The best rewards credit cards take into consideration: everyday rewards, bonus opportunities for new cardholders, extra perks and credits, and the card’s annual fee (if any). Our current picks for best rewards credit cards are below. (See also Best Cash Back Credit Cards or Best Travel Credit Cards for more choices and card reviews.)
card_name – Why We Like It: Blue Cash Everyday is maybe the best rewards credit card for grocery purchases with no annual fee, plus a rare 3% reward for general online purchases.
EARN: 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), 1% cash back on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: bonus_miles_full card_name. American Express is a ProudMoney advertiser.
card_name – Why We Like It: HUGE new cardholder bonus opportunity, good everyday rewards, yearly 10% points bonus, and a cornerstone of the “Chase Trifecta.”
EARN: 5 points per dollar on travel purchased through Chase Ultimate Rewards (excluding hotel purchases that qualify for the card’s $50 Annual Ultimate Rewards Hotel Credit), earn 2x on other travel purchases, earn 3x points on dining, including eligible delivery services, takeout and dining out, earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), earn 3x points on select streaming services, earn 1 point per dollar on all other purchases.
Chase Trifecta: Use the Chase Sapphire Preferred as the foundation of a larger strategy to obtain multiple Chase cards and combine points to redeem at a 25% premium through Chase’s travel booking site or to get access to Chase travel transfer partners including United, Southwest, Hyatt, Marriott and more.
NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full
(Also, each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year. For example, if you spend $20,000 on purchases, you’ll get 2,000 bonus points.) Annual Fee: annual_fees.
card_name – Why We Like It: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee! Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. EARLY SPEND BONUS: bonus_miles_full.
card_name – Why We Like It: 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit purchases, 3% cash back at U.S. gas stations, 1% cash back on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: bonus_miles_full Annual fee: annual_fees card_name. American Express is a ProudMoney advertiser.
card_name – Why We Like It: Offers the desirable features of more expensive travel cards, but strips away the fluff to keep the annual fee reasonable. That annual fee is annual_fees, but you can easily offset $300 of that fee when you book through Capital One Travel (you’ll get the first $300 in bookings credited back to your card), and there is an Early Spend Bonus: bonus_miles_full
And, with an Anniversary Miles Bonus of 10,000 miles (equal to $100 toward travel) that kicks in starting on your first card anniversary, you could easily get more value in miles and credits than the annual fee ($300 potential credits + $100 in miles = $400 value) — and that’s before we even talk about the everyday rewards and perks!
In terms of everyday purchase rewards, earn unlimited 10 miles per dollar in purchases on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases. And don’t forget airport lounge access through the Priority Pass network as well as access to the Capital One Lounges, plus quite a bit more.
Author: Adam Jusko