The myriad options of rewards credit cards can often complicate the process of finding the best fit. Each card offers varying reward rates and types, along with distinct terms for earning and redeeming these rewards. In order to attain optimum benefits, it’s indispensable to make a well-informed choice. This article compiles our top 10 rewards card selections.
CHASE SAPPHIRE PREFERRED CARD
A perfect blend of substantial rewards and the liberty to redeem those rewards makes the Chase Sapphire Preferred Card an ideal choice. It is especially beneficial for those with substantial expenditures on travel and dining, and charges a reasonable annual fee. Its vast perks include a generous sign-up bonus, flexible rewards redemption, and travel benefits.
AMERICAN EXPRESS PLATINUM CARD
If luxury travel appeals to you, consider the American Express Platinum Card. Alongside premium travel conveniences, like airport lounge access, it offers a plethora of rewards, including Membership Rewards points.
CAPITAL ONE VENTURE REWARDS CREDIT CARD
The Capital One Venture Card ranks high amongst premium travel cards. It generously offers 2-5 miles per $1 spent and an initial bonus of 75,000 miles for spending $4,000 in the first three months. Its transparent rewards system lets users easily earn miles on every purchase.
CITI PREMIER CARD
The Citi Premier® Card, perfect for those wanting rewards on non-travel related expenses as well, earns you 3X points on hotel, air travel, restaurant, supermarket, and gas station expenses.
DISCOVER IT CASH BACK
The Discover It Cash Back card suits moderate spenders, especially those who don’t mind keeping track of the regular cap on the 5% rotating categories.
BANK OF AMERICA PREMIUM REWARDS CREDIT CARD
Seekers of flexible credit card rewards, particularly frequent travelers and current Bank of America customers, should look into the Bank of America Premium Rewards credit card. It offers robust rewards, travel perks, and airline fee credits.
WELLS FARGO ACTIVE CASH CARD
The Wells Fargo Active Cash Card, featuring an impressive flat-rate cash back on purchases and no annual fee, stands toe-to-toe with some of the top flat-rate cash back cards in the market.
HILTON HONORS AMERICAN EXPRESS SURPASS CARD
Optimal for regular Hilton clients, this card offers substantial rewards points on Hilton purchases and other amenities. It is tailor-made for high-spenders who frequent Hilton properties often enough to take advantage of the abundant benefits coming with the complementary Diamond status.
CHASE FREEDOM UNLIMITED
The Chase Freedom Unlimited card offers a simple cash-back program with a flat rate on all purchases and no annual fee. Its flexible rewards, beneficial bonus categories, and generous welcome offer make it a standout amongst other cash-back cards.
SOUTHWEST RAPID REWARDS PREMIER CREDIT CARD
Ideal for frequent Southwest Airlines passengers, the Southwest Rapid Rewards Premier Credit Card offers benefits such as bonus points and anniversary bonuses. A $75 annual travel credit on Southwest and other perks easily cover the annual fee.
To sum it up, it’s crucial to assess your spending habits, travel inclinations, and financial objectives before applying for a credit card. Always be sure to check the current terms and conditions on the respective credit card issuer’s website.
