Selecting the best rewards credit card can be a labyrinthine task due to the plethora of options available, each offering different rates of earning rewards and varied payout mechanisms. Complicating things further are the rules governing reward accumulation and redemption. However, not cashing in on a top-tier rewards credit card might cause you to forfeit valuable benefits or even cash. Here we present our top 10 recommendations for the best rewards cards.
1. CHASE SAPPHIRE PREFERRED CARD
The Chase Sapphire Preferred Card stands out by offering high rewards rates and flexible redemption options. It shines as a perfect companion for frequent travelers and food lovers, thanks to its reasonable annual fee and noteworthy sign-up bonus.
2. AMERICAN EXPRESS PLATINUM CARD
Frequent travelers wishing for a dash of luxury will find the American Express Platinum Card a perfect fit. It offers an assortment of premium travel benefits and Membership Rewards points, among other lucrative features.
3. CAPITAL ONE VENTURE REWARDS CREDIT CARD
Distinctively considered among the elite travel cards, Capital One Venture Card offers substantial miles for each dollar spent. Its myriad of features positions it well against other high-end credit cards, praising it for its simple rewards system.
4. CITI PREMIER CARD
The Citi Premier Card is a great option for those aiming to earn rewards on numerous types of purchases. It offers impressive points on hotel stays, air travel, and other popular categories.
5. DISCOVER IT CASH BACK
The Discover It Cash Back card is an optimal choice for moderate spenders who are ready to monitor 5% rotating categories and follow the quarterly spending limit. This card does not carry an annual fee and offers rewarding benefits.
6. BANK OF AMERICA PREMIUM REWARDS CREDIT CARD
Travelers looking for a flexible rewards credit card should consider the Bank of America Premium Rewards credit card, specifically Bank of America customers with hefty balances.
7. WELLS FARGO ACTIVE CASH CARD
The Wells Fargo Active Cash card entices with unlimited 2% cash rewards on purchases without charging an annual fee, making it a contender among the top flat-rate cash back cards.
8. HILTON HONORS AMERICAN EXPRESS SURPASS CARD
The Hilton Honors American Express Surpass Card caters to Hilton hotel devotees, providing notable points on Hilton purchases and more. It’s a sublime option for those who frequently stay at Hilton properties.
9. CHASE FREEDOM UNLIMITED
The Chase Freedom Unlimited card offers a flat rate cash back program, boasting a compelling welcome offer and flexible rewards. This card stands tall among the best cash-back cards.
10. SOUTHWEST RAPID REWARDS PREMIER CREDIT CARD
For Southwest frequent flyers, the Southwest Rapid Rewards Premier Credit Card provides notable benefits like bonus points and anniversary bonuses.
In summary, always examine closely your personal expenditure, travel habits, and financial goals before applying for the right credit card. Keep a watchful eye on changes to the terms of service and reward structures and stay updated through the issuer’s website.
