Best Rewards Credit Cards of October 2020

We'll Help You Choose the Best Credit Card for Earning Points or Miles

We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Learn about our independent review process and partners in our advertiser disclosure.

The best rewards credit cards give you the most value and perks for your spending style. We've evaluated dozens of cards to help you choose the right fit for you. For this list, we’ve stayed away from narrowly focused co-branded airline, hotel, and retail credit cards, and instead concentrated on general travel and cash-back cards.

Best Rewards Credit Cards

HSBC Cash Rewards Mastercard®

Best Overall

,

Best for Simple Cash-Back Rewards

Our Rating Among Rewards Cards
3.8
HSBC Cash Rewards Mastercard®
Current Offer

Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases. 1.5% cash back on all other purchases.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn an introductory 3% cash back on $10,000 in purchases made during the first 12 months of account opening. 1.5% cash back thereafter.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    This card has a little bit of everything in abundance, and that’s why it’s our best overall pick. To kick things off, you’ll earn a flat 3% cash back on up to $10,000 worth of all purchases in the first year. That translates into a bonus worth up to $300, which is superior for a no-annual-fee cash-back card. After that, you’ll earn a flat 1.5% cash back on all purchases, which is respectable and makes tracking reward earnings easy. You’ll also get a decent 0% APR offer on purchases and balance transfers for 12 months, and some stand-out extras like cellphone protection and secondary rental car insurance.

  • PROS & CONS

    Pros

    • Superb bonus that doubles the already-solid rewards earning rate on eligible purchases during the first year
    • 0% APR deals give you a full year to pay off purchases and balance transfers
    • Includes cellphone insurance coverage, which is uncommon

    Cons

    • No short-term new cardholder bonus for those seeking a quick stash of cash back
    • Above-average balance transfer fee can chip away at the cost savings of moving large balances to this card
  • HIGHLIGHTS
    • 1.5% Unlimited Cash Back – on all purchases after the intro period
    • No Annual Fee
    • No Foreign Transaction Fees

Wells Fargo Propel American Express® Card

Best for Earning Different Levels of Cash Back

Our Rating Among Rewards Cards
3.8
Wells Fargo Propel American Express® Card
Current Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value).

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, for travel including flights, hotels, homestays and car rentals, as well as popular streaming services. Earn 1X points on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    There’s a good reason we picked this as the best rewards card for earning cash back in different purchase categories. You’ll get 3 points per $1 spent on a long list of expenses: not just flights and hotel stays, but day-to-day bills, including takeout food, dining out, rideshares, and streaming services. Then 1 point per $1 on everything else. Plus, the points are surprisingly versatile. You can always redeem them for cash, or you can book travel or buy merchandise.

  • PROS & CONS

    Pros

    • Generous rewards rate on many common expenses
    • No annual fee

    Cons

    • Longer 0% APR offers on purchases and balance transfers exist
    • Cash back can only be redeemed in $20 or $25 increments
    • If you’ve received the bonus or interest deal before, you may not be eligible again
  • HIGHLIGHTS
    • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
    • Earn 3 points on the following: eating out/ordering in, gas, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming services.
    • $0 annual fee.
    • No limit to points you can earn, and points don't expire as long as your account remains open.
    • Cell phone protection offers insurance against your cell phone from damage or theft.

Discover it® Secured

Best for Less-Than-Perfect Credit

Our Rating Among Rewards Cards
3.7
Discover it® Secured
Current Offer

Discover will match all the cash back you've earned at the end of your first year, automatically.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Minimum Deposit to Activate $200
Allows upgrade to unsecured card Yes
Pay deposit in installments No
  • WHY WE CHOSE THIS CARD

    This is a stand-out secured card, particularly because of how it rewards those who are building credit. Each purchase made earns cash back, and Discover will generously match your earnings at the end of the first year, too. The cash-back earning rates are good, even compared with some unsecured, entry-level rewards cards. Better yet, there’s no annual fee, which is uncommon for a card like this. This secured card can grow with you, too. Once you’ve had it for eight months, Discover will start reviewing your account to see if you qualify for an upgrade to an unsecured version.

  • PROS & CONS

    Pros

    • Ability to earn cash-back rewards while building credit
    • Responsible use can lead to automatic unsecured card upgrade
    • No foreign transaction fee
    • Cash-back match as a first year bonus

    Cons

    • Low cap on highest rewards earning rate
    • Mediocre maximum credit limit compared to other secured cards
  • HIGHLIGHTS
    • No annual fee, earn cash back, and build your credit with responsible use.
    • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
    • Automatic reviews starting at 8 months to see if Discover can transition you to an unsecured line of credit and return your deposit.
    • Get 100% U.S.-based customer service and get your free Credit Scorecard with your FICO Credit Score.

Chase Sapphire Preferred® Card

Best Travel Card With an Annual Fee Under $100

Our Rating Among Rewards Cards
4.5
Chase Sapphire Preferred® Card
Current Offer

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when redeeming points for eligible purchases with the new Pay Yourself Back tool (currently, groceries, dining, home improvement and select charities), or for travel when you redeem through Chase Ultimate Rewards.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    This card feels like a premium product, just without the sky-high annual fee. The new cardholder bonus is worth an impressive $1,000 when redeemed for travel through the Chase Ultimate Rewards portal, and possibly a lot more if you transfer to one of the program's airline or hotel partners. Plus, you’ll earn 2 points per $1 spent on a slew of travel expenses as well as your restaurant tabs. And the card comes with primary rental car insurance, a valuable perk that many competitors lack.

  • PROS & CONS

    Pros

    • Good bonus compared to other travel cards with similar annual fees
    • Option to transfer points to eligible airline and hotel programs, often at a 1-to-1 ratio
    • Points are pretty valuable when redeemed for travel
    • Some premium travel insurance benefits

    Cons

    • No credits to cover incidental airline fees or other travel-related costs
    • Few everyday purchase categories earn extra points
  • HIGHLIGHTS
    • Earn 80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
    • Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards.
    • Earn 5X points on Lyft rides through March 2022.
    • Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.

Chase Sapphire Reserve®

Best for Luxury Travelers

Our Rating Among Rewards Cards
4.4
Chase Sapphire Reserve®
Current Offer

50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 16.99% - 23.99% variable
Annual Fee $550
Rewards Earning Rate Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    This card comes with one of the highest annual fees among travel cards, but if you travel a lot and like luxury touches, it’s truly a case of “you get what you pay for.” The list of benefits that come with this card is a mile long. The highlights include airport lounge access, a $300 annual travel credit, reimbursement for TSA Precheck or Global Entry fees, and a sizable 50,000-point bonus after you spend $4,000 within the first three months (worth $750 in travel when redeemed through Chase Ultimate Rewards). What’s more, if you transfer those points to a partner like World of Hyatt, those points could be worth up to $1,005, based on our valuation.

  • PROS & CONS

    Pros

    • Earn extra points for travel and dining purchases
    • Many different purchases count as travel spending, which makes earning rewards easier
    • Several valuable ways to use points, including transfers to partner loyalty programs
    • Jam-packed with valuable travel credit and travel insurance benefits

    Cons

    • Massive annual fee
    • High ongoing APR
  • HIGHLIGHTS
    • Receive 50,000 points after spending $4,000 in the first 3 months from account opening.
    • Get an annual $300 travel credit for eligible purchases charged to your card each anniversary year.
    • Earn 3 points on travel (excluding purchases eligible for the travel credit), restaurants, and dining. Earn 1 point per $1 spent on other purchases.
    • Points are worth 50% more when you redeem them for travel through Chase's Ultimate Rewards portal.
    • Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.

Capital One® VentureOne® Rewards Credit Card

Best Travel Card With No Annual Fee

Our Rating Among Rewards Cards
3.7
Capital One® VentureOne® Rewards Credit Card
Current Offer

Earn 20,000 miles once you spend $1,000 on purchases within the first 3 months from account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate Earn 1.25 miles per dollar on every purchase.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    Solid travel rewards without the number-crunching or annual fee—that’s why we find this card so appealing. You earn the same number of reward points no matter what type of spending you do, but you can access benefits usually reserved for higher-end travel cards, like transferring to airline partners. There are two additional ways to redeem rewards for travel, which offer even more flexibility. Either book travel directly through Capital One, or use the bank's Purchase Eraser tool to redeem miles as statement credits for eligible travel purchases made within the past 90 days. 

  • PROS & CONS

    Pros

    • Simple and predictable rewards
    • Rare option (for a no-annual-fee card) to transfer miles to eligible airline and hotel partner programs
    • Flexible redemption options
    • Travel insurance not common with a no-annual-fee card

    Cons

    • Low rewards-earning rate
    • Limited number of travel partners, especially U.S. airlines
  • HIGHLIGHTS
    • 1.25X miles on all purchases. Earn unlimited miles with no caps.
    • Earn 20,000 miles once you spend $1,000 on purchases within 3 months from account opening.
    • Use miles as a statement credit against any airline or hotel booking with no blackout dates. Or, transfer miles to eligible travel loyalty programs.
    • Enjoy an introductory APR on purchases for the first 12 months.

Capital One® Spark® Cash for Business

Best Business Cash-Back Card

Our Rating Among Rewards Cards
3.9
Capital One® Spark® Cash for Business
Current Offer

Earn $500 when you spend $4,500 in the first 3 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.99% variable
Annual Fee $0 for the first year, then $95
Rewards Earning Rate Earn 2% cash back for your business on every purchase, everywhere.
Cash Advance APR (%) 26.99%
Cash Advance Fee Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • WHY WE CHOSE THIS CARD

    If you prefer cash back to travel rewards, this is an exceptional business card. You’ll earn 2% cash back on all purchases, which is one of the best flat earning rates offered by a business card right now. Getting your cash back is easy, too: Just request a statement credit or check. There’s even an option to set up automatic redemptions. To top it off, this card comes with a $500 bonus if you spend $4,500 within the first three months, which is in line with many other card offers right now.

  • PROS & CONS

    Pros

    • Stellar cash-back earning rate on all purchases, with no limits
    • Redeeming rewards is as easy as earning them

    Cons

    • Annual fee after the first year
    • No chance for more than 2% cash back on any spending category
  • HIGHLIGHTS
    • Earn a one-time $500 bonus when you spend $4,500 in the first 3 months from account opening.
    • Get unlimited 2% cash rewards.
    • Add employee cards for free and earn all the rewards from their purchases.
    • Get a custom, itemized spending report to simplify planning, budgeting, and taxes.
    • Make purchases outside of the U.S. with zero transaction fees.

Ink Business Preferred℠ Credit Card

Best Business Travel Card

Our Rating Among Rewards Cards
4.5
Ink Business Preferred℠ Credit Card
Current Offer

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 20.99% variable
Annual Fee $95
Rewards Earning Rate Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.
Cash Advance APR (%) 24.99%
Cash Advance Fee Either $15 or 5% of the amount of each transfer, whichever is greater.
  • WHY WE CHOSE THIS CARD

    If you frequently travel for business, there’s simply no card that’s more well-rounded than this. Chase Ultimate Rewards points are some of the most valuable out there, especially when used for travel. For starters, you’ll get a massive bonus of 100,000 points (worth $1,460 when redeemed for travel through the Ultimate Rewards platform) if you spend $15,000 or more within your first three months. And our valuations found points may be worth even more if transferred to a partner airline or hotel program. In addition to travel purchases, you’ll earn 3 points per $1 spent on common business purchases like social media advertising and shipping (up to $150,00 annually).

  • PROS & CONS

    Pros

    • Outstanding bonus for new cardholders
    • Extra rewards points on many different types of business expenses
    • Many ways to redeem rewards
    • Option to transfer points to eligible airline loyalty programs, in some cases getting more value per point

    Cons

    • No rewards on dining or gas
    • Rewards tiers and caps, which are higher maintenance
    • Steep spending requirement to earn bonus
  • HIGHLIGHTS
    • 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards.
    • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.
    • Stay on top of your business with Fraud Protection, Purchase Protection, personalized Account Alerts, and more.
    • Employee cards at no additional cost.
Find Your Credit Card Match We believe the rate at which you earn rewards, as well as the overall cost of the card, are the most important factors to consider when choosing a rewards card, but we know you might have different priorities. See what suits you best.
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What Are Rewards Credit Cards & How Do They Work? 

Rewards credit cards are designed to give you a gift in return for your loyalty to the card. The idea is simple: Use your rewards credit card to pay for purchases, accumulate points based on how much you spend, and then cash them in for travel, cash, merchandise, or other types of rewards.

What Are the Different Types of Rewards Credit Cards?

  • Cash-back cards
  • General travel rewards cards 
  • Airline cards
  • Hotel cards
  • Retail cards

How Do Cash-Back Rewards Cards Work?

Cash-back rewards cards are exactly what their name implies—credit cards that let you earn a mini rebate (“cash back”) on every dollar you spend. Generally, cards that earn more per dollar spent come with stricter qualification requirements, and some charge an annual fee. Every time you swipe to pay for an eligible purchase, you will earn back a small percentage of that amount.

What Are the Different Types of Cash-Back Cards?

There are three different types of cash-back cards broken down by the way they let you earn cash back.

Flat Rate

This means you earn the same percentage on all purchases—such as 2% cash back, which equals $2 for every $100 that you spend. 

Tiered Bonus-Earning Categories

With this kind of structure, you can earn extra on certain kinds of purchases, and less on others. For example, you might get 3% back on groceries, 2% back at department stores, and 1% back on all other purchases. 

Some cards put limits on how much you can earn in these categories. For instance, you may only earn 3% back on groceries on the first $6,000 you spend every year. After that, you only earn 1% back.

Rotating Bonus-Earning Categories

Some cash-back cards have bonus categories that change each quarter. You might earn 5% cash back on travel purchases one quarter, then 5% at gas stations the next quarter, and 5% at grocery stores the next. You usually have to sign up to activate the 5% bonus earnings each quarter and you earn 1% cash back on all non-bonus spending.

How Do Travel Rewards Cards Work?

Travel rewards cards let you earn points on travel and other purchases that you can redeem for flights, hotel stays, and other travel-related rewards. Often, you’ll earn bonus points when booking travel with your card, in addition to earning at a lower rate for other purchases.

What Are the Different Types of Travel Rewards Cards?

As with cash-back cards, there are a couple of sub-categories within the travel rewards cards: 

General Travel

With these cards, you earn points (sometimes called miles) redeemable for free flights, hotel rooms, rental cars, and other types of travel expenses with different travel providers. 

Airline Cards

You earn extra points when you buy flights through the card’s co-branded airline, and you can then redeem those points for more free flights or upgrades on that airline or its partners. You also often get perks such as free checked bags, discounted access to the airline’s airport lounge, priority boarding, and more, which can make up for annual fees if you use them.

Although airline card rewards are more limited than general travel card rewards, you can often get the best value from frequent flyer miles if the program has flights that cost a lot in dollars but relatively less so in points. 

Hotel Cards

These cards are focused on earning extra points when you spend with a specific hotel chain that you can then redeem for free hotel rooms. You may also get elite status and perks such as travel insurance.

Cash-back card points are generally worth 1 cent each. When you’re looking at travel rewards programs, you want your points to be worth at least that much, or you’d be better off with a cash-back card. 

What Are the Pros & Cons of Rewards Cards?

Rewards cards are great, but only if you pay your balance in full each month. Otherwise, any rewards you earn will be eaten up by interest charges. If you know you’ll run a balance, you’re better off forgetting about rewards and using a low-interest credit card. 

Pros
  • Let you earn hundreds or even thousands of dollars in free travel or cash

  • Often offer a sign-up bonus

  • May come with perks like rental car insurance

Cons
  • May have an annual fee that's more than the value of the rewards

  • Tend to have higher interest rates than non-rewards cards

  • Can require work to keep up with complicated earnings or redemption schemes

  • May tempt you to spend more to earn rewards

How Do You Choose a Rewards Card?

To determine which rewards credit card is best for you, focus on your spending habits and your redemption goals. See which of these descriptions match up best with you. 

  • Cash-back card: You don’t travel frequently and prefer cash rewards.
  • General travel rewards card: You want to earn rewards you can use for different airline, hotel, and car rental companies.
  • Airline card: You travel a few times a year, stick with one major airline or alliance, and want VIP treatment.
  • Hotel card: You travel frequently and like to stay with one specific hotel chain.  
  • Retail card: You regularly shop at the same retailer and want to receive rewards for your loyalty.

Here's another summary of our top picks for rewards credit cards:

Best Rewards Credit Cards
Credit Card Category Annual Fee
HSBC Cash Rewards Mastercard Best Overall $0
HSBC Cash Rewards Mastercard Best for Simple Cash-Back Rewards $0
Wells Fargo Propel American Express Card Best for Earning Different Levels of Cash Back $0
Discover it Secured Best for Less-Than-Perfect Credit $0
Chase Sapphire Preferred Card Best Travel Card With an Annual Fee Under $100 $95
Chase Sapphire Reserve Best for Luxury Travelers $550
Capital One VentureOne Rewards Credit Card Best Travel Card With No Annual Fee $0
Capital One Spark Cash Credit Card Best Business Cash Credit Card $0
Ink Business Preferred Credit Card Best Business Travel Card  $95

How Can You Accumulate Rewards Faster?

Maximize your rewards by accumulating as many points as possible while staying within your budget. Don’t overspend just for points. In fact, carrying a balance month to month will quickly erase any benefit you earn.

Assuming that you’re paying your bill in full each month, here are a few strategies for earning the most rewards possible:

  • Earn the sign-up bonus: Many rewards cards offer a large bonus up-front if you spend a certain amount in the first three months of card opening. A cash-back card usually gives a statement credit; with travel rewards cards, you’ll get a lump sum of points. 
  • Consider pairing different kinds of rewards cards: If you have a cash-back card that earns 5% on groceries but only 1% on everything else, you may want to use a second 2% flat-rate card for all non-grocery purchases.
  • Pay recurring bills on your card: If you have to pay your cable and phone bill anyway, why not get points or cash back? The same goes for car insurance, subscriptions, and other regular expenses. Just be sure to check that you won’t be charged a fee for paying with a credit card.
  • Boost points with additional cardholders: Add partners or grown children as authorized users, so that multiple people will be earning points on the same account. But be mindful that the primary account holder is responsible for all charges, so only add authorized users that you completely trust.

Try timing the opening of a new rewards card with when you need to make a large purchase so that it’s easier to meet the minimum spend for your sign-up bonus.

How Do You Redeem Rewards?

Redeeming rewards is simplest with cash-back cards, but may get more complicated with airline programs.  

For cash-back cards, you might get automatic statement credits, or an ability to redeem for cash or gift cards whenever you want, or when you reach specific thresholds (such as every $25 earned). Other redemption options might include requesting a paper check, giving money to a charity, or paying with points at Amazon.com. 

With general travel cards, some allow you to redeem points by buying your travel through their booking portal. Others let you book travel however you want and then use points for a statement credit on those charges.

You might also have the option of transferring points to travel partner programs, which can be the most lucrative option. For instance, The Balance values American Airlines points at nearly 1.5 cents each. That’s somewhat more than you get from cash-back cards.

Points don’t always transfer 1:1 between programs. For example, you may have to transfer 20,000 credit card points to get only 10,000 airline miles. Look for a card’s transfer partners and transfer ratios to get the best value.

With hotel and airline cards, you usually can book your free hotel room or free flight just like you normally would, but look for a box to check that says “Pay with points” or something similar. Depending on the airline and your travel needs, you can score great deals on free flights. But you can also at times be frustrated by a lack of available award flights. 

Can I Get a Rewards Card With Bad Credit?

Yes, even if you don’t have stellar credit, there are some entry-level cards offering rewards. Naturally, the higher-earning cards with the best sign-up bonuses and benefits are for consumers who have a strong credit history. But that’s something you can work toward as you improve your credit.

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

We reviewed more than 60 rewards credit cards to find the very best products in the category, and eight cards made the cut for this list. We do not consider co-branded airline or hotel credit cards for this list, because where you live and where you travel significantly affect the usefulness of brand-specific travel cards. For the same reason, we exclude retail rewards cards, as well.

What We Score

Cards with valuable rewards, high rewards-earning rates, big sign-up bonuses, flexible rewards programs, and exceptional benefits receive better scores. For more information about how The Balance evaluates credit cards, see our full credit card review methodology