The Ultimate List of the 10 Best Credit Cards for Rewards

Choosing the right rewards credit card can be confusing because of the variety of reward rates, types, and rules. If you don’t select the best card for your needs, you could miss out on valuable rewards and benefits. Here are our top ten picks for rewards credit cards:

**Chase Sapphire Preferred Card**
The Chase Sapphire Preferred Card is popular for its great rewards on travel and dining. It features a solid sign-up bonus, flexible redemption options, and travel perks with a reasonable annual fee.
**Pros:** High rewards rates in several spending categories, with travel and shopping protections.
**Cons:** Annual fee and no introductory APR offer.

**American Express Platinum Card**
For stylish travelers who frequently fly, the American Express Platinum Card offers premium travel perks like airport lounge access and Membership Rewards points.
**Pros:** Great bonus categories, transfer partners, and luxury benefits.
**Cons:** High annual fee ($695), complex rewards system, and needs excellent credit.

**Capital One Venture Rewards Credit Card**
Competing with top-tier cards, the Capital One Venture Card gives significant travel rewards – earning between 2 and 5 miles per dollar spent. It’s easy to earn miles on all purchases.
**Pros:** Reasonable annual fee, travel credits, and simple rewards system.
**Cons:** Limited domestic airline partnerships and lacks hotel status benefits.

**Citi Premier Card**
The Citi Premier® Card is tailored for frequent travelers and offers rewards for both travel and everyday purchases.
**Pros:** Generous point rewards in selected categories, points never expire.
**Cons:** Annual fee and requires good to excellent credit.

**Discover It Cash Back**
Great for those who pay attention to spending habits, the Discover It Cash Back card offers 5% cash back in rotating categories with an automatic year-end cash back match.
**Pros:** Up to 5% cash back in select categories and no minimum for cash back redemption.
**Cons:** Quarterly activation required for categories and a low base reward rate.

**Bank of America Premium Rewards Credit Card**
This card offers lots of benefits, especially for those with high Bank of America account balances.
**Pros:** Sign-up bonuses, high points on travel and dining, and travel protection.
**Cons:** Annual fee and requires good to excellent credit.

**Wells Fargo Active Cash Card**
A standout in the flat-rate cashback category, the Wells Fargo Active Cash Card offers 2% cashback with no annual fee.
**Pros:** High reward rate and an introductory APR period.
**Cons:** No bonus categories.

**Hilton Honors American Express Surpass Card**
This card is perfect for Hilton fans, offering substantial points on Hilton purchases along with extra benefits.
**Pros:** Over $600 in annual statement credits and a free standard night award.
**Cons:** High annual fee and lower point value compared to other programs.

**Chase Freedom Unlimited**
With a straightforward cashback program, no annual fee, and flexible rewards, Chase Freedom Unlimited is a strong choice.
**Pros:** No annual fee, introductory APR period, and high rewards rate.
**Cons:** Requires good to excellent credit.

**Southwest Rapid Rewards Premier Credit Card**
Ideal for frequent Southwest Air travelers, this card offers bonus points, anniversary bonuses, and more.
**Pros:** No foreign transaction fees, possible A-list status, and no blackout dates for rewards seats.
**Cons:** High regular APR, no introductory APR offer, and annual fee.

In conclusion, when choosing a credit card, consider your spending habits, travel needs, and financial goals to find the best fit. Always check the terms and conditions on the card issuer’s website, as they may change over time.