Ten Outstanding Credit Cards for Earning Rewards

Picking the right rewards credit card can be a bit challenging because they vary so much in how you earn points, the types of rewards you get, and the rules attached. Picking the wrong one could mean missing out on some nice perks and extra cash. Here’s a rundown of our top 10 picks for rewards cards.

**Chase Sapphire Preferred Card**: This card is fantastic if you spend a lot on travel and dining. It offers high reward rates and flexible ways to use your points. Plus, the annual fee is reasonable, and you get great sign-up bonuses, flexible redemption options, travel benefits, insurance, and consumer protections.

**American Express Platinum Card**: If you love luxury travel, this card is a strong choice. It offers top-notch travel perks, like airport lounge access and a variety of rewards, including Membership Rewards points. Be prepared for a high annual fee, and you’ll need a good to excellent credit score.

**Capital One Venture Rewards Credit Card**: Known for its straightforward rewards structure, this card is one of the best for premium travel. You get a big initial points bonus and earn between two to five miles for every dollar you spend.

**Citi Premier Card**: Great for earning rewards on both travel and non-travel expenses, the Citi Premier Card offers bonus points in several categories. Frequent travelers will appreciate the bonus rewards for hotels, air travel, dining, and gas.

**Discover It Cash Back**: Ideal if you’re comfortable managing quarterly spending caps to activate 5% rotating categories. It doesn’t have an annual fee, which helps balance out some limitations on bonus rewards.

**Bank of America Premium Rewards Credit Card**: This card provides a good rewards system, travel perks, and credits for airline incidentals—great if you’re already a Bank of America customer. It comes with a strong rewards program and extra benefits for frequent travelers.

**Wells Fargo Active Cash Card**: Offering a straightforward 2% cash back on purchases, this card is a top choice for flat-rate cash back and doesn’t carry an annual fee.

**Hilton Honors American Express Surpass Card**: Perfect if you often stay at Hilton hotels. It gives good points on Hilton purchases and various benefits with complimentary Diamond status.

**Chase Freedom Unlimited**: This card is excellent for a simple cash back program, featuring a flat-rate reward on all purchases and no annual fee.

**Southwest Rapid Rewards Premier Credit Card**: If you frequently fly with Southwest Airlines, this card offers perks like bonus points and annual bonuses.

**Bottom Line**: Before picking a card, think about your spending habits, travel preferences, and financial goals. Make sure the card features match what you need. Keep in mind, reward structures and terms can change, so always double-check the latest details on the issuing company’s website.