The best rewards credit card right now is the Citi® Double Cash Card – 18 month BT offer. It offers a total of 2% cash back on all purchases, which is roughly 2X what the average rewards card gives. The Double Cash Card also has a $0 annual fee, which makes it about $19.49 per year cheaper than average. It can even help you reduce the cost of existing debt early on, thanks to an introductory balance transfer APR of 0% for 18 months.

There are plenty of contenders for the title of best rewards card, however, and a lot depends on what types of purchases you plan to make. Fortunately, WalletHub’s editors regularly compare 1,500+ offers to identify the market’s best rewards credit cards in popular categories, based on their initial bonuses, regular earning rates, fees, secondary benefits and approval requirements. You can see how all the top offers compare below.

2020’s Best Rewards Credit Cards

Credit Card	Best For:	Annual Fee	Best Feature(s)
Chase Sapphire Preferred® Card	Initial Bonus	$95	80,000 points
Citi® Double Cash Card – 18 month BT offer	No Annual Fee	$0	2% Cash Back
Capital One® Venture® Rewards Credit Card	Travel Rewards	$95	2 miles / $1 + 100,000 miles
Blue Cash Preferred® Card from American Express	Cash Back Rewards	$0 1st yr, $95 after	3% cash back at U.S. gas stations + bonus cash
Alliant Cashback Visa® Signature Credit Card	Credit Union Rewards	$0 1st yr, $99 after	2.5% Cash Back
Capital One® QuicksilverOne® Cash Rewards Credit Card	Fair Credit	$39	1.5% Cash Back
Petal 2 Visa® Credit Card	No Credit	$0	1 - 1.5% Cash Back
Discover it® Secured	Bad Credit	$0	First-year earnings doubled

The best credit card rewards come in all shapes and sizes. The offers on this page are the best overall. But you can find more great options by checking out WalletHub’s picks for the best cash back credit cards and the best travel rewards cards. And if you’re mainly in the market for a hefty initial rewards bonus, make sure to review our up-to-date list of the best credit card deals.

Methodology

To identify the best rewards credit cards, WalletHub’s editors compare all of the credit cards with cash back, points or miles in our database of 1,500+ credit card offers. We focus on the amount each card could save the average consumer over 24 months of use, after subtracting annual fees from expected rewards earnings. We use a two-year timeframe because it helps level the playing field between cards with big initial bonuses and cards with better ongoing rewards.

In addition to the best overall rewards credit cards, which usually require at least good credit for approval, WalletHub’s editors also select the top rewards cards for people with lower credit scores. Special groups such as students and small business owners may have a representative on this page, too.