The best rewards credit card right now is the Capital One® Venture® Rewards Credit Card. It offers a massive 50,000-mile initial bonus, worth $500 in travel, for spending $3,000 within three months of account opening. It gives you the equivalent of 2% cash back on all purchases, when you redeem your miles for travel. And that’s the best part: You can use Venture miles to pay for any travel-related purchase made with your card, from airfare and hotel reservations to taxi rides.

WalletHub’s editors regularly compare 1,500+ offers to identify the market’s best rewards credit cards, 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	60,000 points
Capital One® Venture® Rewards Credit Card	Travel Rewards	$95	2 miles / $1 + 50,000 miles
Citi® Double Cash Card – 18 month BT offer	No Annual Fee	$0	2% Cash Back
Blue Cash Preferred® Card from American Express	Cash Back Rewards	$95	3% cash back at U.S. gas stations + bonus cash
Capital One® Savor® Cash Rewards Credit Card	Dining & Entertainment	$95	$300 bonus + 1 - 4% Cash Back
Capital One® QuicksilverOne® Cash Rewards Credit Card	Fair Credit	$39	1.5% Cash Back
Petal® 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.