Best Rewards Credit Cards Comparison
|Credit Card||Best For||Rewards Rate||Initial Bonus Offer|
|Chase Freedom Unlimited®||Winner||1.5 - 5% Cash Back||Extra 1.5% cash back, up to $20k spent the first year|
|Chase Sapphire Preferred® Card||Travel Rewards||1 - 5 points / $1||60,000 bonus points for spending $4,000 in the first 3 months|
|Wells Fargo Active Cash® Card||Rewards with No Annual Fee||2% Cash Rewards||$200 cash rewards after spending $1,000 in the first 3 months|
|Upgrade Cash Rewards Visa®||Rewards with Fair Credit||1.5% Cash Back||N/A|
|Blue Cash Preferred® Card from American Express||Bonus Cash Back Rewards||1 - 6% Cash Back||$250 statement credit for spending $3,000 in the first 6 months|
|Discover it® Secured Credit Card||Rewards with Bad Credit||1 - 2% Cash Back||Earned rewards doubled at the end of year one|
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.
Methodology for Selecting the Best Rewards Credit Cards
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.