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Compare Rewards Credit Cards
WalletHub makes it easy to find and compare credit card rewards.
COMPARE REWARDS CREDIT CARDS
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
Discover it® Cash Back Discover it® Cash Back

- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
Wells Fargo Autograph℠ Card Wells Fargo Autograph℠ Card

- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 19.24% - 29.24% Variable regular APR
- No balance transfer promotion
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Terrible cash back redemption rate
- Monthly earnings are lost when bill payments are late
- Not built for financing
Chase Sapphire Reserve® Chase Sapphire Reserve®

- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
- High Annual Fee
- High APR
First Tech Choice Rewards World Mastercard® First Tech Choice Rewards World Mastercard®

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
Our picks for the most popular rewards credit cards
There are plenty of other options worth considering, too. Some of the best rewards credit cards offer big initial bonuses. Others provide great ongoing rewards. A few even combine the two. It all comes down to finding a card that suits both your lifestyle and credit standing. You can check your latest credit score for free on WalletHub, and you can also check out the top rewards cards below.
Rewards Credit Card Comparison
Credit Card | Best For | Rewards Rate |
Chase Freedom Unlimited® | Winner | 1.5 - 5% Cash Back |
Wells Fargo Active Cash® Card | Rewards with No Annual Fee | 2% Cash Rewards |
Capital One Venture X Rewards Credit Card | Travel Rewards | 2 - 10 miles / $1 |
Discover it® Secured Credit Card | Rewards with Bad Credit | 1 - 2% Cash Back |
Blue Cash Preferred® Card from American Express | Rewards with Cash Back | 1 - 6% Cash Back |
Upgrade Cash Rewards Visa® | Rewards with Fair Credit | 1.5% Cash Back |
If you want to know more about the rewards card elite, make sure to check out our editors’ in-depth review of the year’s best rewards credit cards. You can also find some pointers below.
Chase Freedom Unlimited®
Chase Freedom Unlimited can also help you save money on fees and interest. It offers 0% for 15 months intro on purchases and balance transfers, in addition to a $0 annual fee. A few other cards could offer the potential for more rewards value, particularly those with travel rewards, but pretty much all of them charge annual fees. For more on why Freedom Unlimited is a great option, check out our full Chase Freedom Unlimited review.
One of the most popular rewards credit cards is Chase Freedom Unlimited because it has a $0 annual fee and gives 1.5 - 5% cash back on purchases. Cardholders get 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).
Blue Cash Preferred® Card from American Express
As a result, paying the Amex Blue Cash Preferred Card’s $95 annual fee from the second year on is an investment that could pay off big time. There’s a $0 introductory annual fee the first year.
Wells Fargo Active Cash® Card
Capital One Venture X Rewards Credit Card
This card does have an annual fee of $395, but that can be offset easily by its rewards and various other high-value perks. Applicants need excellent credit for approval.
Upgrade Cash Rewards Visa®
Discover it® Secured Credit Card
Things to know before comparing credit cards with rewards
1. There are options for every credit score.
If you’re new to credit or rebuilding from past mistakes, you can still get a good credit card with rewards. Of course, the best rewards credit cards are still reserved for people with good or excellent credit scores of 700+. If you don’t know where you stand, you can check your latest credit score for free on WalletHub.
2. It’s best to focus on rewards value, after subtracting fees.
People often have preconceived notions about what type of rewards card they need, whether it’s one with no annual fee or a certain type of rewards currency (i.e. cash back, points or miles). But the best approach is to keep an open mind and follow the expected savings. In other words, calculate how much you expect to earn in rewards with each card based on your recent spending habits, subtract any applicable fees, and then compare how much each card will benefit you in dollar terms.
3. One rewards card might not be enough.
You should not apply for more than one credit card at the same time, but you might want to gradually collect a handful of cards that complement each other well. For example, one might offer the highest rewards rate available for your top purchase category, while another offers the highest rewards rate for your second biggest expense, and so on. This is called the Island Approach.
4. Having a plan to avoid interest is key to maximizing rewards value.
Some rewards credit cards offer 0% introductory APRs on new purchases for a limited time, but the regular interest rates on rewards cards tend to be pretty high. In fact, carrying a balance from month to month will quickly result in interest charges that surpass the amount you save via rewards. Having a plan that enables you to pay the card’s statement balance in full every month is therefore essential to making the most of a credit card with rewards.
5. You can use WalletHub tools to get rewards card recommendations.
WalletHub’s free CardAdvisor tool can give you credit card recommendations based on your answers to a few anonymous questions. You can also sign up for a free WalletHub account to get personalized suggestions based on your credit report info.
How we picked rewards credit cards
The WalletHub editors’ picks for the best rewards credit cards are based on analysis of more than 1,500 credit card offers. WalletHub’s editors regularly compare the latest available credit cards offering rewards points, miles or cash back based on how much they would save the average person, typically over the course of two years. Specifics vary by category, but WalletHub’s picks are all aimed at saving different types of rewards card users as much money as possible.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best rewards credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Rewards Credit Cards FAQ
Comparing rewards credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Expert Opinions
To help people better understand and benefit from historically valuable credit card rewards, we posed the following questions to a panel of personal finance experts. You can check out who they are and what they had to say, below. And you can bet it will be plenty rewarding!
- Do you think most people take full advantage of rewards credit cards?
- Do you agree with the notion that cash users subsidize the cost of credit card rewards?
- What would you say are the biggest/most common mistakes that rewards credit card users make?
- Do you have a credit card with rewards? If so, how did you select it?
Senior Professional Instructor, Johns Hopkins Carey Business School
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Ph.D. Student, Washington University in St. Louis - Olin Business School
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DBA, Ruth Badger Pixley Professor of Social Sciences and Professor of Business, Illinois College
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Ph.D., Professor of Marketing, College of Business, Lewis University
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Associate Professor of Marketing, Dept. of Marketing and Professional Sales, Coles College of Business, Kennesaw State University
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Ph.D., Clinical Assistant Professor, Director, Master of Science in Marketing, The University of Texas at Austin, McCombs School of Business
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