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Rewards Credit Cards
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- $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
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Synchrony Premier World Mastercard® Synchrony Premier World Mastercard®

- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
- No membership fees
- High rewards rate
- Reports to the three major credit bureaus
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- No annual fee*
- $0 fraud liability
- Secure online and mobile app account access
- Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- See More Details & Reviews About TheSynchrony Premier World Mastercard®
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 20,000 miles initial bonus
- Miles equivalent of 1.25% cash back on purchases
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Active Cash® Card
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 14.74% - 24.74%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- See More Details & Reviews About TheU.S. Bank Cash+® Visa Signature® Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- $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
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- $0 annual fee
- $200 statement credit initial bonus offer
- Up to 3% cash back
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
American Express® Gold Card American Express® Gold Card

- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- Terms Apply.
- 60K bonus points (worth roughly $460) for spending $4K in the first 6 months
- 4 points per $1 spent at restaurants
- 4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
- 3 points per $1 spent on eligible flights
- No foreign transaction fee
- $250 annual fee
- Points worth less than 1 cent, on average
- Limited ability to carry a balance from month to month
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About TheAmerican Express® Gold Card
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Customized Cash Rewards credit card
Discover it® Cash Back Discover it® Cash Back
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- 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
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Cash Back
Popular Rewards Credit Cards in May 2022
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).
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 |
Upgrade Visa® Card with Cash Rewards | Rewards for Fair Credit | 1.5% Cash Back |
Discover it® Secured Credit Card | Rewards for Bad Credit | 1 - 2% Cash Back |
Blue Cash Preferred® Card from American Express | Cash Back Rewards | 1 - 6% 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.
5 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.
Methodology for Selecting 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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Rewards Credit Cards FAQ
Comparing best 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
Ask the Experts
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?
- How often would you recommend applying for one of the best credit cards on the market?
- What, if anything, do the terms offered by the market's best credit cards say about the economy?
- Is it sustainable for the best rewards credit cards to offer initial bonuses worth $400+?
- Given that merchants don't charge more for credit card payments, would you say that people who pay in cash subsidize credit card rewards programs? And does that, in turn, mean people with the best rewards credit cards receive the biggest subsidy?
Associate Professor of Finance, Messiah University
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Ph.D., Professor, Department of Family and Consumer Studies, University of Utah
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Associate Professor - Economics & Finance, Muhlenberg College
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Interim Department Chair of the Department of Economics, Finance and Quantitative Analysis and Professor of Economics, Finance, & Quantitative Analysis, Kennesaw State University - Coles College of Business
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Teaching Associate Professor, Colorado School of Mines
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Ph.D., Assistant Professor of Economics, D. Abbott Turner College of Business, Columbus State University
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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