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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
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- $0 annual fee
- $200 statement credit initial bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
My GM Rewards Card™ My GM Rewards Card™
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 15,000 points initial rewards bonus
- No intro APR on balance transfers
- 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
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
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
Citi Custom Cash℠ Card Citi Custom Cash℠ Card

- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
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
Popular Rewards Credit Cards in August 2022
Chase Freedom Unlimited®
The best rewards credit card is the Chase Freedom Unlimited card because it gives 1.5 - 5% cash back on purchases normally. But during the first year cardholders get an extra 1.5% cash back on everything they buy, up to $20,000 spent. The Freedom Unlimited card’s bonus rewards categories include travel booked through Chase, dining, and drugstore purchases. Its normal base rewards rate is roughly 40% higher than average, too.
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
The best rewards credit card for bonus cash back in popular spending categories is the Blue Cash Preferred® Card from American Express. It gives all cardholders 1 - 6% cash back, with U.S. supermarkets (on the first $6,000 spent each year), U.S. streaming services, U.S. gas stations, and transit expenses among the categories earning bonus rewards. Plus, Blue Cash Preferred starts new cardholders with an initial bonus of $350 statement credit for spending $3,000 within 6 months of opening an account.
Given those lofty earning rates, which translate to lucrative statement credits, paying the Amex Blue Cash Preferred Card’s $95 annual fee (waived the first year) is an investment that could pay off big time.
Wells Fargo Active Cash® Card
One of the best rewards credit cards with no annual fee is the Wells Fargo Active Cash® Card because it gives unlimited 2% cash rewards on purchases. That means cardholders will earn roughly twice the market average for a cash rewards card.
Capital One Venture X Rewards Credit Card
The best travel rewards credit card available right now is the Capital One Venture X Rewards Credit Card because it offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months, plus ongoing rewards-earning rates of 2 - 10 miles per $1.
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®
The best rewards credit card for people with fair credit is the Upgrade Cash Rewards Visa®. It gives unlimited 1.5% cash back rewards on all purchases every time you make a payment, and it has a $0 annual fee.
Discover it® Secured Credit Card
The best rewards credit card for people with bad credit is the Discover it® Secured Credit Card because it has a $0 annual fee and rewards cardholders with 1 - 2% cash back on purchases. Discover will also double the rewards you earn the first year, as an anniversary bonus.
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 Cash Rewards Visa® | 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.
Why People Trust WalletHub
Unlike other sites that only recommend cards from their advertising partners, WalletHub editors focus on finding the best cards.
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 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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