The credit card rewards game is getting more and more enticing for U.S. consumers. Whether you are looking for a huge signup bonus, free travel, shopping and dining vouchers, or eye-watering cash rewards, we've made sure there's a card that suits your lifestyle needs. Earn rewards as you shop with the best rewards cards for this quarter.

Best 5% Cash Rewards Cards

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

    Fantastic
    • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • FICO® Credit Scores for free on statements and online.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    APPLY NOWAt Discover's secure website
    Fantastic
    • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
    • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    Fantastic
    • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • FICO® Credit Scores for free on statements and online.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Cashback Match™ with No annual fee is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing bonus categories up to $1,500 for purchases in combined categories each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards never expire. The card has a cool signup bonus for new cardmembers: Discover will match all the cash back you've earned at the end of your first year -Automatically. That offer is only for new cardmembers. Discover it® Cashback Match™ with No annual fee offers a 0% intro APR on purchases and balance transfers for the first 12 months. After that, there's a 11.24% - 23.24% variable APR on both balance transfers and purchases. No annual fee. Here's our Discover it® Cashback Match™ with No annual fee review.

Chase Freedom<sup>®</sup>

Chase Freedom®

  • Our Rating:
  • Our Rating:
  • 4.90/5
Rate This Card
APPLY NOWAt Chase's secure website

FANTASTIC

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • No annual fee.
  • Rewards never expire.

BEWARE OF

  • 5% cash back on combined purchases in bonus categories capped at $1,500 per quarter.
  • Has foreign transaction fees.

INTRO APR

0% Intro APR for 15 months on purchases and balance transfers

REGULAR APR

14.24%-23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs
  • Cash Back rewards never expire as long as your account is open
  • No Annual Fee
Chase Freedom® is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing categories, such as gas stations, restaurants, select grocery stores and wholesale clubs, up to $1,500 in combined purchases each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards never expire. The card has a cool signup bonus for new cardmembers: Earn a $150 Bonus after you spend $500 on purchases within the first 3 months of account opening, and a $25 Bonus after you make a purchase and add an authorized user in this same 3-month period. Chase Freedom® offers a 0% intro APR for 15 months for purchases and balance transfers. After that, there's a 14.24%-23.24% variable APR on both balance transfers and purchases. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. No annual fee. Here's our Chase Freedom® review.

5% bonus categories for 2016 are:

  • Jan 1 - Mar 31: Gas stations and local commuter transportation.
  • Apr 1 - Jun 30: Grocery stores and wholesale clubs.
  • Jul 1 - Sep 30: Restaurants and more.
  • Oct 1 - Dec 31: Holiday shopping.

Best Travel Rewards Credit Card

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®.

    Fantastic
    • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • Sleek metal card design
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
    • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
    APPLY NOWAt Chase's secure website

    Regular APR

    16.24%-23.24% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    APPLY NOWAt Chase's secure website
    Fantastic
    • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more.
    • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Regular APR

    16.24%-23.24% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    Fantastic
    • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • Sleek metal card design
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
    • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
    APPLY NOWAt Chase's secure website
Chase Sapphire Preferred® Card is a solid card that lets you chalk up points really fast when you use it for dining (be it fast food or fine dining) and travel (ranging from flights and hotels to taxis and tolls). You earn 2 points per $1 on dining and travel purchases and 1 point per $1 on all others. It has a great offer for new sign-ups: You will receive 50,000 bonus points when spending $4,000 in the first 3 months, and 5,000 bonus points when adding an additional cardholder and making a purchase within the first 3 months. You can redeem points for travel, cash, gift cards, merchandise, or unique experiences, but when you redeem for travel through Chase Ultimate Rewards, you get 20% off! Chase Sapphire Preferred® Card has many travel-related perks, such as $0 foreign transaction fees which is handy when you use the card overseas. It has introductory annual fee of $0 the first year, then $95. Here's our Chase Sapphire Preferred® Card review.

Best 2X Travel Rewards Card

Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Our Rating:
  • Our Rating:
  • 4.70/5
Rate This Card

FANTASTIC

  • Earn unlimited 2X miles per dollar on every purchase, every day.

BEWARE OF

  • No low introductory APR period.

REGULAR APR

13.24% - 23.24% (Variable)

ANNUAL FEE

$0 intro for first year; $59 after that

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Capital One® Venture® Rewards Credit Card is a fantastic card that gives you unlimited 2 miles per $1 spent on all purchases, whether you are buying coffee or clothing. We love that the miles you earn are unlimited and they don't expire! Redemption is very flexible as you can use the miles for airfare, hotel accommodation, car rentals, gift cards, and more. A big plus is that there are no blackout dates for travel. Feel free to use this card when overseas - there are no foreign transaction fees. Capital One® Venture® Rewards Credit Card also comes with Visa Signature® perks such as complimentary travel upgrades, 24/7 concierge, shopping discounts, extended warranty and many more. Deal sweetener: Earn a one-time bonus of 40,000 miles after spending $3,000 on purchases within the first 3 months. That’s worth $400 in travel. $0 intro annual fee for the first year; $59 after that. Here's our Capital One® Venture® Rewards Credit Card review.

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Our Pick Of Travel Rewards Card With No Annual Fee

BankAmericard Travel Rewards<sup>®</sup> Credit Card

BankAmericard Travel Rewards® Credit Card

  • Our Rating:
  • Our Rating:
  • 4.50/5
Rate This Card
APPLY NOWAt Bank of America's secure website
or Call 800-335-4319

INTRO APR

0% Introductory APR for 12 billing cycles for purchases

REGULAR APR

15.24% - 23.24% Variable APR on purchases. and balance transfers

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more. Click “Apply Now” to learn more about Preferred Rewards
  • See Terms.
BankAmericard Travel Rewards® credit card is a travel credit card that provides great value for money for budget-conscious travelers. It has no annual fee and no foreign transaction fees, which helps you save money when you use this card overseas. You earn 1.5 unlimited points for each $1 you spend on purchases and points don't expire. Points can be redeemed as statement credit for different types of travel purchases and there are no blackout dates. To use your rewards toward travel purchases, just book your trip as usual and go online or call to redeem your points for a statement credit toward all or part of your travel purchases. To reward you as a new cardmember, you can earn 20,000 online bonus points after spending at least $1,000 on purchases within the first 90 days of account opening (that can be $200 in statement credit towards travel purchases). You can get an additional 10% customer points bonus on every purchase if you have an active Bank of America® checking or savings account, and that amount can increase to 25% or more if you're a Preferred Rewards client. See Terms. Enjoy 0% intro APR for 12 billing cycles on purchases, and a 15.24% - 23.24% variable APR on purchases and balance transfers thereafter. Here's our BankAmericard Travel Rewards® credit card review.

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Our Pick Of Cash Rewards Card With No Annual Fee

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • Our Rating:
  • Our Rating:
  • 4.60/5
Rate This Card
APPLY NOWAt Bank of America's secure website
or Call 800-508-2933

FANTASTIC

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.

INTRO APR

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

REGULAR APR

13.24% - 23.24% Variable APR on purchases. 13.24% - 23.24% Variable APR on balance transfers

ANNUAL FEE

No annual fee

CREDIT REQUIRED

Excellent

CARD DETAILS

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • No annual fee.
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter.
  • No changing categories and no expiration on rewards.
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • See Terms.
BankAmericard Cash Rewards® credit card is one of the top cards at GET.com that offers good cash back on groceries and gas. You earn 2% cash back at grocery stores and 3% cash back on gas purchases on the first $1,500 you spend on combined grocery store and gas purchases each quarter. All other purchases earn 1% cash back. The awesome part is that it has no annual fee, so any cash rewards you earn are pure savings. Cash back does not expire. For new cardmembers only: Earn a $100 online cash rewards bonus after you make at least $500 in purchases in the first 90 days of account opening. You get a 10% customer bonus when you redeem cash back into a Bank of America® savings or checking account. Preferred Rewards clients can increase that bonus amount to 25%-75%. Enjoy 0% intro APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, and 13.24% - 23.24% variable APR on purchases and balance transfers thereafter. You will pay balance transfer fees equal to 3% of each transaction with a $10 minimum fee. See Terms. Here's our BankAmericard Cash Rewards™ credit card review.

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Our Favorite For Impressive Grocery And Gas Rewards

Limited Time Offer
Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

  • Our Rating:
  • Our Rating:
  • 4.60/5
Rate This Card
Limited Time Offer
APPLY NOWAt American Express' secure website

INTRO APR

0% on purchases and balance transfers for 12 months

REGULAR APR

13.24%-23.24% Variable

ANNUAL FEE

$75

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Special Offer - Get up to $350 back. Offer Ends 6/15/2016.
  • Get Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
Blue Cash Preferred® Card from American Express, a GET.com advertiser, is undoubtedly a highly rewarding card for people and families who do most of their spending at U.S. supermarkets, as you can earn 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%). You earn 3% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on the rest of your purchases. You will receive your cash back as Reward Dollars that you can redeem as a statement credit. The $75 annual fee is small, compared to what you can get as a signup bonus: Get $150 back in the form of a statement credit after you spend $1,000 in purchases on your new Card in the first 3 months. Plus, if you apply by 06/15/2016 you will get 10% back when you use the Card at US Wireless Telephone Service Providers in 2016 (up to $200). If you spend at least $105 per month at US supermarkets, the cash back you earn will already cover the annual fee, which means that the gas and department store rewards, plus 1% cash back on all other purchases will be your real savings. We like that you can also get cash back for recurring spending, like your phone bill. Enjoy a 0% intro APR on purchases and balance transfers for 12 months, and a 13.24% - 23.24% variable APR thereafter, based on your creditworthiness as well as other factors. Here's our review of Blue Cash Preferred® Card from American Express. Overall, Blue Cash Preferred® Card from American Express is an excellent choice for families and those who frequently shop at US supermarkets.

Best Cash Back Card For Online Shopping

Discover it<sup>®</sup> Cashback Match™ with No annual fee

Discover it® Cashback Match™ with No annual fee

  • Our Rating:
  • Our Rating:
  • 4.85/5
Rate This Card
APPLY NOWAt Discover's secure website

FANTASTIC

  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

INTRO APR

0% on purchases and balance transfers for 12 months

REGULAR APR

11.24% - 23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Cashback Match™ with No annual fee has killer perks all rolled into one card: You get 5% Cashback Bonus on quarterly changing categories, up to $1,500 in purchases per quarter, 1% cash back on all other purchases, plus Discover will automatically match the cash back you've earned at the end of your first year. The 5% categories cover online shopping websites (for example, Amazon.com), gas, restaurants, department stores and many others. This card is one of the few cards that lets you use your cash back instantly at Amazon.com checkout, which we think is a really cool feature. One feature that we haven't seen in other cards is that you can increase the value of your cashback if you redeem for gift cards from participating merchants. It has 0% intro APR on purchases and balance transfers for the first 12 months, and 11.24% - 23.24% variable APR for both after that, with a 3% balance transfer fee. This card has no annual fee, no foreign transaction fee, and offers other benefits such as purchase, warranty and return protection. Here's our Discover it® Cashback Match™ with No annual fee review. Discover it® Cashback Match™ with No annual fee is overall the best rewards card for online shoppers.

Our Favorite For Earning Cash Back Twice And Citi Price Rewind

Citi<sup>®</sup> Double Cash Card

Citi® Double Cash Card

  • Our Rating:
  • Our Rating:
  • 4.75/5
Rate This Card
APPLY NOWAt Citi's secure website

FANTASTIC

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy.
  • Plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.

INTRO APR

0% intro APR on balance transfers for 18 months

REGULAR APR

13.24% - 23.24%* (Variable)

ANNUAL FEE

$0*

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Citi® Double Cash Card, a partner card, lets you earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. We like that you are rewarded for being a responsible cardholder! Earn unlimited cash back without the need to enroll in any program. The cash back that you earn can be redeemed for statement credit, checks or gift cards. One standout benefit of Citi® Double Cash Card is the complimentary Citi® Price Rewind service which checks for a lower online price for the same item you bought with this card and registered within 60 days of purchase. If a better deal is found, you can request for a refund of the difference, subject to terms and conditions. This card comes with a 0% intro APR on balance transfers for 18 months. There is a 13.24% - 23.24% variable APR on purchases and balance transfers thereafter, depending on your creditworthiness. You can see the applicable balance transfer fee and find out how making a balance transfer impacts interest on purchases by clicking the "Apply Now" button. Here's our review of Citi® Double Cash Card.

Best Business Cash Rewards Card With No Annual Fee

Ink Cash<sup>®</sup> Business Credit Card

Ink Cash® Business Credit Card

  • Our Rating:
  • Our Rating:
  • 4.70/5
Rate This Card
APPLY NOWAt Chase's secure website

FANTASTIC

  • Introductory APR offer.
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

BEWARE OF

  • Larger cash back opportunities are limited to certain spending categories.

INTRO APR

0% introductory APR for 12 months on purchases and balance transfers

REGULAR APR

13.49% - 19.49% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Ink Cash® Business Credit Card is one of the best business cash rewards cards in the market that offers cash back on every purchase you make. You get 5% cash back on the first $25,000 spent on wireless services, office supplies, landline and cable services (on each account anniversary year), 2% cash back on the first $25,000 spent annually on dining and gas (on each account anniversary year), and 1% unlimited cash back on every other purchase. Signup bonus only for new cardmembers: Earn $200 bonus cash back when you spend $3,000 in the first 3 months after account opening. Ink Cash® Business Credit Card provides excellent value for money since there is $0 annual fee for your card or for any extra cards for your employees. To help ease your cashflow, it has 0% intro APR for 12 months on purchases and balance transfers (13.49% - 19.49% variable APR thereafter). Here's our review of Ink Cash® Business Credit Card. Overall, an excellent choice for business owners who spend the most on office supplies and cable/telecom services combined.

Our Favorite For High-End Travel Rewards

The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

  • Our Rating:
  • Our Rating:
  • 4.30/5
Rate This Card
APPLY NOWAt American Express' secure website

FANTASTIC

  • Rewards program.
  • Platinum benefits.
  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.

BEWARE OF

  • Annual fee.

ANNUAL FEE

$450

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
  • There are no foreign transaction fees with your Platinum Card.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
  • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
  • No interest charges because you pay your balance in full each month.
  • Terms and limitations apply.
  • See Rates & Fees
The Platinum Card® from American Express is an exceptional card for high flyers. This exclusive charge card lets you earn 40,000 points after you spend $3,000 on purchases with your new Card within the first three months of card membership (you must be enrolled in the Membership Rewards Program at the time of purchase). Earn 2 points for each dollar you spend on eligible travel purchases you book through the American Express travel website. The benefit we like the most is the complimentary access to over 800 airport lounges around the world (The CenturionSM Lounges, Delta Sky Clubs®, Airspace Lounges, and you can enroll in Priority PassTM Select on them). Get up to a $200 Airline Fee Credit (in the form of statement credit) each year towards qualifying airline purchases you select. No foreign transaction fees. No pre-set spending limit. Some of the notable benefits this card offers are Premium Roadside Assistance, Return Protection and Premium Global Assist® Hotline. This card has a $450 annual fee. Here's our review of The Platinum Card® from American Express. Overall, The Platinum Card® from American Express is an excellent choice of card for frequent travelers who want to enjoy the finer things in life and earn rewards.

Our Pick Of Flat Rate Cash Rewards Cards

Barclaycard CashForward™ World MasterCard<sup>®</sup>

Barclaycard CashForward™ World MasterCard®

  • Our Rating:
  • Our Rating:
  • 4.50/5
Rate This Card
APPLY NOWAt Barclaycard's secure website

FANTASTIC

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.

INTRO APR

0% intro APR for the first 12 months on purchases and 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening.

REGULAR APR

15.24%, 19.24% or 23.24%* Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening.
  • After that a variable APR will apply, currently 15.24%, 19.24% or 23.24%, depending on your creditworthiness
  • No annual fee
Barclaycard CashForward™ World MasterCard® has no annual fee and lets you earn unlimited 1.5% cash rewards on every purchase. Cash back does not expire and there is no cap on the amount of spending you earn cash back for. There are also no categories to fuss with. You simply earn a flat rate of cash back every time you use this card to pay for a purchase. You get a $100 cash rewards bonus after you spend $500 on purchases using your new card in the first 90 days after account opening. You get a 5% cash rewards redemption bonus to use toward your next redemption every time you redeem cash back. Benefit from 0% intro APR for 12 months on purchases and for balance transfers completed in the first 45 days after account opening, and 15.24%, 19.24% or 23.24% variable APR thereafter. You will pay balance transfer fees equal to 3% of each transaction with a $5 minimum fee. This World MasterCard® has solid shopping and travel benefits and let you access your FICO® Credit Score for free online. Find out more in our Barclaycard CashForward™ World MasterCard® review.

Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Our Rating:
  • Our Rating:
  • 4.90/5
Rate This Card
APPLY NOWAt Chase's secure website

FANTASTIC

  • New! Unlimited 1.5% cash back on every purchase — it's automatic.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

INTRO APR

0% on purchases and balance transfers for 15 months

REGULAR APR

14.24%-23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • New! Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Chase Freedom Unlimited℠ gives you unlimited 1.5% cash back on every purchase automatically (no quarterly activation needed). This flat rate cash back card has no annual fee and comes with a 0% intro APR on purchases and balance transfers for 15 months, after which a regular 14.24% - 23.24% variable APR applies. That intro period makes this a good card to transfer credit card debt onto, so you can work on paying it off during the introductory low-APR period. Just note that there is a balance transfer fee of 5% of the amount transferred, or $5 minimum. Also after you spend $500 or more within the first 3 months of opening your account you receive a generous $150 bonus! Get more info in our full review of Chase Freedom Unlimited℠ here.

Our Pick Of Education Rewards Card

Upromise World MasterCard<sup>®</sup>

Upromise World MasterCard®

  • Our Rating:
  • Our Rating:
  • 4.20/5
Rate This Card
APPLY NOWAt Barclaycard's secure website

FANTASTIC

  • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com.
  • 2% cash back on eligible in-store and movie theater purchases.

INTRO APR

0% Intro APR for 15 months on balance transfers made within 45 days of account opening

REGULAR APR

14.24%, 20.24% or 23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • $50 Cash Back Bonus after first use of card
  • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
  • 2% cash back on eligible in-store and movie theater purchases
  • 1% cash back on all other purchases
  • No Limit to the total cash back you can earn on eligible purchases
  • No rotating reward categories
  • Complimentary FICO® Credit Score
Upromise World MasterCard® lets you earn up to 10% cash back when you make eligible purchases at participating online shopping and travel partners through Upromise.com (5% as a Upromise member plus 5% when you pay with this card). You also earn 5% cash back on your total eligible restaurant bills when you dine at participating Upromise restaurants, and 2% cash back for eligible in-store purchases at department stores and purchases at movie theater locations. You earn 1% cash back on all other purchases. Cash back can be redeemed for checks (of $10 or more each month), contributed to an eligible 529 college savings plan, deposited into a Sallie Mae high-yield savings account, or redeemed as payments towards an eligible student loan. Read our complete review of Upromise World MasterCard® here.

Rewards Credit Card Tips

Some credit cards let you earn rewards like miles, points or cash back when you make certain types of purchases with your card. These type of cards are known as rewards credit cards.

When you make a purchase at a store or other merchant and pay using your credit card, the store pays the credit card company a merchant fee. Because the credit card company makes money every time you use your credit card to pay, it’s always on the lookout for ways to get you to use your card to pay more.

Letting you earn rewards every time you make a purchase with your card is a good way to encourage you to use your card more. You save by earning rewards, the bank or credit card company makes money off merchant fees, and the merchant makes a sale that they might not have made if they required cash.

Credit Card Rewards Programs

A payment card rewards program is a scheme that lets you earn rewards when you make certain purchases using your card, and then redeem those rewards for something you want.

Earning points on all your spending is great. But the way you can redeem those points makes a big difference in how much you are really getting for your money. When you pick a rewards credit card, it’s important to have some understanding of the rewards program that powers it.

Some rewards programs are pretty simple, because you always earn rewards when you make certain purchases (at your favorite shop, for example) or because the rewards you earn can only be redeemed for one thing. For example, a rewards program may only let you redeem rewards for gift cards, or for meals at a certain restaurant.

Other rewards programs are more complicated because they give you more flexibility. Some programs let you earn rewards on many different kinds of purchases, or let you redeem rewards for many different things like travel, cash, merchandise, and much more.

Rewards programs are not all equal, and the points (or miles) you get in one program may get you a lot more (or less) than the points you earn using a card with a different program.

Here’s a quick summary of the major rewards programs in the US:

1. Chase Ultimate Rewards®

This solid rewards program from Chase is used by popular rewards cards like Chase Sapphire Preferred® Card and provides a lot of flexibility in how you earn and redeem your rewards. You can earn rewards when you make purchases using an eligible credit card from Chase, as well when you shop on Shop through Chase SM at more than 200 popular retailers online.

When it comes to redeeming rewards, you have several options. You can redeem for merchandise, unique experiences (concerts, sporting events and more), and even redeem for cash back at the rate of $.01 for 1 point into your Chase checking or savings account.

But the real power of this rewards program is reserved for travelers. You can redeem points for flights, hotel accommodations, car rentals, cruises and activities.
Chase Sapphire Preferred® Card gives you 1:1 point transfer to leading frequent travel programs at full value, so your points offer much more travel value than the points you earn with many other programs.

When you redeem points for travel booked through Chase Ultimate Rewards®, you get 20% savings. For example, you can get a $625 flight for just 50,000 Ultimate Rewards points (worth $500 if redeemed in other ways) if you redeem through Chase Ultimate Rewards®. When redeeming points for travel, you can also combine points with cash to make up the difference.

You can move points from another Chase card that earns Ultimate Rewards, as long as those cards belong to you or your spouse (or domestic partner). All things considered, this is a flexible rewards program with a lot of travel perks.

2. Citi ThankYou® Rewards


This rewards program from Citi® lets you earn ThankYou® points using rewarding Citi cards like Citi ThankYou® Preferred Card, Citi ThankYou® Premier Card or Citi Prestige® Card, and even student cards like Citi ThankYou® Preferred Card for College Students.

Points can be redeemed towards online bill payment, merchandise or travel bookings. You can also redeem points as donations to charitable causes. One nice perk is that you can redeem points as a statement credit to cover purchases you make with an eligible Citi credit card that fall under the gas, dining, entertainment, utility bills, drug store and grocery categories.

You can also give your points to other ThankYou® members. If you like to redeem rewards as cash, you can redeem Thankyou points for cash in $50 or $100 denominations. A great benefit for travelers that hold a Citi Prestige® Card is that you can convert points to select frequent flyer programs, often at a very beneficial rate.

For example, you can redeem 1,000 ThankYou® Rewards points for 1,500 HHonors Bonus Points (Hilton Group) or get 1,000 Flying Blue Award Miles (Air France/KLM) for 1,000 ThankYou® Rewards points.

Other frequent flyer programs that benefit from the 1,000:1,000 points conversion rate are Virgin Atlantic Flying Club, Thai Airways Royal Orchid Plus, Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Qantas Frequent Flyer, Malaysia Airlines Enrich, Garuda Indonesia Frequent Flyer, Etihad Guest, EVA Air Infinity MileageLands and Asia Miles. On the whole, Citi ThankYou® Rewards is a very flexible and rewarding program.

3. Capital One® Rewards

This is a pretty simple and straightforward program. Unlike other rewards programs that use points which can then be redeemed for various things, this program lets you earn either cash back or miles, depending on which Capital One® credit card you use.
Miles cards like Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card earn travel rewards, while cash back cards like Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card earn cash back.

The miles you earn are really more like cash back rather than frequent flyer miles. They can be redeemed as a statement credit towards travel purchases you make at a rate of 100 miles to $1 in travel purchases. That means you have a lot of flexibility in the way you redeem miles for travel, as you can pretty much just book travel the way you want, and then redeem miles for a statement credit to cover the purchase.

You can earn unlimited rewards with this program. Cash back can be redeemed for a check, statement credit, or gift card, so you do have some options. A nice perk is that you can redeem any amount of cash back, anytime. Most other programs only let you redeem rewards for cash back in certain denominations.

4. American Express Membership Rewards®

This is a very comprehensive rewards program from American Express that may appeal to you if you prefer redeeming your points for more exclusive rewards. You can book travel including flights, cruises, vacation packages and hotel accommodation using your points, or a combination of points and cash at amextravel.com.

You can also redeem points for rental car certificates (Avis, Hertz, Enterprise), Express Rewards prepaid gas cards, or even towards a Mercedes Benz service, lease or purchase.
One of the strong points of this program is that you can redeem points towards purchases on site at certain American Express partners.

For example, you can redeem points towards a McDonald's purchase right at the counter. You can also shop with points on Amazon.com or transfer your Membership Rewards® to the Plenti® rewards program (500 Membership Rewards® points for 400 Plenti points. You can redeem your points for merchandise.

This program also offers a long list of events and experiences that you can redeem points for. If you prefer gift cards, you will have a lot of different gift cards to choose from when it comes time to redeem your points. Points can also be redeemed towards Ticketmaster (event tickets) and Telecharge (Broadway and off-Broadway events) purchases.

You can also redeem your points towards Uber services right in the Uber app (100 Membership Rewards® points = $1 charged by Uber). If you have at least 1,000 points in your account, you can redeem points toward eligible charges (retail, dining, groceries and more) made with your eligible American Express card. That gives you a lot of flexibility as you can redeem points towards the cost of certain purchases you make.

5. Discover Cashback Bonus

This rewards program is used by Discover cards. You earn rewards as a Cashback Bonus that you can redeem in different ways. This program works very well if you like redeeming rewards for cash. You can redeem for cash anytime, starting at just 1 penny.

Most other programs only let you redeem for cash in set denominations, so you may have to save enough points for $50 or $100 before you can redeem. But that is not the case with this program, as you can redeem any amount of points you want and get cash.

You can also use Cashback Bonus points to pay at the counter when you shop at certain retailers. The Pay with Cashback Bonus lets you use your cash back to pay at online stores, including Amazon.com.

You also get very good value by redeeming your Cashback Bonus points for gift cards (starting at $20), as you can redeem your Cashback Bonus for higher value gift cards from many Discover partners. You can also donate your rewards to charitable organizations.

6. Plenti®

Thanks to this program from American Express, you don’t have to carry around separate customer loyalty cards when you make purchases at merchants including Macy's, AT&T, Exxon, Mobil, Rite Aid, Nationwide, Direct Energy, Hulu, Alamo Rent A Car, Enterprise Rent-A-Car, National Car Rental.

You earn Plenti rewards when you make purchases at any of these Plenti partners and you can redeem your Plenti points towards purchases at AT&T company-owned stores, Macy's and more! Terms and limitations apply.

If you use The Plenti® Credit Card from Amex, you earn 1 Plenti® point for per $1 you spend on eligible purchases with your Credit Card. That way you can earn Plenti® points just by using this card for regular purchases. Terms and limitations apply. You get 5,000 Plenti® points after you spend $250 on purchases using your The Plenti® Credit Card from Amex within your first 3 months of Card Membership. Terms and restrictions apply.

7. Upromise® By Sallie Mae®

If you want to earn rewards that you can redeem towards education, then you will probably find this rewards program interesting. The program works through a huge network of partner merchants.

You can earn 5% (or more) cash back when you make eligible online purchases at over 850 popular retailers (Groupon, Sears.com, Macys.com, Staples.com, and more) when you shop through Upromise.

You also earn 5% cash back at thousands of Upromise partner restaurants. Another way to earn up to 5% cash back for college is to book travel with Travelocity, Expedia, Budget and other travel merchants through Upromise. You can use any Visa or MasterCard credit card to shop through Upromise, but you will have to link your card to your Upromise account.

8. FlexPerks®

This rewards program from U.S. Bank lets you earn FlexPoints that can be redeemed for travel, gift cards, statement credit and merchandise (including Apple®, Sony®, Bose®, North Face® and more). This program is exceptionally rewarding when you redeem for travel.

You can redeem for hotel accommodation, car rentals and cruise lines. But you get exceptional value when you redeem your FlexPoints for airline travel because FlexPerks works with a tier system.

For example, 20,000 points can get you up to $400 in airline ticket travel, because the first tier (20,000 points) can be redeemed for flights that cost up to $400.

The second tier (30,000 points) can be redeemed for up to $600. That means you can basically double the value of your points when redeeming this way.

There are 14 different tiers so you get a lot of flexibility. Of course a $450 flight will already fall under the second tier, because it’s over $400. But you can pay part of your flight with points and charge the difference to your card, so you always get the best value.

More Than One Program

Some credit card companies have more than one rewards program, and the rewards you earn will depend on which card you have. For example, American Express runs three rewards programs: Membership Rewards® (a points rewards program), Reward Dollars (a cash back rewards program), and Plenti (a merchant-specific rewards program).