Step up your bank card reward recreation with these high picks

Rewards bank cards are a good way to earn helpful reward foreign money for bills you already make commonly. Plus, they make journey extra snug due to transferable factors and miles.

In actual fact, transferable bank card factors reworked the best way I journey as a result of this foreign money is a lot extra helpful than factors earned straight by way of an airline or lodge loyalty program.

Coupled with common switch bonuses to pick out switch companions, transferable factors’ worth turns into far more evident. I can maintain onto my bank card rewards till I am prepared to make use of them, and if one switch companion unexpectedly will increase their redemption charges, I can change to a unique switch companion, defending myself from disagreeable devaluations.

Whatever the helpful rewards you earn on a bank card, prioritize utilizing it responsibly and paying your payments in full every month. In any other case, the curiosity and penalties you incur will seemingly be a lot larger than the worth of any rewards obtained.

Whether or not you’re a newbie traveler or an skilled one, a enterprise proprietor or a renter, listed here are my high alternatives for one of the best rewards bank cards.

The very best rewards bank cards

Evaluating one of the best rewards bank cards

Here is a deeper dive so you possibly can see how my high suggestions for one of the best rewards bank cards stack up.

Chase Sapphire Reserve

Welcome supply: Earn 100,000 factors plus a $500 Chase Journey promo credit score after spending $5,000 on purchases throughout the first three months from account opening.

Annual charge: $795.

Standout advantages: The Sapphire Reserve has just lately obtained a face-lift and options new reward-earning charges, credit and, sure, a large annual charge.

Regardless of these modifications, the Sapphire Reserve nonetheless provides a stable worth proposition for individuals who can max out a lot of the credit and, in flip, offset the brand new $795 annual charge. Like its mid-tier sibling, the Sapphire Most well-liked (a card I maintain), the Sapphire Reserve earns Chase Final Rewards factors, one of the vital helpful reward currencies in the marketplace — and one in all my private favourite currencies, due to its flexibility and Chase’s switch companions.

In the event you’re a frequent traveler who needs entry to credit that fit your way of life, the revamped Sapphire Reserve may very well be a fantastic addition to your pockets, particularly with perks like an annual $500 The Edit credit score you should utilize (for stays of two nights or extra) at 1,000+ hand-picked properties all around the world.

For extra particulars, see our full evaluation of the Chase Sapphire Reserve.

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Chase Sapphire Most well-liked Card

Welcome supply: Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.

Annual charge: $95.

Standout advantages: With a wonderful welcome bonus of 75,000 factors after spending $5,000 on purchases within the first three months from account opening, the Chase Sapphire Most well-liked Card makes it straightforward to earn a lot of helpful Final Rewards factors all for a low annual charge. You’ll be able to enhance your earnings with elevated rewards charges within the (massively common) journey and eating classes.

Why it is nice for rewards: When family and friends ask me which card I like to recommend most for starting to gather rewards, I normally suggest this one, given its wholesome welcome bonus.

Regardless that there are such a lot of nice Final Rewards switch companions, I’ve redeemed most of mine over time by way of World of Hyatt for the easy purpose that their award charts are actually affordable, and I do know I can at all times get nice worth like at The Grayson, an Unbound Assortment property within the coronary heart of New York Metropolis (which I’ve beforehand executed for a particular birthday journey to rejoice my husband).

With no resort charges on World of Hyatt redemptions, we loved 4 nights of lodging with no out-of-pocket prices, and he gasped when he noticed the view of the Empire State Constructing from our window.

I just lately redeemed 100,000 Air Canada Aeroplan factors (an Final Rewards 1:1 switch companion) for a ten.5-hour Lufthansa first-class flight from Frankfurt Airport (FRA) to George Bush Intercontinental Airport (IAH), sitting within the nostril of the enduring “Queen of the Skies” Boeing 747-8.

It was among the finest flights of my life, together with being pushed throughout the tarmac in Frankfurt from the Lufthansa First Class Terminal in a personal luxurious car, having fun with caviar with all of the trimmings, loads of Champagne and an 81-inch mattress that was extra snug than my mattress at residence.

That is the bank card I’ve held the longest and nonetheless love, and when you’ve ever thought of a rewards-earning bank card, now could be the best time to apply for the Chase Sapphire Most well-liked Card.

For extra particulars, see our full evaluation of the Chase Sapphire Most well-liked Card.

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Blue Money Most well-liked Card from American Specific

Welcome supply: Earn a $250 assertion credit score after spending $3,000 in purchases on the primary six months of card membership.

Annual charge: $0 intro annual charge for the primary 12 months, then $95.

Standout advantages: This card allows you to supercharge your money again with a powerful 6% money again at U.S. supermarkets on as much as $6,000 per 12 months calendar in purchases (then 1%) and on choose U.S. streaming providers on the Blue Money Most well-liked Card.

Why it is nice for Rewards: For a card that doesn’t cost an annual charge within the first 12 months, the Blue Money Most well-liked Amex will reward you handsomely. The $250 assertion credit score places you properly in entrance, and that is earlier than you even issue within the 6% money again for U.S. supermarkets and choose streaming providers — which is among the many highest money again you may discover provided on any class on any card.

The three% money again provided on transit and U.S. fuel has a generously broad definition, overlaying most floor transportation choices, together with if you park your car. Due to this, I like to recommend the Blue Money Most well-liked as a terrific cash-back card and an particularly good possibility for bigger households with giant grocery payments. It is good to remember the fact that money again is obtained within the type of Rewards {Dollars} that may be obtained within the type of a press release credit score or at Amazon.com checkout.

For extra particulars, see our full evaluation of the Blue Money Most well-liked Card from American Specific.

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Capital One Enterprise Rewards Credit score Card

Welcome supply: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.

Annual charge: $95.

Standout advantages: This uniquely rewarding welcome supply contains incomes each miles and a Capital One Journey credit score. Along with its industry-leading 2 miles per greenback spent on each buy, day by day, if you guide motels, trip leases and rental automobiles by way of Capital One Journey, the incomes charge will increase to five miles per greenback spent.

This card additionally has rental automotive insurance coverage, journey help insurance coverage and as much as $120 software charge credit score for World Entry or TSA PreCheck each 4 years.

Why it is nice for rewards: With no international transaction charges, it is a nice card for touring in contrast with an American Specific card, which I’ve discovered is probably not accepted in fairly as many locations overseas. In the event you aren’t snug paying the $395 annual charge of the Enterprise Rewards large sister, the Capital One Enterprise X Rewards Credit score Card, the Enterprise Rewards annual charge is extra palatable with a $95 annual charge.

It nonetheless earns a powerful 2 miles per greenback spent on each buy. I really like the 15-plus switch companion choices, particularly transferring my Capital One miles to Air Canada’s Aeroplan program to guide business-class flights to Europe in fancy lie-flat seats from as little as 60,000 factors or home flights on United from simply 6,000 factors in economic system.

Or, if you wish to guide a flight or lodge that isn’t accessible by way of a switch companion, you may also redeem Capital One miles at a charge of 1 cent every by way of Capital One Journey. This perk has helped me return residence from among the extra uncommon locations I’ve visited.

For extra particulars, see our full evaluation of the Capital One Enterprise Rewards Credit score Card.

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The Platinum Card from American Specific

Welcome supply: Discover out your supply and see in case you are eligible for as excessive as 175,000 Membership Rewards Factors after spending $8,000 on purchases throughout the first six months of card membership. Welcome provides differ and also you is probably not eligible for a suggestion.

Annual charge: $695.

Standout advantages: The Amex Platinum earns a beneficiant 5 factors per greenback spent on flights booked straight with airways or with American Specific Journey (as much as $500,000 on these purchases per calendar 12 months, then 1 level per greenback) and 5 factors per greenback spent on pay as you go motels booked with American Specific Journey, and 1 level per greenback on all different purchases making it a wonderful journey companion.

This card is filled with annual credit* which may simply cowl the price of the annual charge, together with:

• As much as $200 in assertion credit per calendar 12 months for incidental charges charged by one airline you choose with all main U.S. airways accessible to select from*
• As much as a $200 annual lodge credit score per calendar 12 months, within the type of a press release credit score, on pay as you go Amex Positive Motels + Resorts or The Resort Assortment bookings with Amex Journey if you pay with my Amex Platinum (Resort Assortment stays require a two-night minimal)
• An as much as $199 Clear Plus assertion credit score to assist cardholders cross by way of airport safety quicker at 50+ airports nationwide and rise up to $199 again per calendar 12 months on their membership (topic to auto-renewal) after they use their Platinum card*
• You obtain as much as $20 again in assertion credit every month on eligible purchases made in your favourite streaming providers like Disney+, a Disney+ Bundle, ESPN+, Hulu, The New York Occasions, Peacock and The Wall Road Journal (as much as a $240 annual assertion credit score per calendar 12 months)*
• This card gives as much as $200 per calendar 12 months in Uber Money, legitimate on Uber rides and Uber Eats orders within the U.S. (cut up into month-to-month as much as $15 credit plus an as much as $20 bonus in December). Uber Money will solely be deposited into one Uber account if you add the Amex Platinum as a fee technique and redeem with any Amex card.
• Obtain both a $120 assertion credit score each 4 years for a World Entry software charge or a press release credit score as much as $85 each 4½ years for a TSA PreCheck (by way of a TSA official enrollment supplier) software charge, when charged to the Platinum Card. Card Members accepted for World Entry will even obtain entry to TSA PreCheck at no further price.
• As much as $100 in annual Saks Fifth Avenue credit, cut up into one as much as $50 assertion credit score between January and June, then one other as much as $50 assertion credit score between July and December

The Amex Plat gives numerous further credit that I do not use myself, however they might profit you when you frequent particular locations.

*Enrollment is required; phrases apply.

Why it is nice for rewards: I am unable to consider one other private card that provides extra perks than the almighty Amex Platinum. There is no denying that the annual charge is a severe funding, however even when you journey occasionally, the variety of journey advantages cannot be crushed.

I really like accessing the Centurion Lounges with my Amex Platinum, already open at 15 U.S. airports, with new lounges opening quickly. These areas function meals and drinks from award-winning cooks and high mixologists and are value arriving early to get pleasure from earlier than your subsequent flight.

Do you know that when you fly Delta on a same-day flight and present your Amex Platinum you possibly can get pleasure from 10 Sky Membership visits yearly? Plus, when you’re flying out of or by way of an airport with out a Centurion Lounge or Delta Sky Membership, you possibly can nonetheless entry greater than 1,400 lounges throughout 140 international locations due to American Specific’ World Lounges Assortment.

I additionally worth the complimentary Gold standing with Hilton Honors and Marriott Bonvoy. The Hilton standing for stays outdoors america is very nice because it gives complimentary breakfast for myself and any registered company (a meals and beverage credit score is obtainable at properties in america). Enrollment is required; phrases apply.

I do not use each credit score provided by the Amex Platinum yearly, however World Entry is such a time-saver to beat lengthy strains at TSA safety screening and immigration on arrival. Plus, by way of common journey and purchasing every year, I do know I am going to simply use a number of of the credit that include this card (particularly the airline, lodge, Saks Fifth Avenue and Uber Money credit talked about above).Collectively, these present a number of hundred {dollars} in advantages every year, serving to to offset the price of holding the Amex Platinum card.

For extra particulars, see our full evaluation of The Platinum Card from American Specific.

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Ink Enterprise Most well-liked Credit score Card

Welcome supply: Earn 90,000 factors after spending $8,000 on purchases within the first three months from account opening.

Annual charge: $95.

Standout advantages: This card provides each a beneficiant welcome bonus and the flexibility to earn helpful Final Rewards factors, all for a low annual charge.

You will earn 3 factors per greenback spent on the primary $150,000 spent in mixed purchases every year on journey, transport purchases, web, cable and cellphone providers, and promoting purchases made with social media websites and search engines like google. In different classes (and after you attain that $150,000 mixed restrict), the cardboard nonetheless earns a good 1 level per greenback on all different purchases.

A number of journey and buy protections are additionally accessible, together with cellphone safety, main automotive rental protection, journey delay reimbursement, journey cancellation/interruption insurance coverage, journey delay reimbursement, buy safety and prolonged guarantee safety.

Why it is nice for rewards: Final Rewards are among the greatest bank card factors you possibly can earn. Over time, I’ve discovered so many nice makes use of for them, particularly the flexibility to switch them to World of Hyatt at a 1:1 charge for great-value lodge stays like Crossbasket Fortress in Scotland, although this property as a part of SLH has now moved from World of Hyatt to Hilton Honors.

I am additionally a large fan of KLM’s new premium economic system product which I charge as one of many world’s greatest and might switch my Final Rewards to Air France-KLM’s Flying Blue program at a 1:1 charge to guide flights to Europe from 40,000 Flying Blue factors.

The welcome bonus for this card is large, and the three factors per greenback incomes charge on so many classes through which the typical enterprise proprietor spends commonly makes it straightforward to rack up Final Rewards factors.

For extra particulars, see our full evaluation of the Ink Enterprise Most well-liked Credit score Card.

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Ink Enterprise Limitless Credit score Card

Welcome supply: Earn $750 after spending $6,000 on purchases within the first three months from account opening.

Annual charge: $0.

Standout advantages: Although we suggest paying your card off in full each month, the Ink Enterprise Limitless has an introductory 0% annual share charge (APR) for 12 months from account opening on purchases (growing to a 17.49% – 23.49% variable APR after that).

This card additionally provides:

• Buy safety: For as much as 120 days in opposition to harm or theft, as much as $10,000 per declare and $50,000 per account.
• Auto rental collision harm waiver: While you hire a automotive for enterprise functions, you possibly can decline the rental automotive firm’s collision insurance coverage and be lined by the cardboard as much as the car’s money worth within the case of theft or collision harm on most leases each at residence and overseas.
• Prolonged guarantee: Even if you are going to buy one thing on the cardboard with a U.S. producer guarantee of three years or much less, the guarantee will likely be prolonged by an extra 12 months.

Why it is nice for rewards: If operating your corporation is difficult sufficient, this card provides a easy approach to save 1.5% on each enterprise expense charged to the cardboard by way of its simple money again supply. The welcome supply places much more a refund in your pocket, and with no annual charge, you may be method out forward.

When you’ve got workers with enterprise bills, you possibly can subject them with playing cards as approved customers at no additional price and acquire the cashback they spend on the cardboard. Simply remember you may be answerable for all costs, although.

There’s additionally a neat method to show all that money again into Final Rewards factors that may be transferred to a spread of helpful airline and lodge loyalty applications by pairing the Ink Enterprise Limitless Credit score Card with any of the next playing cards:

For extra particulars, see our full evaluation of the Ink Enterprise Limitless Credit score Card.

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Citi Strata Premier Card

Welcome supply: Earn 60,000 factors after spending $4,000 within the first three months of account opening.

Annual charge: $95.

Standout advantages: The Citi Strata Premier provides $100 off a single lodge keep of $500 or extra, excluding taxes and costs, as soon as per calendar 12 months if you guide by way of Citi Journey. That is a straightforward approach to cowl the price of the annual charge every year.

Why it is nice for rewards: This card tends to fly underneath the radar, and whereas another rewards playing cards supply bonus factors in a single or two main classes, the Strata Premier has been one of the vital helpful playing cards I’ve ever held as a result of it options an incomes charge of three factors per greenback spent in common classes together with air journey, different lodge purchases, eating places, supermarkets, fuel and EV charging stations.

I am unable to consider one other card that earns 3 factors per greenback throughout so many classes the place I spend commonly. This has helped me to earn tons of Citi ThankYou Rewards, which I switch to applications like JetBlue TrueBlue, Virgin Atlantic Flying Membership and Singapore Airways KrisFlyer.

Virgin Atlantic’s unbelievable new Saver fares permit me to guide flights to London for as little as 6,000 Virgin factors (transferred from Citi at a 1:1 charge) plus charges, taxes and carrier-imposed surcharges, in addition to to fly again from Tanzania following a particular birthday safari in KLM enterprise class just lately, additionally with Virgin factors the place I collected one in all their cute Delft homes.

After I guide journey by way of the Citi Journey portal, I earn an unbelievable 10 factors per greenback spent on motels, automotive rental and sights, which I worth as incomes 18.5% again as factors in keeping with TPG’s July 2025 valuation of ThankYou Rewards. This card is so rewarding for all of the journey I guide; the Citi Strata Card has been among the finest playing cards I’ve added to my pockets.

For extra particulars, see our full evaluation of the Citi Strata Premier Card.

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Chase Freedom Limitless

Welcome supply: Earn $200 after spending $500 within the first three months from account opening.

Annual charge: $0.

Standout advantages: Earn a minimum of 1.5% money again on each buy you make on the cardboard, growing to three% money again on drugstore purchases and eating at eating places (together with takeout and eligible supply providers), and 5% again on journey booked by way of Chase Journey.

Why it is nice for rewards: I can respect not everyone seems to be as obsessive about loyalty applications as I’m, and also you would possibly simply wish to be rewarded with uncomplicated money again. The Chase Freedom Limitless retains issues easy whereas nonetheless generously rewarding you.

I like to recommend this as a fantastic possibility when you’re in search of a card that earns greater than 1% money again on all purchases with out paying an annual charge, and the welcome supply additionally sweetens the quantity you possibly can earn again within the first 12 months.

In the event you like to journey, then think about the comfort of reserving flights, motels, automobiles, cruises and extra by way of Chase Journey. Not solely can this be a one-stop store on your subsequent trip, however you may earn a beneficiant and rewarding 5% money again on all journey booked through Chase Journey.

You can too convert the money again you earn from this card into transferable factors by pairing it with a card that earns Final Rewards factors, just like the Chase Sapphire Most well-liked Card.

For extra particulars, see our full evaluation of the Chase Freedom Limitless.

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American Specific Gold Card

Welcome supply: Discover out your supply and see in case you are eligible for as excessive as 100,000 Membership Rewards Factors after spending $6,000 on purchases throughout the first six months of card membership. Welcome provides differ and also you is probably not eligible for a suggestion.

Annual charge: $325.

Standout advantages: This card offers you some ways to earn a couple of level per greenback, particularly if groceries and eating out (or ordering takeout) take up quite a lot of your funds.

There’s additionally a single $10 month-to-month eating credit score you should utilize at Grubhub, The Cheesecake Manufacturing facility, Goldbelly, Wine.com and 5 Guys (as much as a $120 annual assertion credit score per calendar 12 months; enrollment required), plus $10 monthly in Uber Money, which can be utilized on Uber Eats orders or Uber rides within the U.S. (as much as a $120 annual assertion credit score per calendar 12 months). Uber Money will solely be deposited into one Uber account if you add the Amex Gold Card as a fee technique and redeem with any Amex card.

Why it is nice for rewards: I dine out commonly, particularly when touring and away from my residence kitchen, so it is a nice approach to eat my approach to extra Membership Rewards factors.

For group dinners the place splitting the invoice on the restaurant may be awkward, I generally supply to pay on my card after which have my eating companions ship me their share of the test. I can earn the factors for all the test — which may simply be hundreds of Membership Rewards factors for an enormous group dinner.

I really like transferring this reward foreign money to British Airways Membership and Singapore Airways KrisFlyer.

Even past incomes 4 factors per greenback spent at eating places worldwide and U.S. supermarkets (as much as $50,000 every calendar 12 months for eating places and as much as $25,000 every calendar 12 months on groceries at U.S. supermarkets, then 1 level per greenback on different purchases), the month-to-month credit can shortly add up to cowl the annual charge every year. Even when I solely order from Grubhub, Uber Eats, and 5 Guys as soon as a month, the credit are severely rewarding. And that is earlier than I’ve factored within the as much as $100 annual Resy assertion credit each calendar 12 months (damaged down as two as much as $50 credit biannually; for purchases at U.S. Resy-affiliated eating places and different eligible purchases). Enrollment is required.

In the event you love consuming out at locations that settle for American Specific, this card ought to be in your pocket.

For extra particulars, see our full evaluation of the American Specific Gold Card.

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What to contemplate when selecting a rewards bank card

It may be dizzying having so many various playing cards, every with completely different welcome bonuses, annual charges, incomes charges, assertion credit and different perks. It helps to set some parameters round how you intend to make use of a card and its accompanying rewards.

And bear in mind, you are not locked into one card for all times. I apply for, downgrade and cancel my playing cards comparatively commonly as my spending and journey habits evolve.

Most well-liked rewards

Contemplate whether or not you worth incomes money again or factors and miles you can switch to a companion program or redeem by way of a bank card journey portal.

There is no good reply for this and it could rely in your private desire and journey types. If the thought of a number of switch choices, award charts and switch bonuses feels too advanced, maybe begin with a card that earns money again after which work as much as a product that earns factors or miles when you’re extra accustomed to the bank card rewards recreation.

Welcome bonus

It is tempting to scan a abstract desk and select the cardboard with the best welcome bonus — I’ve actually been responsible of doing that.

However in case you are making an attempt to check a cash-back bonus of, say, $750, with a welcome bonus of 75,000 factors, it isn’t so simple as making use of a one-cent-per-point worth and assuming the 75,000 factors are value $750, as bank card factors are normally value greater than that, relying on the way you spend them.

Whereas a big welcome bonus of factors and miles can actually sweeten the deal of making use of for a brand new rewards bank card, I might suggest checking the worth of any factors in opposition to TPG’s present month-to-month valuations to place an approximate money worth on the welcome bonus.

Spending habits

Which classes do you are inclined to spend probably the most in? Do the locations you store at settle for American Specific? In the event you can decide this earlier than making use of for something, deciding which card will earn you probably the most rewards is less complicated.

In the event you plan to take the cardboard touring with you, guarantee it doesn’t cost a international transaction charge. In any other case, this charge will seemingly be greater than the worth of the rewards you’d earn.

Annual charge

Some playing cards I’ve really helpful carry annual charges of their first and subsequent years. Although no one likes paying an annual charge, it could be justified if the advantages of being a cardholder and the accompanying credit present worth that outweighs the charge.

A very good rule of thumb that I take advantage of to determine if and the way a lot of an annual charge I ought to pay on a rewards bank card is to try to discover a welcome bonus that’s valued larger than the annual charge for the primary 12 months. I then have a look at the worth of the advantages like assertion credit, bonus miles and journey protections and advantages to estimate whether or not they can be larger than the annual charge price within the second and subsequent years when the welcome bonus wouldn’t be relevant.

If unsure, you can begin with a card with no annual charge to make sure you’re getting actual worth from it earlier than contemplating a card with an annual charge.

How we selected one of the best rewards bank cards

We rated one of the best rewards bank cards based mostly on a number of components, together with however not restricted to the welcome provides these playing cards present, reward incomes charges — particularly in common bonus classes, switch companions and their charges and different perks related to every card.

Take a look at our methodology right here to learn the way TPG evaluates and chooses playing cards for our roundups.

Redemption choices for rewards bank cards

For a cash-back bank card, I might suggest lowering your bank card invoice by making use of the money again earned from the cardboard.

In the event you’d fairly internet that extra cash or put it towards different bills, most issuers permit you to redeem money again in varied methods — whether or not it is placing money again towards an Amazon.com buy, changing money again to factors relying on what different playing cards throughout the identical issuer household you’ve gotten that permit you to do that or just placing money again into your checking account.

For factors and miles incomes bank cards, you possibly can normally redeem the rewards by way of the cardboard issuer’s journey portal, normally at a charge of round one cent every (relying on the cardboard issuer). Bear in mind, although, that you’re going to get much better worth by transferring them to an airline or lodge companion program.

Associated: Bank card switch companions: Information to transferring factors and miles to airways and motels

Backside line

Rewards bank cards have fully modified the best way I spend and, subsequently, journey. I put each buy — even a pack of gum or a cup of espresso — on particular playing cards to maximise my spending and reap the benefits of elevated incomes charges.

Whether or not you are a professional on the money again, factors and miles recreation or a newbie, use this information that can assist you work out which rewards bank card is greatest suited to your spending patterns, funds and way of life.

With low or no annual charges, my rewards bank cards have earned me lots of of hundreds of factors and miles over time. I’ve additionally loved advantages like airport lounge entry, elite lodge standing, countless assertion credit and bucket-list journeys.

For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

For charges and costs of the Amex Gold card, click on right here.
For charges and costs of the Amex Platinum card, click on right here.
For the charges and costs of the Blue Money Most well-liked Card, click on right here.

Associated: The very best bank card welcome bonuses of March 2025