top 10 rewards credit cards
Some of the top 10 rewards credit cards include the Chase Freedom Unlimited®, Chase Sapphire Preferred® Card, and the Delta SkyMiles® Blue American Express Card. These cards stand out for their generous rewards programs and valuable perks, making them great choices for savvy spenders looking to maximize their benefits.
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The Chase Freedom Unlimited® offers unlimited 1.5% cash back on every purchase, with bonus rewards in select categories like travel and drugstores. It also provides a large sign-up bonus and no annual fee, making it a top pick for everyday use. The Chase Sapphire Preferred® Card is highly rated for its travel rewards, offering 2x points on travel and dining, along with a large initial bonus that can be redeemed for travel through the Chase Ultimate Rewards program. For frequent travelers, the Delta SkyMiles® Blue American Express Card is a great option, offering miles on every purchase and additional bonus miles for Delta purchases. These rewards cards cater to different spending habits, from cash back to travel rewards, providing great value for cardholders.
Chase Freedom Unlimited®View AllChase Freedom Unlimited® - "Earn unlimited 1.5% cash back on every purchase!"
Chase Sapphire Preferred® CardView AllChase Sapphire Preferred® Card - "Earn 2x points on travel and dining!"
Delta SkyMiles® Blue American Express CardView AllDelta SkyMiles® Blue American Express Card - "Earn miles on every purchase and enjoy perks!"
Chase Sapphire Reserve®View AllChase Sapphire Reserve® - "Luxury rewards with premium benefits!"
U.S. Bank Altitude® Connect Visa Signature® CardView AllU.S. Bank Altitude® Connect Visa Signature® Card - "Earn more on everyday spending!"
Capital One Quicksilver Cash Rewards Credit CardView AllCapital One Quicksilver Cash Rewards Credit Card - "Unlimited 1.5% cash back on every purchase!"
Capital One Savor Cash Rewards Credit CardView AllCapital One Savor Cash Rewards Credit Card - "Earn 4% cash back on dining and entertainment!"
The Platinum Card® from American ExpressView AllThe Platinum Card® from American Express - "Luxury travel perks and unmatched rewards!"
Hilton Honors American Express CardView AllHilton Honors American Express Card - "Earn Hilton points on every purchase!"
Capital One Venture Rewards Credit CardView AllCapital One Venture Rewards Credit Card - "2x miles on every purchase, unlimited rewards!"
top 10 rewards credit cards
1.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® offers unlimited 1.5% cash back on every purchase, with the added benefit of 5% cash back on travel purchased through Chase and 3% on dining and drugstore purchases. This card provides a straightforward, no-annual-fee way to earn rewards on everyday spending, making it ideal for those who want simplicity without sacrificing rewards. There’s also a generous welcome bonus for new cardholders.
Pros
No annual fee- Simple cashback
- High rewards on travel
- Flexible redemption
- Intro bonus offer
Cons
Limited bonus categories- Foreign transaction fee
- High APR
- No 0% intro APR on purchases
- Rewards cap on some categories
2.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a versatile travel rewards card that offers 2x points on travel and dining, and 1 point on all other purchases. It is perfect for those who travel frequently and want to maximize their rewards, as points can be redeemed for travel through the Chase Ultimate Rewards® portal at a 25% bonus. There’s also a large sign-up bonus for new customers and no foreign transaction fees.
Pros
- High rewards on travel
- Valuable sign-up bonus
- 25% bonus on travel
- No foreign transaction fee
- Flexible point redemption
Cons
- High annual fee
- Requires good to excellent credit
- High APR
- Limited travel perks
- Limited rewards for non-travel expenses
3.
Delta SkyMiles® Blue American Express Card
The Delta SkyMiles® Blue American Express Card allows cardholders to earn miles on every purchase, with 2x miles on Delta purchases. This card is an excellent choice for frequent Delta Airlines flyers, as miles can be redeemed for flights, seat upgrades, and other travel-related expenses. New members enjoy a welcome bonus and the ability to earn more miles on Delta-related purchases.
Pros
- 2x miles on Delta purchases
- No annual fee
- Miles never expire
- Welcome bonus
- Low cost of ownership
Cons
- Limited bonus categories
- No major travel perks
- Foreign transaction fees
- Low rewards on non-Delta purchases
- Requires good credit
4.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® card offers premium rewards for those who want to travel in style. With 3x points on travel and dining, a large welcome bonus, and 1:1 point transfer to leading airline and hotel partners, it’s perfect for avid travelers. The card also includes priority airport lounge access, comprehensive travel insurance, and an annual travel credit, making it a top-tier travel rewards card with a high annual fee.
Pros
- 3x points on travel/dining
- Priority lounge access
- Premium travel insurance
- 1:1 point transfers
- $300 annual travel credit
Cons
- High annual fee
- Requires excellent credit
- High APR
- Complex reward system
- High foreign transaction fees
5.
U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card offers 4x points on travel and dining, 2x points on grocery store and gas station purchases, and 1x point on all other purchases. This card is perfect for those who want to earn extra rewards for their everyday expenses, while still enjoying travel benefits like points on travel, no foreign transaction fees, and a generous sign-up bonus.
Pros
- 4x points on travel/dining
- No foreign transaction fees
- Sign-up bonus
- Flexible redemption
- Travel perks
Cons
- High annual fee
- Requires good to excellent credit
- Low rewards on non-bonus categories
- High APR
- Complex redemption system
6.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back on all purchases, with no rotating categories or bonus categories to track. It’s a great choice for those who want a straightforward rewards card with no annual fee. Cardholders also get access to a one-time sign-up bonus and the ability to redeem rewards for cash, travel, or gift cards.
Pros
- Simple rewards
- No annual fee
- Cash back on all purchases
- Easy redemption
- No rotating categories
Cons
- Foreign transaction fee
- High APR
- Limited travel perks
- Lower cash back rate on specific purchases
- High late fees
7.
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for foodies and entertainment lovers, offering 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on other purchases. This card is perfect for those who enjoy dining out, going to concerts, and engaging in other entertainment activities, while also offering valuable cash back rewards.
Pros
- 4% cash back on dining/entertainment
- No annual fee
- 2% on groceries
- Easy to redeem
- Generous sign-up bonus
Cons
- Limited rewards for non-qualifying purchases
- Foreign transaction fee
- High APR
- Requires good credit
- Fewer travel benefits
8.
The Platinum Card® from American Express
The Platinum Card® from American Express is a premium rewards card tailored for those who want the best in luxury travel experiences. Cardholders earn 5x points on flights booked directly with airlines or through American Express Travel, along with access to VIP airport lounges, concierge services, and elite hotel statuses. The card also offers extensive travel protections, but with a high annual fee.
Pros
- 5x points on flights
- Luxury travel perks
- Access to lounges
- Concierge service
- Extensive travel protections
Cons
- High annual fee
- Requires excellent credit
- Foreign transaction fees
- High APR
- Complex redemption system
9.
Hilton Honors American Express Card
The Hilton Honors American Express Card lets cardholders earn 7x Hilton Honors points on eligible hotel stays, 5x points on dining, and 3x points on all other purchases. It’s perfect for frequent Hilton guests who want to maximize their points for hotel stays, upgrades, and experiences. The card also offers a valuable welcome bonus and no annual fee for the entry-level version, making it a great choice for Hilton brand loyalists.
Pros
- 7x points on Hilton stays
- No annual fee
- Flexible redemption
- Welcome bonus
- Earning on dining
Cons
- Limited rewards outside Hilton stays
- Foreign transaction fees
- Low rewards on non-Hilton purchases
- High APR
- Requires good credit
10.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a simple travel rewards card that offers 2x miles on every purchase. Cardholders can use these miles to book travel, gift cards, or even statement credits, with no blackout dates. The card also comes with a sign-up bonus and no foreign transaction fees, making it a great option for frequent travelers looking for flexibility and simplicity in earning and redeeming miles.
Pros
- 2x miles on all purchases
- No foreign transaction fees
- Easy redemption
- Simple rewards
- Welcome bonus
Cons
- High annual fee
- Requires good credit
- Limited bonus categories
- High APR
- Few premium travel perks