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It pays to have a good credit score. Pun intended. In all seriousness, though, a good credit score can save you money in the form of lower interest rates and better rewards credit cards.

And who doesn’t love getting rewarded for their spending? There are a ton of different rewards credit cards out there, so it can be hard to know which one is right for you.

To help you out, we’ve compiled a list of the 16 best rewards credit cards, based on factors like annual fee, APR, and sign-up bonus.

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Cash back cards

There are many great cash back credit cards on the market today. Some offer a higher percentage of cash back on certain categories, while others have a flat rate. Here are a few of the best cash back credit cards available:

The Citi Double Cash Card offers 2% cash back on all purchases – 1% when you buy, and 1% when you pay your bill. There is no limit to the amount of cash back you can earn, and there is no annual fee.

The Chase Freedom Unlimited card offers 1.5% cash back on every purchase, with no limit to the amount of cash back you can earn. There is also no annual fee.

The Discover it Cash Back card offers 5% cash back on rotating categories (up to $1,500 per quarter), and 1% cash back on all other purchases. There is also no annual fee.

These are just a few of the many great cash back credit cards available today. Be sure to do your research to find the card that best fits your spending habits and needs.

Travel cards

There are many different types of rewards credit cards, but travel cards are one of the most popular. Travel cards offer a variety of benefits, including points or miles that can be redeemed for travel expenses, discounts on travel-related purchases, and sometimes even free travel insurance.

If you’re a frequent traveler, a travel rewards credit card can be a great way to save money on your next trip. But with so many cards to choose from, it can be tough to decide which one is right for you. Here’s a look at some of the best travel rewards credit cards available today.

The Chase Sapphire Preferred Card is one of the most popular travel rewards credit cards on the market. It offers 2x points on all travel and dining purchases, and 1x points on all other purchases. Points can be redeemed for cash back, gift cards, or travel expenses through Chase Ultimate Rewards. There’s also an annual $95 fee (waived the first year).

The Capital One Venture Rewards Credit Card is another great option for travelers. It offers 2x miles on all purchases, and miles can be redeemed for cash back, gift cards, or travel expenses through Capital One Venture Rewards. There’s no annual fee for this card.

If you’re looking for a card with no annual fee and no foreign transaction fees, the Barclaycard Arrival Plus World Elite Mastercard is a good option. It offers 2x miles on all purchases, and miles can be redeemed for travel expenses or cash back. There’s also a sign-up bonus of 40,000 miles after you spend $3,000 in the first 90 days.

The Citi Prestige Card offers 3x points on all travel and dining purchases, and 1x points on all other purchases. Points can be redeemed for cash back, gift cards, or travel expenses through Citi ThankYou Rewards. There’s also an annual $450 fee for this card.

The Platinum Card from American Express offers 5x points on airfare booked directly with airlines or through American Express Travel, and 1x points on all other purchases. Points can be redeemed for cash back, gift cards, or travel expenses through American Express Membership Rewards. There’s also an annual $550 fee for this card.

Balance transfer cards

If you’re looking to transfer a balance from another card, there are a few things you should look for in a rewards credit card. A low interest rate is important, of course, but you also want to make sure the card doesn’t have an annual fee. And if you can find a card that offers rewards on your everyday spending, that’s even better.

With so many rewards credit cards on the market, it can be hard to know which one is right for you. To help you out, we’ve compiled a list of the best balance transfer credit cards available today.

The Citi® Double Cash Card is our top pick for a balance transfer credit card because it offers an impressive 1% cash back on all purchases, plus an additional 1% cash back when you pay off those purchases. There’s no annual fee and no foreign transaction fees, making this an ideal card for international travel. The only downside is that there is a 3% balance transfer fee, but if you can pay off your balance within 18 months, this shouldn’t be an issue.

If you’re looking for a longer 0% intro APR period, the Chase Slate® Credit Card offers 15 months with no interest on both purchases and balance transfers. There is no annual fee and no balance transfer fee for transfers made within 60 days of opening your account. This makes the Chase Slate® Credit Card a great option if you ’re looking to transfer a balance from a high-interest credit card.

If you have good or excellent credit, you may be able to qualify for the Capital One® VentureOne® Rewards Credit Card. This card offers 20 months with no interest on both purchases and balance transfers, making it a great option if you’re looking to pay off a balance over time. You’ll also earn 1.25 miles per dollar spent on all purchases, and there is no annual fee.

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Best Rewards Credit Cards
Best Rewards Credit Cards

0% APR cards

If you’re looking for a rewards credit card with a great APR, there are a few things to keep in mind. First, make sure you understand how APRs work. APR stands for Annual Percentage Rate, and it’s the interest rate you’ll be charged on your outstanding balance if you don’t pay it off in full each month.

Most rewards credit cards have a higher APR than traditional credit cards. That’s because rewards cards tend to offer more generous rewards programs, which can cost the issuer more money. But just because a rewards card has a higher APR doesn’t mean it’s not worth considering.

There are plenty of rewards credit cards with excellent APRs. For example, the Chase Freedom® Card offers a 0% introductory APR on purchases and balance transfers for the first 15 months (then 16.74% – 25.49% Variable). And the Discover it® Cash Back card offers 0% intro APR on purchases and balance transfers for 14 months (then 13.49% – 24.49% Variable).

When you’re comparing APRs, be sure to look at the fine print to see if there are any special requirements or restrictions. For example, some cards may require you to have excellent credit to qualify for the lowest APR possible. Others may charge a higher APR if you make a late payment or go over your credit limit.

Bottom line: If you’re looking for a great APR on a rewards credit card, there are plenty of options available. Be sure to compare APRs and read the fine print carefully before you apply.

2. Rewards credit cards with great sign-up bonuses

Sign-up bonuses are a great way to earn extra rewards when you first open a new credit card. These bonuses typically require you to spend a certain amount of money within the first few months of opening your account. For example, the Chase Sapphire Preferred® Card offers a 60,000 point sign-up bonus after you spend $4,000 on purchases in the first 3 months from account opening. And the Discover it® Cash Back has a $200 cash back bonus after you spend $1,000 on purchases in the first 3 months from account opening.

When you’re comparing sign-up bonuses, be sure to look at the fine print to see if there are any special requirements or restrictions. For example, some cards may require you to have excellent credit to qualify for the highest bonus possible. Others may charge a higher APR if you make a late payment or go over your credit limit.

Bottom line: If you’re looking for a great sign-up bonus on a rewards credit card, there are plenty of options available. Be sure to compare bonuses and read the fine print carefully before you apply.

3. Rewards credit cards with great rewards programs

Rewards programs are a great way to earn extra rewards on your everyday spending. These programs typically offer bonus points or cash back on specific categories of purchases, such as gas, groceries, or travel. For example, the Chase Freedom® Card offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. And the Discover it® Cash Back offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

When you’re comparing rewards programs, be sure to look at the fine print to see if there are any special requirements or restrictions. For example, some cards may require you to have excellent credit to qualify for the highest rewards rate possible. Others may charge a higher APR if you make a late payment or go over your credit limit.

Bottom line: If you’re looking for a great rewards program on a rewards credit card, there are plenty of options available. Be sure to compare programs and read the fine print carefully before you apply.

Business cards

1. Business cards

There are many business credit cards out there, but which one is the best for you? It depends on what you’re looking for. If you want the most rewards, the best business credit card is the one that gives you the most points or cash back on your purchases. But if you’re looking for a card with low interest rates and no annual fee, then a different card might be better for you.

To help you choose the best business credit card for your needs, we’ve compiled a list of the top business credit cards available today. We’ve also included information on each card’s rewards program, interest rates, and fees so that you can make an informed decision.

Student cards

Student cards are great for people who are looking to build their credit or save on interest rates. There are many different student cards available, so it is important to compare the features and benefits before choosing one.

The best student cards will have low interest rates, no annual fees, and rewards programs that can help you save money on your everyday purchases. Many student cards also offer special perks like cash back on textbooks or discounts on travel.

To find the best student card for your needs, be sure to read the fine print and compare the features of each card before making a decision.

The best card for you

There are a lot of great rewards credit cards out there, but which one is the best for you? It depends on a few factors.

First, what kind of spender are you? If you’re a big spender, you’ll want a card with high rewards. But if you only spend moderately, you may be better off with a card that has lower rewards but no annual fee.

Second, what kind of rewards do you want? Some cards give cash back, while others offer points or miles that can be redeemed for travel. Choose the type of rewards that best fit your spending habits and lifestyle.

Third, consider the other perks and benefits that come with the card. Some cards offer extended warranties on purchases, while others give you access to exclusive events or VIP lounges at airports. Choose the card that offers the benefits that are most valuable to you.

Finally, read the fine print carefully before applying for any credit card. Make sure you understand all the terms and conditions, including the interest rate and any fees associated with the card. By doing your research upfront, you can avoid getting stuck with a card that doesn’t work well for you.

Conclusion

There are a lot of great rewards credit cards out there, but the ones on this list are some of the best. If you’re looking for a card that will give you great rewards, whether it’s cash back, points, or miles, these are some of the best options available.

Be sure to compare different cards and find the one that best suits your needs and spending habits. With any of these cards, you’ll be sure to get some great rewards.

By jonathan

I've never been someone who's afraid of taking risks. I'm always willing to try new things and meet new people, so I started a blog as a way to experiment with my writing skills. It started out small, but it was enough to get me interested in blogging professionally, which led me here.