Best rewards credit cards of 2024

Make the most of your spending with a rewards card. Get matched to credit cards from our partners based on your unique credit profile.^⍉

See your best matches

Earn rewards for your spending

You can get rewards like points, cash back and miles on your purchases.

Travel for less

Save money for your next trip like discounts on flights or hotels.

Maximize your perks

You can pair multiple cards to earn the most rewards.

^⍉Based on FICO^® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.

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All reward credit card offers

57 partner offers

(19 reviews)

AvantCard

Intro bonus:	N/A*
Rewards:	2% (cash back)
Ongoing APR:	29.99%*
Annual Fee:	$0*

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Rates and fees

Need help deciding?When comparing reward credit cards, consider these factors.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they’re approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

You can earn rewards like cash back, points or miles. Look for cards that offer around 2 points or miles (or 2% cash back) on everyday spending. Many rewards cards have special categories such as gas, groceries, dining or travel that earn rewards at a higher rate—3x to 6x. Look for rewards that match up where you spend the most.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

(74 reviews)

AvantCard

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	35.99%*
Annual Fee:	$75*

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Rates and fees

(2 reviews)

Marriott Bonvoy Bevy™ American Express^® Card

Intro bonus:	Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Rewards:	2x-6x (Points per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$250

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Terms Apply

Rates and fees

(253 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-2x (Miles per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$0 introductory annual fee for the first year, then $150.

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Terms Apply

Rates and fees

(690 reviews)

Capital One QuicksilverOne Cash Rewards Credit Card

Intro bonus:	N/A*
Rewards:	1.5%-5% (cash back)
Ongoing APR:	29.99% (Variable)
Annual Fee:	$39

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Rates and fees

(56 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-3x (Miles per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$350

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Terms Apply

Rates and fees

(4 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-3x (Miles per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$650

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Terms Apply

Rates and fees

(25 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 95,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Rewards:	2x-6x (Points per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$650

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Terms Apply

Rates and fees

(1096 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	18.24% - 28.24% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(349 reviews)

Chase Sapphire Preferred^® Card

Intro bonus:	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards^®.
Rewards:	1x-5x (Points per dollar)
Ongoing APR:	21.49% - 28.49% Variable
Annual Fee:	$95

View details

(29 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards:	2x-10x (Miles per dollar)
Ongoing APR:	19.99% - 29.49% (Variable)
Annual Fee:	$395

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Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Rewards:	1.5x-3x (Points per dollar)
Ongoing APR:	19.49%, 24.49%, or 29.49% Variable APR
Annual Fee:	$0

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Rates and fees

(19 reviews)

Costco Anywhere Visa^® Card by Citi

Intro bonus:	N/A*
Rewards:	1%-4% (cash back)
Ongoing APR:	19.49% - 27.49% (Variable)
Annual Fee:	$0

Apply View details

Rates and fees

Blue Cash Preferred^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	18.74%-29.74% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

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Terms Apply

Rates and fees

(120 reviews)

Capital One Quicksilver Secured Cash Rewards Credit Card

Intro bonus:	N/A*
Rewards:	1.5%-5% (cash back)
Ongoing APR:	29.99% (Variable)
Annual Fee:	$0

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Rates and fees

(299 reviews)

Citi Rewards+^® Card

Intro APR:	0% for 15 months on Purchases and Balance Transfers
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	1x-2x (Points per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

GO REWARDS^® Credit Card

Intro bonus:	N/A*
Rewards:	1x-3x (Points per dollar)
Ongoing APR:	9.99% - 18% Variable
Annual Fee:	$0

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Rates and fees

(518 reviews)

Credit One Bank^® Wander^® American Express^® Card

Intro bonus:	N/A
Rewards:	1x-10x (Points per dollar)
Ongoing APR:	29.49% Variable
Annual Fee:	$95

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Terms Apply

Rates and fees

(1234 reviews)

Capital One VentureOne Rewards for Good Credit

Intro bonus:	N/A
Rewards:	1.25x-5x (Miles per dollar)
Ongoing APR:	29.99% (Variable)
Annual Fee:	$0

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Rates and fees

(1088 reviews)

Discover it^® Chrome

Intro APR:	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Ongoing APR:	18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Rates and fees

(352 reviews)

Capital One^® Quicksilver^® Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.49% - 25.49% (Variable)
Rewards:	1% (cash back)
Annual Fee:	$0

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Rates and fees

(1533 reviews)

Capital One VentureOne Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(241 reviews)

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Intro bonus:	Earn 50,000 American Airlines AAdvantage^® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Rewards:	2x (Miles per dollar)
Ongoing APR:	20.24% - 29.24% (Variable)
Annual Fee:	$99, waived for first 12 months

Apply View details

Rates and fees

American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-4x (Points per dollar)
Ongoing APR:	See Pay Over Time APR
Annual Fee:	$325

View details

Terms Apply

Rates and fees

(162 reviews)

Credit One Bank^® NASCAR^® American Express^® Credit Card for Rebuilding Credit

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	29.24% Variable
Annual Fee:	$75 First year. $99 thereafter, billed monthly at $8.25

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Terms Apply

Rates and fees

(2856 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(1096 reviews)

Capital One Savor Cash Rewards for Good Credit

Intro bonus:	N/A
Rewards:	1%-8% (cash back)
Ongoing APR:	29.99% (Variable)
Annual Fee:	$0

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Rates and fees

AvantCard

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	35.99%*
Annual Fee:	$0*

View details

Rates and fees

Capital One Venture X Rewards Credit Card TESTV6

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards:	40x-50x (Miles per dollar)
Ongoing APR:	19.99% - 29.99% (Variable)
Annual Fee:	$395

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Rates and fees

(45 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

(9162 reviews)

Discover it^® Cash Back

Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
Rewards:	1%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(296 reviews)

The Platinum Card^® from American Express

Intro bonus:	Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-5x (Points per dollar)
Ongoing APR:	See Pay Over Time APR
Annual Fee:	$695

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Terms Apply

Rates and fees

(936 reviews)

Wells Fargo Active Cash^® Card

Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	19.49%, 24.49%, or 29.49% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

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Rates and fees

(35 reviews)

AvantCard

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	35.99%*
Annual Fee:	$39*

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Rates and fees

(7 reviews)

AT&T Points Plus^® Card from Citi

Intro bonus:	Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening
Rewards:	1x-3x (Points per dollar)
Ongoing APR:	20.24% - 28.24% (Variable)
Annual Fee:	N/A

Apply View details

Rates and fees

(485 reviews)

American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards:	1x-4x (Points per dollar)
Ongoing APR:	See Pay Over Time APR
Annual Fee:	$325

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Terms Apply

Rates and fees

(78 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards:	3x-12x (Points per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$150

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Terms Apply

Rates and fees

(1798 reviews)

Credit One Bank American Express^® Unlimited Rewards Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	29.49% Variable
Annual Fee:	$0

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Terms Apply

Rates and fees

Blue Cash Preferred^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	18.74%-29.74% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

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Terms Apply

Rates and fees

(1851 reviews)

Blue Cash Everyday^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24%-29.24% Variable
Rewards:	1%-3% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(300 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards:	2x-5x (Miles per dollar)
Ongoing APR:	19.99% - 29.49% (Variable)
Annual Fee:	$95

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Rates and fees

(714 reviews)

Capital One Quicksilver Cash Rewards for Good Credit

Intro bonus:	N/A
Rewards:	1.5%-5% (cash back)
Ongoing APR:	29.99% (Variable)
Annual Fee:	$0

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Rates and fees

(637 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards:	3x-7x (Points per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$0

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Terms Apply

Rates and fees

(27 reviews)

Chase Sapphire Reserve^®

Intro bonus:	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards^®
Rewards:	1x-10x (Points per dollar)
Ongoing APR:	22.49% - 29.49% Variable
Annual Fee:	$550

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(155 reviews)

Platinum Prestige Mastercard^® Secured Credit Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	14.49% Variable
Annual Fee:	$49

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Rates and fees

(183 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Rewards:	1x-2x (Miles per dollar)
Ongoing APR:	19.99%-28.99% Variable
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(32 reviews)

Citi Strata Premier℠ Card

Intro bonus:	For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Rewards:	1x-10x (Points per dollar)
Ongoing APR:	20.24% - 28.24% (Variable)
Annual Fee:	$95

Apply View details

Rates and fees

(50 reviews)

Credit One Bank^® Secured Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	29.24% Variable
Annual Fee:	$0

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Terms Apply

Rates and fees

(2889 reviews)

Capital One Savor Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

(12664 reviews)

Credit One Bank American Express^® Card for Rebuilding Credit

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	29.49% Variable
Annual Fee:	$75 First year. $99 thereafter, billed monthly at $8.25

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Terms Apply

Rates and fees

(34 reviews)

First Latitude Assent Mastercard^® Secured Credit Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	28.49% Variable
Annual Fee:	$0

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Rates and fees

(248 reviews)

Blue Cash Preferred^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	18.24%-29.24% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

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Terms Apply

Rates and fees

(30 reviews)

Platinum Select Mastercard^® Secured Credit Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	18.49% Variable
Annual Fee:	$39

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Rates and fees

(375 reviews)

Discover it^® Miles

Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Rewards:	2x-3x (Points per dollar)
Ongoing APR:	19.49%, 24.49%, or 29.49% Variable APR
Annual Fee:	$99

View details

Rates and fees

(4941 reviews)

Credit One Bank American Express^® Credit Card

Intro bonus:	N/A*
Rewards:	1% (cash back)
Ongoing APR:	29.49% Variable
Annual Fee:	$39

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Terms Apply

Rates and fees

cashRewards Credit Card

Intro bonus:	N/A*
Rewards:	1.5% (cash back)
Ongoing APR:	10.65% - 18% Variable
Annual Fee:	$0

View details

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

^ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best rewards credit card

Figure out which rewards work for you

Decide if you want to earn cash back, points or miles and find the card the fits your spending habits.

Look for intro bonuses

Many rewards credit cards offer an intro bonus when you’re approved.

Be aware of annual fees

Consider annual fees and figure out if the rewards you receive would outweigh the cost of the annual fee.

Pay zero interest

A 0% intro APR could help you pay off debt with a balance transfer or make a large purchase without paying interest.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

^ΘCredit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

Rewards credit cards offer cash back, points or miles when you make eligible purchases. In some cases, you'll also earn rewards through an intro bonus. Most cards will require you to spend a certain amount before you get the bonus rewards. But in some cases, you simply need to make one purchase to qualify. Just make sure you pay off the purchase quickly so you don't end up paying a lot in interest just to get the bonus.

Redeeming rewards can vary from card to card, but generally include these options:

Deposit into your bank account
Statement credit
Travel, like flights and hotel stays
Gift cards
Charitable donations
Merchandise

In general, you need a good to excellent credit score to get a rewards credit card. The exact credit score you need for a rewards credit card varies based on the credit card issuer's requirements. There are rewards cards geared toward applicants with bad credit, fair credit, good credit and excellent credit. The higher your credit score, the better rewards card you'll qualify for, which means you'll benefit from a better rewards program.

The rewards you earn with your credit card generally doesn't expire while your account remains open. However if you close your card, you will likely forfeit any rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it depends on the card issuer's rules and card's terms.

Generally, there is no limit to how many points, miles or cash back you can earn. Although, some cards may limit how much spending is eligible for certain bonus categories. For example, if your rewards credit card receives 5% cash back on dining purchases up to $1,500 a quarter, then you will get 5% back until you spend $1,500 and everything after that will earn rewards at your base rate, which is generally 1%.

Most rewards cards don't allow you to transfer your rewards to someone else. However, you may be able to indirectly gift your credit card rewards. Some rewards programs allow you to convert your rewards into airline miles or hotel points. Afterwards, you can transfer them to someone else.

If you're looking for a way to rack up as much as possible in rewards, here are some tips to help you out:

Earn points fast with welcome bonuses.
Use your card for everything you reasonably can—as long as you can pay off the balance each month.
Get multiple credit cards that complement each other's rewards rates based on your spending habits.
Pay your bills on time and in full every month to avoid interest charges and dings to your credit score.
If you're earning travel rewards, make sure you understand all of your redemption options so you don't leave money on the table.

In addition to cash back, points or miles, many credit cards also offer insurance protection and other credit card benefits that can provide a lot of value. Some of the more basic perks include:

Rental car insurance
Purchase protection
Extended warranty coverage
Travel insurance
Cellphone protection

With some travel cards, you may also get things like:

Global Entry or TSA Precheck application fee credits
Credits for travel purchases
Complimentary airport lounge access
Trip cancellation or interruption insurance
Lost luggage reimbursement and delayed baggage insurance

As you compare cards, look beyond the rewards to ensure you're getting the most value based on how you plan to use your new card.

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Best rewards credit cards of 2024

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57 partner offers

Annual percentage rate (APR)

Intro bonus

Rewards

Annual fee

How to find the best rewards credit card

Figure out which rewards work for you

Look for intro bonuses

Be aware of annual fees

Pay zero interest

Frequently asked questions

How do rewards credit cards work?

How can I redeem credit card rewards?

What credit score do I need to get a rewards credit card?

Do credit card rewards expire?

How many credit card rewards points can I earn?

Can I gift credit card rewards to someone else?

How to maximize credit card rewards

What additional credit card perks do rewards cards offer?

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