Best rewards credit cards of 2026

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.

Browse categories

Cash back Rewards For bad credit For fair credit Balance transfer Secured Low interest Student Travel 0% intro APR No annual fee Intro bonus No foreign transaction fee Airline Hotel Gas For building credit For no credit

All reward credit card offers

Select state

Select credit score^Θ

Select issuer

60 partner offers

(1602 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	17.49% - 27.49% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

Apply View details

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.

(2177 reviews)

Blue Cash Everyday^® Card from American Express

Intro bonus:	As High As $200 Cash Back. Find Out Your Offer.
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1% - 3% (cash back)
Annual Fee:	$0

View details

Rates and fees

Terms Apply

(2974 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.49% - 28.49% (Variable)
Rewards:	1.5% - 5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1174 reviews)

Discover it^® Chrome

Intro bonus:	Cashback Match™
Intro APR:	0% intro APR for 6 Months on Purchases and 0% intro APR for 18 Months on Balance Transfers
Ongoing APR:	17.49% - 26.49% Variable APR
Rewards:	1% - 2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(427 reviews)

American Express Platinum Card^®

Intro bonus:	As high as 175,000 points. Find out your offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x - 5x (Points per dollar)
Annual Fee:	$895

View details

Rates and fees

Terms Apply

(156 reviews)

Capital One Quicksilver Secured Cash Rewards Credit Card

Ongoing APR:	28.99% (Variable)
Rewards:	1.5% - 5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(997 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	$200
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	18.49%, 24.49%, or 28.49% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

View details

Rates and fees

(9264 reviews)

Discover it^® Cash Back

Intro bonus:	Cashback Match™
Intro APR:	0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:	17.49% - 26.49% Variable APR
Rewards:	1% - 5% (cash back)
Annual Fee:	$0

View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	29.99%*
Rewards:	2% (cash back)
Annual Fee:	$0*

View details

Rates and fees

(430 reviews)

The opensky^® Secured Visa^® Credit Card

Ongoing APR:	23.89% Variable
Rewards:	10% (cash back)
Annual Fee:	$35

View details

Rates and fees

(13588 reviews)

Credit One Bank American Express^® Card for Rebuilding Credit

Ongoing APR:	29.74% Variable
Rewards:	1% (cash back)
Annual Fee:	$75 First year. $99 thereafter, billed monthly at $8.25

View details

Rates and fees

Terms Apply

(364 reviews)

Blue Cash Preferred^® Card from American Express

Intro bonus:	As High As $300 Cash Back. Find Out Your Offer.
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1% - 6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

View details

Rates and fees

Terms Apply

(115 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

(69 reviews)

Credit One Bank^® Secured Card

Ongoing APR:	29.74% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Rates and fees

Terms Apply

(3003 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	18.49% - 28.49% (Variable)
Rewards:	1% - 8% (cash back)
Annual Fee:	$0

View details

Rates and fees

(44 reviews)

Citi Strata Premier^® Card

Intro bonus:	60,000 Points
Ongoing APR:	19.49% - 27.49% (Variable)
Rewards:	1x - 10x (Points per dollar)
Annual Fee:	$95

Apply View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$0*

View details

Rates and fees

(44 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles
Ongoing APR:	19.49% - 28.49% (Variable)
Rewards:	2x - 10x (Miles per dollar)
Annual Fee:	$395

View details

Rates and fees

(51 reviews)

Costco Anywhere Visa^® Card by Citi

Ongoing APR:	18.74% - 26.74% (Variable)
Rewards:	1% - 5% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(632 reviews)

American Express^® Gold Card

Intro bonus:	As high as 100,000 points. Find out your offer.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x - 4x (Points per dollar)
Annual Fee:	$325

View details

Rates and fees

Terms Apply

(1658 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.49% - 28.49% (Variable)
Rewards:	1.25x - 5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

(87 reviews)

First Latitude Secured Mastercard^® Cash Back Rewards

Ongoing APR:	27.49% Variable
Rewards:	1% - 10% (cash back)
Annual Fee:	$0

View details

Rates and fees

(31 reviews)

Capital One Savor Student Cash Rewards Credit Card

Intro bonus:	$50
Ongoing APR:	18.49% - 28.49% (Variable)
Rewards:	1% - 8% (cash back)
Annual Fee:	$0

View details

Rates and fees

(287 reviews)

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

Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$99, waived for first 12 months

Apply View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$75*

View details

Rates and fees

(7 reviews)

Citi^® / AAdvantage^® Globe™ Mastercard^®

Ongoing APR:	19.49% - 29.49% (Variable)
Rewards:	1x - 6x (Miles per dollar)
Annual Fee:	$350

Apply View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	Introductory fee of $75 for the first year. After that, $99 annually.*

View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$39*

View details

Rates and fees

(2506 reviews)

Credit One Bank^® Platinum X5 Visa^® Metal Card

Ongoing APR:	29.74% Variable
Rewards:	1% - 5% (cash back)
Annual Fee:	$95

View details

Rates and fees

Terms Apply

(158 reviews)

First Progress Prestige Secured Mastercard^® Cash Back Rewards

Ongoing APR:	13.49% Variable
Rewards:	1% - 10% (cash back)
Annual Fee:	$49

View details

Rates and fees

(13 reviews)

Capital One Quicksilver Student Cash Rewards Credit Card

Intro bonus:	$50
Ongoing APR:	18.49% - 28.49% (Variable)
Rewards:	1.5% - 5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(33 reviews)

First Progress Select Secured Mastercard^® Cash Back Rewards

Ongoing APR:	17.49% Variable
Rewards:	1% - 10% (cash back)
Annual Fee:	$39

View details

Rates and fees

Capital One SavorOne Cash Rewards Credit Card

Ongoing APR:	28.99% (Variable)
Rewards:	1% - 8% (cash back)
Annual Fee:	$39

View details

Rates and fees

(851 reviews)

Capital One QuicksilverOne Cash Rewards Credit Card

Ongoing APR:	28.99% (Variable)
Rewards:	1.5% - 5% (cash back)
Annual Fee:	$39

View details

Rates and fees

(1479 reviews)

Capital One Savor Cash Rewards for Good Credit

Ongoing APR:	28.99% (Variable)
Rewards:	1% - 8% (cash back)
Annual Fee:	$0

View details

Rates and fees

(372 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles + $250 travel credit
Ongoing APR:	19.49% - 28.49% (Variable)
Rewards:	2x - 5x (Miles per dollar)
Annual Fee:	$95

View details

Rates and fees

(5368 reviews)

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

Ongoing APR:	29.74% Variable
Rewards:	1% (cash back)
Annual Fee:	$39

View details

Rates and fees

Terms Apply

(646 reviews)

Credit One Bank^® Wander^® American Express^® with Dining, Gas & Travel Rewards

Ongoing APR:	29.74% Variable
Rewards:	1% - 10% (cash back)
Annual Fee:	$95

View details

Rates and fees

Terms Apply

(697 reviews)

Hilton Honors American Express Card

Intro bonus:	70,000 Points
Ongoing APR:	19.49%-28.49% Variable
Rewards:	3x - 7x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

Terms Apply

(816 reviews)

Capital One Quicksilver Cash Rewards for Good Credit

Ongoing APR:	28.99% (Variable)
Rewards:	1.5% - 5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(33 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	200,000 Points
Ongoing APR:	19.49%-28.49% Variable
Rewards:	2x - 6x (Points per dollar)
Annual Fee:	$650

View details

Rates and fees

Terms Apply

(378 reviews)

Discover it^® Miles

Intro bonus:	Discover Match^®
Intro APR:	0% intro APR for 15 months on Purchases and Balance Transfers
Ongoing APR:	17.49% - 26.49% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

(1466 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	28.99% (Variable)
Rewards:	1.25x - 5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

(13 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	100,000 Miles
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1x - 3x (Miles per dollar)
Annual Fee:	$650

View details

Rates and fees

Terms Apply

(287 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	70,000 Miles
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1x - 2x (Miles per dollar)
Annual Fee:	$0 introductory annual fee for the first year, then $150.

View details

Rates and fees

Terms Apply

(2030 reviews)

Credit One Bank^® Premier American Express^® Unlimited Rewards Card

Ongoing APR:	29.74% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Rates and fees

Terms Apply

(69 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	80,000 Miles
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1x - 3x (Miles per dollar)
Annual Fee:	$350

View details

Rates and fees

Terms Apply

(89 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	130,000 Points
Ongoing APR:	19.49%-28.49% Variable
Rewards:	3x - 12x (Points per dollar)
Annual Fee:	$150

View details

Rates and fees

Terms Apply

(225 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	10,000 Miles
Ongoing APR:	19.49%-28.49% Variable
Rewards:	1x - 2x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

Terms Apply

(8 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	175,000 Points
Ongoing APR:	19.49%-28.49% Variable
Rewards:	2x - 6x (Points per dollar)
Annual Fee:	$250

View details

Rates and fees

Terms Apply

(8 reviews)

One Key™ Card

Intro bonus:	$300
Ongoing APR:	18.49%, 23.49%, or 28.49% Variable APR
Rewards:	1.5x - 3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

(4 reviews)

One Key+™ Card

Intro bonus:	$350
Ongoing APR:	18.49%, 23.49%, or 28.49% Variable APR
Rewards:	2x - 3x (Points per dollar)
Annual Fee:	$99

View details

Rates and fees

cashRewards Credit Card

Ongoing APR:	10.65% - 18% Variable
Rewards:	1.5% (cash back)
Annual Fee:	$0

View details

Rates and fees

GO REWARDS^® Credit Card

Ongoing APR:	9.99% - 18% Variable
Rewards:	1x - 3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

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:	1-10% (cash back)
Annual Fee:	$0

View details

Rates and fees

One Key™ Card

Intro bonus:	$400
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x - 3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

One Key+™ Card

Intro bonus:	$600
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x - 3x (Points per dollar)
Annual Fee:	$99

View details

Rates and fees

Avant^® Cashback Rewards Mastercard^® - With A Higher Credit Limit

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$125*

View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$0*

View details

Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$75*

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 that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. 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.

Credit 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

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.

Credit support

Credit advice

Identity Theft support

Identity Theft Advice

Money advice

Credit Card advice

Loan types

Loan advice

Auto Insurance Advice

Best rewards credit cards of 2026

Browse categories

All reward credit card offers

60 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?

Learn more about credit cards