Best rewards credit cards of 2025

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

See Pay Over Time APR

1x-5x (Points per dollar)

$695

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.

See Pay Over Time APR

1x-4x (Points per dollar)

$325

Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

20.24%-29.24% Variable

1x-3x (Miles per dollar)

$650

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

19.24%, 24.24%, or 29.24% Variable APR

1x-3x (Points per dollar)

$0

35.99%*

1% (cash back)

$0*

29.49% Variable

1% (cash back)

$0

0% for 18 months on Balance Transfers

18.24% - 28.24% (Variable)

2% (cash back)

$0

29.74% (Variable)

1.5%-5% (cash back)

$0

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.24% - 29.24% (Variable)

1%-8% (cash back)

$0

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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

1.5x-3x (Points per dollar)

$0

We’ll automatically match all the cash back you’ve earned on your credit card at the end of your first year. There is no limit to how much we’ll match.We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

0% Intro APR on Purchases and Balance Transfers for 15 months

18.24% - 27.24% Variable APR

1%-5% (cash back)

$0

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

20.24%-29.24% Variable

1x-2x (Miles per dollar)

$0

29.49% Variable

1%-5% (cash back)

$95

28.99% Variable

1% (cash back)

$0

Limited Time Offer: Earn $600 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.

19.24%, 24.24%, or 29.24% Variable APR

2x-3x (Points per dollar)

$99

29.49% Variable

1% (cash back)

$39

19.24% - 29.24% (Variable)

1.5%-5% (cash back)

$0

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

19.24%, 24.24%, or 29.24% Variable APR

1x-3x (Points per dollar)

$0

20,000 Miles once you spend $500 on purchases within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.24% - 29.24% (Variable)

1.25x-5x (Miles per dollar)

$0

Discover will match all the Miles you’ve earned at the end of your first year

0% Intro APR on Purchases and Balance Transfers for 15 months

18.24% - 27.24% Variable APR

1.5x (Miles per dollar)

$0

29.74% (Variable)

1.5%-5% (cash back)

$39

18.24% Variable

1% (cash back)

$39

9.99% - 18% Variable

1x-3x (Points per dollar)

$0

Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.

20.24%-29.24% Variable

2x-6x (Points per dollar)

$650

29.49% Variable

1% (cash back)

$75 First year. $99 thereafter, billed monthly at $8.25

Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express^® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.

20.24%-29.24% Variable

3x-7x (Points per dollar)

$0

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.

20.24%-29.24% Variable

3x-12x (Points per dollar)

$0 intro annual fee for the first year, then $150.

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

19.24%, 24.24%, or 29.24% Variable APR

2% (Cash Rewards)

$0

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

20.24% - 28.74% Variable

1x-3x (Points per dollar)

$550

10.65% - 18% Variable

1.5% (cash back)

$0

19.24% - 29.24% (Variable)

1%-8% (cash back)

$0

35.99%*

1% (cash back)

$75*

20.24% - 28.24% (Variable)

1x-3x (Points per dollar)

N/A

0% on Purchases and Balance Transfers for 15 months

15.49% - 25.49% (Variable)

1% (cash back)

$0

14.24% Variable

1% (cash back)

$49

20.24% - 29.24% (Variable)

2x (Miles per dollar)

$99, waived for first 12 months

75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

19.99% - 29.24% (Variable)

2x-10x (Miles per dollar)

$395

Limited Time Offer: Earn $400 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.

19.24%, 24.24%, or 29.24% Variable APR

1.5x-3x (Points per dollar)

$0

24.64% Variable

10% (cash back)

$35

29.49% Variable

1x-10x (Points per dollar)

$95

Limited Time Offer: Earn $600 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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

2x-3x (Points per dollar)

$99

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

0% on Purchases and Balance Transfers for 12 months

20.24%-29.24% Variable

1%-6% (cash back)

$0 intro annual fee for the first year, then $95.

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

19.99% - 28.24% Variable

1x-5x (Points per dollar)

$95

Limited Time Offer: Earn $400 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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

1.5x-3x (Points per dollar)

$0

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.24% - 29.24% (Variable)

1.5%-5% (cash back)

$0

19.49% - 27.49% (Variable)

1%-5% (cash back)

$0

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

20.24% - 28.24% (Variable)

1x-10x (Points per dollar)

$95

Earn up to 135,000 Marriott Bonvoy^® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.

20.24%-29.24% Variable

2x-6x (Points per dollar)

$250

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

19.99% - 29.24% (Variable)

2x-5x (Miles per dollar)

$95

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 

0% on Purchases and Balance Transfers for 15 months

20.24%-29.24% Variable

1%-3% (cash back)

$0

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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

2x-3x (Points per dollar)

$99

29.74% (Variable)

1%-8% (cash back)

$0

Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

20.24%-29.24% Variable

1x-2x (Miles per dollar)

$0 introductory annual fee for the first year, then $150.

28.24% Variable

1% (cash back)

$0

Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

20.24%-29.24% Variable

1x-3x (Miles per dollar)

$350

0% for 15 months on Balance Transfers

20.24% - 29.24% (Variable)

2x (Miles per dollar)

$0