Updated on Oct 2, 2017

Best Rewards Credit Cards for 2017

Maximize your rewards with the right rewards card.
By
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The best rewards credit cards aren’t just for world travelers. You could earn high cash back or travel rewards while picking up groceries, shopping online, filling up your gas tank ... the list goes on. Take a look at our list of top picks, find the right card for you, and apply online in a matter of minutes!

Summary

Best rewards credit cards for 2017

  • : Most versatile
  • : Best cash back bonus
  • : Best no intro fee rewards card
  • : Best for families
  • : Best cash back program
  • : Best fixed-value rewards
  • : Great first-year bonus
  • Bank of America® Travel Rewards Credit Card: Best BoA card
  • : Best perks
  • : Honorable mention

The best rewards credit cards for 2017

on Chase's secure website

Most versatile

Rewards Summary 2X points on travel and restaurants worldwide; 1X points on other purchases
Redeem for... Travel, gift cards, statement credits, eDeposit

Signup bonus 50,000 points
Annual Fee $95 (waived first year)
Special offer:

Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.

Perks include
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 25% more value when you book travel through Chase Ultimate Rewards®
  • No blackout dates or travel restrictions
Highlights Provided by Chase Show Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Issuer: Chase
  • Rewards Details: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Sign Up Bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Annual Fee: Introductory Annual Fee of $0 the first year, then $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 23.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

Jetsetters will love the flexibility of the . It earns unlimited points on travel and dining worldwide, and there’s no foreign transaction fee. Points are redeemable for options including discounted travel via Chase Ultimate Rewards®, and they’re transferrable to 11 top travel loyalty programs at a 1:1 ratio.

How to use it
  • Focus your spending on dining and travel purchases across the globe to earn 2X points per dollar — the earnings are unlimited, and there’s no foreign transaction fee. Use it for everything else to earn 1X point per dollar.
  • Get 50,000 bonus points (worth $625 toward travel when you redeem via Chase Ultimate Rewards®) once you spend $4,000 in purchases in the first three months of opening your account.
  • Transfer your points to 11 different top travel loyalty programs at a 1:1 ratio.
Consider this

The has versatile redemption options, but you’ll need to focus your spending on travel and dining purchases to earn the maximum points. If you want a card with a more open-ended way to earn points, the offers unlimited 2X points on every purchase.

Why you'll love it

The is our pick for the most versatile credit card rewards because it earns points on a wide range of travel options that aren’t usually included with travel cards and it has some of the most flexible redemption options available. You’ll also love the signup bonus: 50,000 bonus points (worth $625 toward travel via Chase Ultimate Rewards®) if you spend $4,000 on purchases within the first three months.

on Discover's secure website

Best cash back bonus

Rewards Summary 5% cash back at Amazon.com and Target; 1% on all other purchases
Redeem for... Statement credits, eDeposits, gift cards, charitable donations

Signup bonus First year Cashback Match™
Annual Fee $0
Perks include
  • 0% intro APR on purchases and balance transfers for 14 months
  • Dollar-for-dollar Cashback Match™ at the end of your first year
  • Free FICO® Credit Score
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Issuer: Discover
  • Rewards Details: 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate.. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Looking for a card with no annual fee and an impressive first-year bonus? With the , you’ll get automatic match of all the cash back you earn in your first year, effectively doubling your rewards potential.

How to use it
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get a dollar-for-dollar match of all your first-year cash back earnings thanks to Discover’s Cashback Match™ program. (If you earn $150 cash back, you’ll get $300.)
  • Utilize the 14-month 0% intro APR to pay off purchases and balances transfers without accruing interest.
Consider this

If you don’t want to wait for a year-end bonus, the offers an opportunity to earn a 40,000-point signup bonus after you spend $3,000 in purchases in your first three months. You can redeem the bonus for a $400 travel statement credit.

Why you'll love it

True to its name, the card will match your cash back earned at the end of your first year dollar for dollar, automatically. Another cool perk: You can use your cash back for part or all of Amazon.com purchases (redeem instantly at checkout).

on Capital One's secure website

Best no intro fee rewards card

Rewards Summary Unlimited 2X miles per dollar
Redeem for... Travel statement credit; travel booked through CapitalOne.com; gift cards; and more

Signup bonus 40,000 miles
Annual Fee $0 intro for first year; $59 after that
Perks include
  • Complimentary concierge service
  • $0 foreign transaction fees
  • Extended warranty protection for purchases
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 40000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $59 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.99% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.99% - 23.99% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The is a great choice if your goal is to earn credit card rewards you can redeem for a free or low-cost trip for yourself or your family. Every eligible purchase you make earns 2X miles per dollar that you can use to book all sorts of travel and vacation packages through CapitalOne.com.

How to use it
  • Earn unlimited 2X miles per dollar on all purchases.
  • Spend $3,000 on purchases in the first three months to get 40,000 bonus miles.
  • Redeem your miles via the Capital One Rewards Center for travel, account credits, gift cards, and more.
Consider this

This card has a relatively low annual fee, but if you don’t want a fee at all, consider the . It has a slightly lower earning rate (1.5X miles per dollar), but otherwise it’s a comparable travel card: unlimited rewards on all purchases, no foreign transaction fees, and flexible redemption options. You also get a mile-for-mile match of the cash back you’ve earned at the end of your first year.

Why you'll love it

No matter how you use your , you’ll earn unlimited miles that you can redeem for a variety of travel rewards. And no matter where you go, you won’t be hit with a foreign transaction fee. Plus, it has a reasonable annual fee ($59) that’s waived for your first year.

on Chase's secure website

Best cash back program

Rewards Summary 5% cash back in bonus categories (up to $1,500 in combined purchases); unlimited 1% cash back on other purchases (Terms apply)
Redeem for... Cash back

Signup bonus $150
Annual Fee $0
Perks include
  • 0% intro APR on purchases & balance transfers for 15 months
  • Extended warranty & purchase protection
Highlights Provided by Chase Show Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • Issuer: Chase
  • Rewards Details: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
  • Sign Up Bonus: Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 15.99% - 24.74% Variable
  • Penalty APR: None

Our two cents

Who should get it

The is an excellent rewards credit card for all types of shoppers because it earns high cash back on everyday spending. It also has one of the most easy-to-earn signup bonuses on the market: spend $500 within the first three months to get a $150 bonus. Holders of the can benefit by pairing their card with the too, because points are transferrable between cards.

How to use it
  • Earn 5% cash back in rotating bonus categories on up to $1,500, plus unlimited 1% cash back on everything else. (Previous bonus categories have included gas stations, restaurants, local commuter transportation, and drugstores.)
  • Spend over $500 on purchases within the first three months of opening your account to snag a 15,000 bonus points that can be redeemed for $150 cash back.
  • Pay attention to the bonus categories — you’ll need to activate them each month in order to earn 5% cash back.
  • Get an extra $25 bonus after adding your first authorized user and making your first purchase within the first three months.
Consider this

The is a great choice for casual spenders because it offers 5% cash back, but 5% earnings are capped at $1,500 every quarter. (After that, it drops to 1%.) The may offer a lower earning rate (2% at grocery stores and wholesale clubs and 3% at gas stations for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter), but you won’t have to keep track of rotating categories and its combined quarterly maximums for bonus categories are $1,000 higher than the .

Why you'll love it

The earns some of the highest credit card rewards in the industry — as long as you keep up with the rotating categories. It doesn’t have an annual fee, and you’ll get a 15-month 0% intro APR for purchases and balance transfers. Plus, it’s one of the only cash back cards that lets you redeem for travel (via Chase Ultimate Rewards®).

on American Express's secure website

Best for families

See Rates & Fees
Rewards Summary 6% cash back at U.S. supermarkets (up to $6,000, then 1%)
Redeem for... Reward Dollars (redeemed as a statement credit)

Signup bonus $200
Annual Fee $95
Highlights Provided by American Express Show Highlights
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • Annual Fee: $95
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 13.99% - 24.99% Variable
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Not interested in travel? Consider the to maximize points on common purchases like groceries and gasoline. With this card, you’ll earn 6% cash back at U.S. supermarkets (for the first $6,000, then 1%) and 3% cash back at U.S. gas stations and select U.S. department stores.

How to use it
  • Use this card at U.S. supermarkets, U.S. gas stations, and select U.S. department stores (including J.C Penney, Nordstrom, and Sears) to earn substantial cash back.
  • Earn a $200 statement credit when you spend $1,000 in purchases within the first three months of opening your account.
  • Redeem your cash back as a statement credit that you can use to pay down your card balance.
Consider this

A possible sticking point with the is its $95 annual fee. If you’d prefer an American Express rewards credit card with no annual fee, consider the . It has a $0 annual fee — though the earning rates for groceries and gas are more modest.

Why you'll love it

The is the among the best rewards cards for those who prefer to earn points on everyday purchases. It boasts a high earning rate on categories that are popular with frugal spenders and families — plus unlimited 1% cash back on all other purchases.

on Barclaycard's secure website

Best fixed-value rewards

Rewards Summary 2X miles on all purchases
Redeem for... Travel or cash back statement credits, gift cards, and merchandise

Signup bonus 40,000 miles
Annual Fee $89 - Waived first year
Perks include
  • 0% intro APR on balance transfers for 12 months (made within 45 days of account opening)
  • 5% miles back upon redemption
  • No foreign transaction fees
  • Access to the World Elite Mastercard platform
Highlights Provided by Barclaycard Show Highlights
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.
  • Issuer: Barclaycard
  • Rewards Details: Earn 2X miles on all purchases
  • Annual Fee: $89 - Waived first year
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 0% of each transaction in U.S. dollars
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months (on balance transfers made within 45 days of account opening)
  • Ongoing APR: 16.99%, 20.99% or 23.99% Variable

Our two cents

Who should get it

Consider the if you’re looking for a simple, flat-rate travel rewards credit card. Plus, you get 5% miles back every time you redeem. It’s also a great pick if you have an outstanding balance on another card thanks to its 12-month 0% intro APR on balance transfers made within 45 days of account opening.

How to use it
  • Use this card as much as possible — if you spend $3,000 in the first 90 days you’ll earn a 40,000-mile bonus.
  • Earn unlimited 2X miles per dollar on all purchases. There aren’t any rotating categories or earning caps to worry about.
  • Take advantage of a flexible variety of redemption options, including travel, cash back, and statement credits.
  • Enjoy high-end benefits on the World Elite Mastercard platform like upgrades and discounts with certain airlines.
Consider this

If you want a larger, more flexible signup bonus, consider the . As long as you can afford spending $4,000 on purchases in the first three months, you’ll get 50,000 bonus points that are worth $625 toward travel purchases when redeemed via Chase Ultimate Rewards® — or you can opt for $500 cash back.

Why you'll love it

The offers cardholders 2X miles on every purchase, every day. Plus, each time you redeem your points, you’ll get 5% miles back. With redemption options from travel to gift cards, you can use your points as you like.

on Discover's secure website

Great first-year bonus

Rewards Summary Unlimited 1.5x miles on every purchase
Redeem for... Statement credits towards travel purchases

Signup bonus Mile-for-mile match
Annual Fee $0
Perks include
  • 0% intro APR on purchases for 14 months
  • Free FICO® Credit Scores on monthly statements and online
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
  • Issuer: Discover
  • Rewards Details: 1.5 Miles per dollar on all purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 10.99%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

The offers some of the best credit card rewards if you want to redeem for statement credits toward travel purchases, all with no annual fee. This card also makes sense if you’re about to make a large purchase, thanks to its mile-for-mile match at the end of your first year.

How to use it
  • This is a great all-purpose card because it earns unlimited 1.5X miles per dollar on every purchase.
  • Discover will match your first-year earnings mile-for-mile, so use this card as much as possible to maximize your reward — and there’s no limit to how much you can earn.
  • You can redeem your miles as a statement credit to cover travel purchases such as airline tickets, hotel rooms, and car rentals.
  • Keep tabs on your FICO® credit score online for free with your Discover account.
Consider this

The flat rewards structure makes it simple to earn unlimited miles on every purchase you make. But if your spending follows certain patterns, you could earn more faster with a rewards credit card that offers more than 1.5X miles per dollar. We recommend the for 3X points on travel — or the for 5% cash back in bonus categories.

Why you'll love it

The earns a flat, unlimited 1.5X miles on everyday purchases — all with no annual fee, foreign transaction fees, or blackout dates when booking travel. You can go where you want, whenever you want. The choice is yours.

Best BoA card

Bank of America® Travel Rewards Credit Card
Rewards Summary Unlimited 1.5 points per $1 spent on all purchases
Redeem for... Travel statement credit

Signup bonus 20,000 online bonus points
Annual Fee $0.00
Perks include
  • Intro APR on purchases
  • 10% points bonus for Bank of America® customers
  • 25% - 75% points bonus for Preferred Rewards clients
Highlights Provided by Bank of America Show Highlights
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Issuer: Bank of America
  • Rewards Details: 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account. 1.5 points on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • Annual Fee: $0.00
  • Balance Transfer Fee: 3% of the amount of each transaction or $10, whichever is greater.
  • Cash Advance APR: See Terms
  • Foreign Transaction Fee: None
  • Introductory APR: 0% Introductory APR on purchases
  • Introductory APR Period: 12 billing cycles
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 15.99% - 23.99% Variable APR on purchases and balance transfers
  • Penalty APR: up to 29.99% APR

Our two cents

Who should get it

Consider the Bank of America® Travel Rewards Credit Card if flexible travel redemption is a priority, and/or you’re a current Bank of America® customer. With this card, you’ll earn unlimited 1.5X points on every purchase. And since points are redeemable for a travel statement credit, you can book how and where you like — even on discount travel sites, which can make your points stretch even further.

How to use it
  • Earn unlimited 1.5X points per dollar on everything.
  • Spend $1,000 in your first 90 days to earn the 20,000-point signup bonus that’s worth a $200 statement credit toward travel.
  • Redeem points for statement credits to pay for flights, hotels, baggage fees, and a variety of travel expenses you don’t normally see on travel cards, including zoos and aquariums.
  • Traveling overseas? Bring this card — there’s no foreign transaction fee.
Consider this

The is a great alternative for travelers who want to earn credit card rewards at a higher rate: It earns 2X miles per dollar spent on purchases compared to the Bank of America® Travel Rewards Credit Card’s 1.5X points per dollar on all purchases.

Why you'll love it

If you’re a Bank of America® customer or a Preferred Rewards client, you’ll receive a customer points bonus that will maximize your earning potential. And because points are redeemable as travel statement credits, you have great flexibility in how your book your travel. On top of that, the Bank of America® Travel Rewards Credit Card has no annual fee.

Start your application now
on American Express's secure website

Best perks

See Rates & Fees
Rewards Summary 3X points for flights; 2X points at U.S. restaurants, U.S. gas stations & U.S. supermarkets; 1X points on other purchases (Terms apply)
Redeem for... Travel, gift cards, merchandise, or entertainment through the Membership Rewards® program

Signup bonus 25,000 Membership Rewards® Points
Annual Fee $195 (Waived first year)
Perks include
  • $100 airline fee credit
  • $75 credit on qualifying hotel charges
  • Point transfer to select frequent traveler programs
Highlights Provided by American Express Show Highlights
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • Sign Up Bonus: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • Annual Fee:
  • Balance Transfer Fee: N/A*
  • Cash Advance APR: N/A
  • Introductory APR:
  • Introductory Balance Transfer APR: N/A*
  • Introductory Balance Transfer Period: N/A*
  • Ongoing APR: N/A
  • Penalty APR: N/A

Our two cents

Who should get it

If you hit 30,000 feet several times a month, you should consider the . It’s an upper-end travel rewards credit card that earns points for direct-booked flights and purchases at U.S. gas stations, U.S. restaurants, and U.S. supermarkets — all with a relatively low annual fee. And it comes with a few nice travel perks too, including a $100 airline fee credit.

How to use it
  • Use this card to buy airfare directly from airlines (3X points per dollar) and at U.S. restaurants, U.S. gas stations, and U.S. supermarkets (2X points per dollar). All other purchases earn 1 Membership Rewards® point per dollar.
  • Spend $2,000 within the first three months to earn 25,000 Membership Rewards® Points. (That’s a relatively low spending requirement for a luxury travel card.)
  • Book nights through The Hotel Collection with this card and, when available, you’ll get a complimentary room upgrade when you arrive.
  • Enjoy double Membership Rewards® points on eligible properties in The Hotel Collection. Book two consecutive nights and you’ll get a $75 credit to spend on qualifying dining, spa, and resort activities.
Consider this

If you frequently travel internationally, the is probably a better option. It earns unlimited 2X points on travel and dining worldwide, with no foreign transaction fee.

Why you'll love it

The is a high-rate travel card that also earns points for purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets. But it’s really the outstanding travel perks, including a $100 airline fee credit, that sets this rewards credit card apart.

on Capital One's secure website

Honorable mention

Rewards Summary Unlimited 1.25 miles per dollar on every purchase
Redeem for... Travel, gift cards, and more

Signup bonus 20,000 miles
Annual Fee $0
Perks include
  • Complimentary concierge service
  • $0 foreign transaction fees
  • Extended warranty protection for purchases
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Issuer: Capital One
  • Rewards Details: 1.25 Miles per dollar on every purchase, every day. 20000 Miles once you spend $1,000 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.99% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 12 Months
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 12.99% - 22.99% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The is among the best credit cards for earning unlimited miles (1.25X miles per dollar) on all purchases without an annual fee. It’s also great for casual rewards credit card users who want a variety of travel redemption options, including travel statement credits (which allow you to cover certain travel expenditures that other cards won’t, like ferries and auto rentals).

How to use it
  • Use this card for all types of purchases to earn unlimited 1.25X miles per dollar.
  • Earn 20,000 bonus miles when you spend $1,000 in the first three months.
  • Take advantage of the 12-month 0% intro APR and pay off larger purchases without racking up any interest.
Consider this

If you’re willing to pay a small annual fee, you could earn higher-rate rewards with another card. The is very similar to this card, with the exception of a higher earning rate (unlimited 2X miles per dollar) and a signup bonus that’s worth twice as much. Its annual fee is just $59 after your first year. If you take its larger signup bonus into account ($400 vs. $200), the extra bonus miles will cover your annual fee for three years.

Why you'll love it

For no-fuss rewards on everything you buy, the is a sensible, affordable choice. Unlimited 1.25 miles per dollar offer decent earning potential, with plenty of flexibility at redemption. Since you can redeem miles for a travel statement credit, you can fly any airline and stay at any hotel, anytime, without taking blackout dates into account.

Best rewards credit cards for 2017: summed up

Recommended Card Best For...
Most Versatile
Cash Back Bonus
No Intro Fee Rewards Card
Families
Cash Back Program
Fixed-Value Rewards
Great First-Year Bonus
Bank of America® Travel Rewards Credit Card Boa Card Learn More
Perks
Honorable Mention

What is the best rewards credit card for me?

The best rewards cards aren’t one-size-fits-all. With the proper consideration, you can score a card that will help you achieve your financial goals and earn some cool rewards in the process.

Step 1: Analyze your spending.

Since these cards work based upon where and how you spend your money, the first thing that you should do is review your spending habits. Travel, dining, and gas are three super common earning categories, so focus on those first.

Great budgets make this part really easy. Just remember that it’s important to get a roundabout average of your monthly expenses in common categories so you can evaluate which card will benefit you the most.

Step 2: Choose your rewards type.

Once you have a good idea how you’re going to earn points and miles, it’s time to consider how you want to spend them. Rewards generally come in two main flavors: travel and cash back. With travel, we’re talking about anything from points that can be redeemed for a wide range of options around the world to miles that can only be redeemed for airfare at a handful of airlines.

Cash back options are also pretty varied. Some cards, earn cash back and gift cards that you can spend at certain online retailers. There are even cards for those who want the best of both worlds.

When you’ve decided what type of rewards you prefer, work backward and focus your research on cards that align with your spending habits. Then all that’s left is to start earning points and miles!

The golden rule: Don’t carry a monthly balance on your credit card.

If you can commit to paying your balance off in full every month, the only two things you have to worry about are the signup bonus and redemption options. Take standard APR, for example. If you don’t carry a monthly balance on your card, what does it matter that your APR is 18%?

Redeeming points is just as important as earning them.

One of the key benefits of a great rewards card is being able to redeem points the way you want to. Your points don’t do you any good if you can’t use them. This applies across the board for different types of cards. Some airline cards and hotel credit cards are able to offer you a higher earning potential for purchases with their brand.

How to save more money by maximizing points and miles

There isn’t a one-size-fits-all card that delivers superior points or miles on every conceivable spending category and has the most flexible point redemption options.

Pro Tip


Experts recommend that you should keep your credit utilization ratio under 30%. Otherwise, it’s difficult to maintain an above-average credit score.

Owning two or three cards is the right number to get the most points or miles and still keep the cards active (assuming you’re paying off the balances). You’ll be able to take advantage of the bonuses and ongoing rewards without major limitations.

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