Best rewards credit cards of September 2024
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- Capital One Venture Rewards Credit Card: Best for travel bonus
- Chase Sapphire Preferred® Card: Best starter travel card
- Citi Strata Premier℠ Card: Best for hotel bookings
- American Express® Gold Card: Best for food and travel
- Wells Fargo Active Cash® Card: Best for flat-rate cash rewards
- Capital One VentureOne Rewards Credit Card: Best no-annual-fee travel card
- Capital One SavorOne Cash Rewards Credit Card: Best overall
- The Platinum Card® from American Express: Best for luxury travel
- Wells Fargo Autograph Journey℠ Card: Best for easy-to-earn credits
- Capital One Venture X Rewards Credit Card: Best for affordable travel perks
- Chase Freedom Unlimited®: Best for everyday spending
- Discover it® Cash Back: Best for category variety
- Capital One Quicksilver Cash Rewards Credit Card: Best starter rewards card
- Chase Sapphire Reserve®: Best rewards value
- Blue Cash Preferred® Card from American Express: Best for groceries
- Citi Custom Cash® Card: Best for gas
- Wells Fargo Autograph℠ Card: Best for everyday travel
- Bank of America® Premium Rewards® credit card: Best for savers
- Bilt Mastercard®: Best for paying rent
- American Express® Business Gold Card: Best for small-business owners
- Prime Visa: Best for online shopping
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Showing 21 results
Limited Time Offer
Intro offer
Earn 75,000 + $250 in Travel Credit
Rewards rate
2 Miles - 5 Miles
Annual fee
$95
Regular APR
19.99% - 29.99% (Variable)
Why you'll like this: It boasts solid short- and long-term value with its flat rewards rate and new welcome offer, which offers a terrific return on spend.
Intro offer
60,000 bonus points
Rewards rate
1x - 5x
Annual fee
$95
Regular APR
21.49% - 28.49% Variable
Why you'll like this: It boasts terrific rewards value with its annual bonus points, practical bonus categories, high-value points and redemption flexibility.
Intro offer
70,000 bonus points
Rewards rate
1X - 10X
Annual fee
$95
Regular APR
21.24% - 29.24% (Variable)
Why you'll like this: It has a valuable welcome offer and an annual hotel credit that can easily offset its annual fee.
Intro offer
60,000 points + earn up to $100 back
Rewards rate
1X - 4X
Annual fee
$325
APR
See Pay Over Time APR
Why you'll like this: Along with its terrific perks for foodies, it offers valuable rewards on everyday spending.
Intro offer
$200 cash rewards
Rewards rate
2%
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Best no-annual-fee travel card
Intro offer
20,000 miles
Rewards rate
1.25 Miles - 5 Miles
Annual fee
$0
Regular APR
19.99% - 29.99% (Variable)
Why you'll like this: Earning travel rewards is simple and low risk thanks to its solid flat rewards rate and $0 annual fee.
Intro offer
$200
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.99% - 29.99% (Variable)
Why you'll like this: Its boosted cash back rate in popular spending categories makes it a great standalone option.
Intro offer
Earn 80,000 points
Rewards rate
5X - 5X
Annual fee
$695
APR
See Pay Over Time APR
Why you'll like this: It’s perfect for luxury-minded travelers who spare no expense when booking airfare or hotels and want the most with every experience.
Intro offer
60,000 bonus points
Rewards rate
1X - 5X
Annual fee
$95
Regular APR
21.24%, 26.24%, or 29.99% Variable APR
Best for affordable travel perks
Intro offer
75,000 miles
Rewards rate
2 Miles - 10 Miles
Annual fee
$395
Regular APR
19.99% - 29.99% (Variable)
Why you'll like this: You’ll get access to a handful of the most useful and valuable travel perks out there without breaking the bank.
Intro offer
Up to $300 cash back
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
20.49% - 29.24% Variable
Why you'll like this: Its solid base rewards rate and boosted rates in practical categories make it a great pick for everyday spending.
Intro offer
Cashback Match
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 28.24% Variable APR
Why you'll like this: It offers the best rewards rate you can get in several popular categories over the course of the year.
Best starter rewards card
Intro offer
$200
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
19.99% - 29.99% (Variable)
Why you'll like this: The streamlined rewards program and flat cash back rate make it an easy-to-maximize option for beginners.
Intro offer
60,000 bonus points
Rewards rate
1x - 10x
Annual fee
$550
Regular APR
22.49% - 29.49% Variable
Why you'll like this: Your points are worth 50 percent more if you redeem for Chase travel — the best value you’ll get on a general travel card without transferring.
Intro offer
Earn $250
Rewards rate
1% - 6%
Annual fee
$0 intro annual fee for the first year, then $95.
APR
19.24% - 29.99% Variable
Why you'll like this: It boasts the highest cash back rate available at U.S. supermarkets.
Intro offer
$200
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: It offers a top cash back rate in several everyday categories and is flexible enough to fit with nearly any rewards strategy.
Intro offer
20,000 bonus points
Rewards rate
1X - 3X
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Intro offer
60,000 points
Rewards rate
1.5X - 2X
Annual fee
$95
Regular APR
21.24% - 29.24% Variable APR on purchases and balance transfers
Why you'll like this: This travel card may easily offset its annual fee with an annual airline incidental credit that can cover fees for checked bags, flight changes and more.
Intro offer
N/A
Rewards rate
1X Points - 3X Points
Annual fee
None
Regular APR
See Terms
Intro offer
Earn 100,000 points
Rewards rate
1X - 4X
Annual fee
$375
Regular APR
19.49% - 28.49% Variable
Why you'll like this: It earns valuable travel rewards in several popular business spending categories, making it easy to maximize.
Intro offer
Get a $100 Amazon Gift Card
Rewards rate
1% - 10%
Annual fee
$0
Regular APR
20.49% - 29.24% Variable
Why you'll like this: It boasts a terrific rewards rate on Amazon purchases, which can cover a slew of household items, entertainment, gifts, food and more.
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Compare Bankrate’s top rewards credit cards
Card name | Our pick for | Rewards highlights |
Annual fee
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Bankrate review score
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Travel bonus |
5X miles on hotels and rental cars booked through Capital One Travel
2X miles on every purchase
Bankrate’s rewards value: 1.7 cents per mile*
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4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Starter travel card |
5X points on Chase Travel℠ and Lyft rides (Lyft offer through March 31, 2025)
3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
2X points on all other travel purchases
25% increased redemption value toward travel through Chase Ultimate Rewards
Bankrate’s rewards value: 2.0 cents per point*
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4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
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Hotel bookings |
10X points on hotels, car rentals and attractions booked on CitiTravel.com
3X points on air travel and other hotel purchases, at restaurants, supermarkets, and gas and EV charging stations.
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4.5 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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Food and travel |
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. 4X Membership Rewards® points per dollar spent at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Bankrate’s rewards value: 2.0 cents per point* |
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4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Flat-rate cash rewards |
2% cash rewards on purchases
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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No-annual-fee travel card |
5X miles on hotels and rental cars booked through Capital One Travel
1.25X miles on all other purchases
Bankrate’s rewards value: 1.7 cents per mile*
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Entertainment + Best overall |
10% cash back on Uber rides and Uber Eats orders (through Nov. 14, 2024)
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®)
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5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Luxury travel |
5X points on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (on up to $500,000 spent per calendar year)
1X points on all other purchases
Bankrate’s rewards value: 2.0 cents per point*
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4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Flexible credits |
5X points on hotels purchases
4X points on airline purchases
3X points on restaurant and other travel
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3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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Affordable travel perks |
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel and Capital One Entertainment purchases
2X miles on all other purchases
10,000 bonus miles every year on your account anniversary
Bankrate’s rewards value: 1.7 cents per mile*
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5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Everyday spending |
5% cash back on Lyft purchases (through March 2025) and travel booked through Chase Ultimate Rewards 3% cash back on dining at restaurants and drugstore purchases 1.5% cash back on all other purchases |
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4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
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Category variety |
5% cash back on rotating bonus categories after activation (on up to $1,500 in combined purchases per quarter, then 1%)
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
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Starter rewards card |
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all purchases
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3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Rewards value |
10X points on hotels, car rentals and Chase Dining purchases via Chase Travel℠, and on Lyft rides (Lyft offer through March 31, 2025)
5X points on air travel via Chase Travel℠
3X points on dining and other travel
50% increased redemption value toward travel through Chase Travel℠
Bankrate’s rewards value: 2.0 cents per point* (Points on travel purchases only earned after the first $300, which is covered by the annual travel credit)
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5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
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Groceries |
6% cash back on select U.S. streaming subscriptions and at U.S. supermarkets (up to $6,000 per year in supermarket purchases, then 1%) 3% cash back on U.S. gas station and transit purchases |
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Gas |
5% cash back on purchases on the top eligible spend category each billing cycle (up to the first $500 spent each cycle, 1% cash back thereafter) 1% cash back on all other purchases
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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Everyday travel |
3X points on restaurant, travel, transit, gas station, phone plan and popular streaming service purchases
1X points on all other purchases
Bankrate’s rewards value: 1.0 cents per point*
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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Savers |
2X points on travel and dining
1.5X points on all other purchases
Bankrate’s rewards value: 1.0 cents per point* (Bank of America Preferred Rewards members can receive boosted rates of up to 3.5X points on travel and dining, and 2.62X points on all other purchases)
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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Paying rent |
3X Points on dining
2X Points on travel
1X Points on rent payments (up to a maximum 100,000 points per year) and other purchases
Use the card five times each statement period to earn points. See Rewards and Benefits terms
(Bilt Rent Day doubles all rewards rates on the first day of each month for 2X points to 6X points on non-rent purchases, up to 10,000 points per the first day of the month)
Bankrate’s rewards value: 2.1 cents per point*
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3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bilt's secure site
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Small-business owners |
4X points on up to $150,000 per calendar year in your top two of six eligible categories (then 1X thereafter; only the top two categories each billing cycle will count toward the $150,000 cap)
3X points on hotels and flights through American Express Travel
Bankrate’s rewards value: 2.0 cents per point*
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5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Transit |
3X points on eligible dining, transit and travel purchases (including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals and travel purchases through third-party travel websites and the American Express Travel portal) Bankrate’s rewards value: 2.0 cents per point*
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Online shopping |
5 percent back on Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases 2 percent back on restaurant, gas station, local transit and commuting purchases (including rideshares) Baseline rewards value: 1 cent per point |
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Amazon's secure site
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GM payments and leases |
7X points on eligible GM purchases
4X points on all other purchases
Baseline rewards value: 1 cent per point (toward eligible GM purchases)
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The information about the My GM Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
*Bankrate’s points and miles valuations are based on an average of the issuer’s five highest-value transfer partners (if available).