Reward cards

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CK Editors’ Tips††: The right rewards credit card can help you get cash back on purchases, book a trip and gain crucial perks. Consider which rewards and perks match up with your habits, not just which card offers the most features overall.
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What to consider when choosing a rewards credit card
When shopping for a rewards credit card, keep in mind that rewards and perks only have value when you use them. While cards may promise plenty of points on purchases or high estimated values for their perks, you’re ultimately only going to benefit from them if they match up with your habits and needs. Think about where you spend your money, how much effort you’d like to put into maximizing a rewards program, and whether you want a cash back or travel rewards card.
How we picked the best rewards credit cards
We selected the best rewards credit cards with a focus on cards that offer the chance to earn lots of rewards for spending in specific categories — like dining and groceries — and in straightforward ways, with cards that offer the same rewards rate on all purchases. Also, while many of the best rewards credit cards require good or excellent credit, we wanted to include a few options for those who are still building credit because rewards are available to people at many different levels of credit. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Great for smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Rewards rate
    1x - 5x
    Points per dollar
  • Welcome bonus
    20,000
    Points
  • Editors' bonus estimate
    $306
  • Annual fee
    $0
Rewards rate

1x - 5x Points per dollar

Welcome bonus

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Editors' bonus estimate

$306

Annual fee

$0

Great for students building credit††
Great for students building credit††

Deserve® EDU Mastercard

  • Rewards rate
    1%
    Cash back
  • Annual fee
    $0
Rewards rate

1% Cash back

Annual fee

$0

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Rewards rate
    1%
    Cash back
  • Annual fee
    $75 for the first year, $99 thereafter
Rewards rate

1% Cash back

Annual fee

$75 for the first year, $99 thereafter

Great for building your credit history††
Great for building your credit history††

Fingerhut Fetti Credit Account issued by WebBank

  • Rewards rate
    N/A
  • Annual fee
    $0*
Rewards rate

N/A

Annual fee

$0*

Capital One Venture Rewards Credit Card

  • Rewards rate
    2x - 5x
    Miles per dollar
  • Welcome bonus
    75,000
    Miles
  • Annual fee
    $95
Rewards rate

2x - 5x Miles per dollar

Welcome bonus

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

Annual fee

$95

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Rewards rate
    1% - 3%
    Cash back
  • Welcome bonus
    $200
  • Annual fee
    $0
Rewards rate

1% - 3% Cash back

Welcome bonus

Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening

Annual fee

$0

Great for high flat-rate cash back††
Great for high flat-rate cash back††

Citi® Double Cash Card

  • Rewards rate
    2%
    Cash back
  • Annual fee
    $0
Rewards rate

2% Cash back

Annual fee

$0

Great for travel rewards on a budget††
Great for travel rewards on a budget††

Bank of America® Travel Rewards credit card

  • Rewards rate
    1.5x
    Points per dollar
  • Welcome bonus
    25,000
    Points
  • Editors' bonus estimate
    $250
  • Annual fee
    $0
Rewards rate

1.5x Points per dollar

Welcome bonus

Earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening

Editors' bonus estimate

$250

Annual fee

$0

Great for beginners††
Great for beginners††

Petal® 2 Visa® Credit Card

  • Rewards rate
    1% - 1.5%
    Cash back
  • Annual fee
    $0
Rewards rate

1% - 1.5% Cash back

Annual fee

$0

Great for Costco and cash back lovers††
Great for Costco and cash back lovers††

Costco Anywhere Visa® Card by Citi

  • Rewards rate
    1% - 4%
    Cash back
  • Annual fee
    $0
Rewards rate

1% - 4% Cash back

Annual fee

$0

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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.