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.Read more
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.
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’ picksWe 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.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
- Rewards rate1x - 5xPoints per dollar
- Welcome bonus20,000Points
- 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
- 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
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
Great for students building credit††
Great for students building credit††
Deserve® EDU Mastercard
- Rewards rate1%Cash back
- Annual fee$0
Rewards rate
1% Cash back
Annual fee
$0
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
Credit One Bank® Platinum Visa® for Rebuilding Credit
- Rewards rate1%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
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Great for building your credit history††
Great for building your credit history††
Fingerhut Fetti Credit Account issued by WebBank
- Rewards rateN/A
- Annual fee$0*
Rewards rate
N/A
Annual fee
$0*
- Easy application! Get a credit decision in seconds.
- Build your credit history - Fingerhut reports to all 3 major credit bureaus
Capital One Venture Rewards Credit Card
- Rewards rate2x - 5xMiles per dollar
- Welcome bonus75,000Miles
- 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
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
Great for flexible cash back††
Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
- Rewards rate1% - 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
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi® Double Cash Card
- Rewards rate2%Cash back
- Annual fee$0
Rewards rate
2% Cash back
Annual fee
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
Great for travel rewards on a budget††
Great for travel rewards on a budget††
Bank of America® Travel Rewards credit card
- Rewards rate1.5xPoints per dollar
- Welcome bonus25,000Points
- 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
- 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.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for beginners††
Great for beginners††
Petal® 2 Visa® Credit Card
- Rewards rate1% - 1.5%Cash back
- Annual fee$0
Rewards rate
1% - 1.5% Cash back
Annual fee
$0
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 13.74% - 27.74%
Great for Costco and cash back lovers††
Great for Costco and cash back lovers††
Costco Anywhere Visa® Card by Citi
- Rewards rate1% - 4%Cash back
- Annual fee$0
Rewards rate
1% - 4% Cash back
Annual fee
$0
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
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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.