Credit Card Rewards

Finding a rewards credit card is tough. With thousands of credit card offers from an equally immense number of credit card issuers, navigating your way through the average to find the best is seemingly an impossible task.

Fortunately, BestCards.com is here to help you find your next rewards credit card. Our industry experts break down every offer to help you find exactly what you’re looking for. With over 800+ in-depth and impartial reviews, and comprehensive resources and advice, trust in the BestCards team to guide you every step of the way.

Rewards credit cards come in a variety of shapes and sizes. There are rewards cards for frequent flyers, business travelers, and daily commuters. There are cards for those who love to dine out, and for those who do all their shopping online. No matter what you are looking for, there’s a rewards card to fit your needs. Our team has compiled a list of the best rewards cards for 2020 in every category:

Best Cash Back Credit Cards of 2020

Cash back credit cards (sometimes known as cashback cards) earn rewards that apply towards statement credits, account deposits, or plain-old cash rewards.  Cash back cards typically earn rewards with every purchase and fit into two distinct groups:  flat-rate cash back and tiered cash back.

Flat-rate cash back cards earn a fixed amount of rewards on every purchase. Typically, this ranges from 1% to 2%, with the most common figure being 1.5% back on every purchase. These cards offer the most value to those who don’t like to plan their spending habits and want a great reward rate every day.

Tiered cash back cards earn extra rewards in select categories. Sometimes rewards take the form of several categories, such as 2% back on gas and dining and 1% back on all other purchases. Other times, additional rewards are earnable in a rotating set of categories. Usually, these categories (which change each quarter) earn 5% back, with all other purchases receiving 1% back.

Cash back cards are one of the most popular types of credit cards because they offer everyday value and usually lack an annual fee.

Best for No Annual Fee

Best 5% Cash Back Categories

Best Credit Union Card

Best for Students

Best for Business

Best Airline Rewards Credit Cards of 2020

Airline credit cards offer significant value to those who prefer to fly with a specific carrier. Airline rewards credit cards offer frequent flyers miles for every purchase, with additional miles in select categories, such as travel, flights, dining, gas, and more.

Frequent flyers also benefit from airline alliances. These alliances, like oneworld, SkyTeam, and Star Alliance, allow cardholders to earn miles even when flying with the partner carriers of their chosen airline. Even better, miles are usable for award flights with partners. These awards can save travelers thousands of dollars over regular fares.

Best for Building Credit

Best for Luxury Travel

Best No Annual Fee

Best Business Card

The Best Travel Rewards Credit Cards of 2020

Travel rewards credit cards are like airline cards but lack the need for a set carrier or hotel brand. Also known as a general travel rewards card, travel cards earn points on purchases, with select categories earning additional rewards. Categories that earn additional points include:

• Travel
• Hotels
• Airfare
• Gas purchases
• Groceries
• Dining

Travel cards are excellent for those who prefer more flexibility with their rewards. Many travel rewards credit cards feature no blackout dates or restrictions on award bookings. These benefits make booking flights, hotels, or other travel awards a breeze.

Rewards cards come with excellent signup bonuses. This is undoubtedly true of travel cards, with bonuses worth hundreds of dollars. While the introductory bonuses are valuable, however, they typically come with an annual fee.

Best for Luxury Travel

Best for Points

Best for Everyday Purchases

Best No Annual Fee

Best for Business

The Best Hotel Rewards Credit Cards of 2020

Hotel rewards credit cards help travelers earn points to free nights. Like airline cards, hotel credit cards are tied to specific hotel companies. Stays with brands within these companies earn additional rewards – and provide cardholders with valuable benefits.

When using a co-branded hotel card with the chosen brand, cardholders can expect loyalty perks such as:

• Complimentary Wi-Fi
• Free water bottles in-room
• Late check-in/ check-out
• Room upgrades
• Free nights

Many hotels partner with other travel companies. These partners include airlines and car rental companies. Because of these agreements, hotel cardholders can transfer their points towards frequent flyer programs or enjoy additional savings when making bookings worldwide.

Best for Signup Bonus

Best Value for Points

Best No Annual Fee

Best for Independent Hotels

Best for Luxury

The Best Gas Cards of 2020

Gas rewards cards earn rewards on purchases at gas stations throughout the United States. While some gas cards are tied to a specific brand, such as Shell, Exxon, and Mobil, others offer savings regardless of where you fill-up.

The earning rate with gas cards varies but typically ranges from five to ten cents per gallon or 1% to 3% cash back on purchases. Award options with gas cards include fuel savings or cash back as statement credits.

Many gas cards don’t charge an annual fee, meaning using the card to fill up on the daily commute can equate to huge savings over the year. These savings can amount to hundreds of dollars per year, making gas cards an essential tool in any consumer’s wallet.

Best for Speedpass Users

Best for Introductory Savings

Best for Everyday Earning

Best Retail Credit Cards of 2020

Retail cards let cardholders earn rewards at their favorite retailers. Also known as store cards, these rewards cards offer discounts both online and in-store. Some retail cards are co-branded with payment networks like Visa, Mastercard, or Discover. This co-branding allows cardholders to use them anywhere credit cards are accepted. Other store cards “closed-loop,” meaning they only work at a specific retailer.

Retail credit cards are a popular option because of the value they provide frequent shoppers. They’re also wildly popular because they are easier to get than many other rewards credit cards. These lower credit score thresholds make them the ideal credit card for those who want to boost their credit and have a fair credit score.

Best for Grocery Rewards

Best for Coffee Lovers

Best for Online Purchases

Best for DIY

Best for Poor Credit

Browse the Best Credit Cards

Trying to find a credit card but not sure where to start? At BestCards.com, we understand how tough it can be to find your ideal card. We have hundreds of impartial reviews of the leading rewards credit cards, as well as a rundowns of all the latest offers for new cardholders, and a wealth of information on everything you could ever want to know about credit cards. No matter if you are looking for an airline card, a hotel rewards card, a gas card, or even a business card, we have everything you need to maximize your points in a smart, informed manner. Browse our reviews, learn from our industry experts, and find your best card today!