Best Credit Card Rewards of 2020

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 2021 in every category:

Best Cash Back Credit Cards of 2022

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

Chase Freedom Unlimited®

Earn $200 Cash Bonus + 5% Cash Back

Compare Card

Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 15 months from account opening date
Processing Network Visa

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Terms & Conditions

Best Benefits

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
Earn 5% cash back on eligible gas station purchases on up to $6,000 spent in the first year.
Earn 5% on travel purchased through Chase Ultimate Rewards
Earn 3% on dining at restaurants, including takeout and eligible delivery services
Earn 3% on drugstore purchases
Earn 1.5% on all other purchases
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Intro Balance Transfer APR: 0% for 15 months from account opening da
Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best 5% Cash Back Categories

Discover it® Cash Back

Earn Up to 5% Cash Back

Compare Card

Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 14 months from account opening
Processing Network Discover

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Terms & Conditions

Best Benefits

5% cash back in rotating categories - choose from grocery stores, restaurants, gas stations, select rideshares and online shopping
1% cash back on all other purchases
Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
Cash back rewards never expire, earn unlimited cash back
Use rewards at Amazon checkout
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 14 months from account opening
Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Intro Balance Transfer APR: 0% for 14 months from date of first transfer
Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: None the first time you pay late. After that, up to $40
Return Payment Penalty Fee: Up to $40

Best Credit Union Card

USAA® Preferred Cash Rewards Visa Signature® Card

Unlimited 1.5% Cash Back

Compare Card

Regular Purchase APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Cash Advance APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Processing Network Visa

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Terms & Conditions

Best Benefits

Easy, Unlimited 1.5% Cash Back on Purchases
Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
Extend your manufacturer's or U.S. store-brand warranties
Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen

Rates & Fees

Regular Purchase APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transfer
Cash Advance APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35

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Best for Students

Best Benefits

Earn 1% cash back on all purchases
When balance is paid on time, cash back earnings rate increases to 1.25% for the month
Keep track of your credit score for free with CreditWise from Capital One®
No annual fee

Rates & Fees

Regular Purchase APR: 26.99% variable based on the Prime Rate
Balance Transfer APR: 26.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Cash Advance APR: 26.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40

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Best for Business

Ink Business Cash Credit Card

$750 Bonus Cash Back

Compare Card

Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

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Terms & Conditions

Best Benefits

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other purchases–with no limit to the amount you can earn
Employee cards at no additional cost
Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Late Payment Penalty Fee: $40
Return Payment Penalty Fee: $40

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Best Airline Rewards Credit Cards of 2022

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 Benefits

5,000 SKYPASS bonus miles after your first purchase
1,000 Bonus miles at renewal
Earn 1 mile for every $1 you spend in eligible net purchases
$250,000 in Travel Accident Insurance

Rates & Fees

Regular Purchase APR: 16.24% variable based on the Prime Rate
Balance Transfer APR: 16.24% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $50
Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Minimum Deposit Required: $300

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Best for Luxury Travel

Best Benefits

Earn 125,000 Bonus Miles and 10,000 MQMs after you spend $5,000 in purchases on your new Card in your first 3 months
With Status Boost(TM), earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status
Fee Credit for Global Entry or TSA PreCheck
Enjoy your first checked bag free
Compimentary access into the Delta SkyClubs for you when travelling on a Delta flight

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Annual Fee: $550
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best No Annual Fee

Best Benefits

Earn $150 in United TravelBank cash after you spend $1,000 within the first 3 months of opening an account
2% in TravelBank cash per $1 spent on United ticket purchases
1.5% in TravelBank cash on all other qualifying purchases
25% savings on United in-flight purchases
No foreign transaction fees
No annual fee

Rates & Fees

Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

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Best Business Card

Southwest Rapid Rewards® Performance Business Credit Card

Earn Up to 80,000 Bonus Points

Compare Card

Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee $199
Credit Needed Excellent , Good
Processing Network Visa

Read Review

Terms & Conditions

Best Benefits

Earn 80,000 bonus points when you spend $5,000 in the first 3 months
Receive 9,000 bonus points after your Cardmember anniversary
Earn 4 points for every $1 you spend on Southwest Airlines® purchases
Earn 3 points for every $1 you spend on Rapid Rewards hotel and car rental partner purchases
Earn 2 points for every $1 you spend on local transit and commuting, including rideshare services
Earn 2 points for every $1 you spend on social media and search engine advertising, internet, cable, and phone services
Earn 1 point for every dollar you spend on all other purchases
9,000 anniversary points each year

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $199
Late Payment Penalty Fee: $40
Return Payment Penalty Fee: $40

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The Best Travel Rewards Credit Cards of 2022

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 Benefits

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
$200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
Access to the American Express Global Lounge Collection
VIP status and $200 Uber savings on rides or eats orders in the US annually
Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
Complimentary membership in premium car rental programs
$240 Digital Entertainment statement credit
$175 CLEAR statement credit
$300 Equinox Statement credit

Rates & Fees

Regular Purchase APR: See Pay Over Time APR
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: See Rates & Fees
Annual Fee: $695
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best for Points

Chase Sapphire Reserve®

Earn 50,000 Bonus Points ($750 Value)

Compare Card

Regular Purchase APR 16.99% to 23.99% variable based on creditworthiness and Prime Rate
Balance Transfer APR 16.99% to 23.99% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee $550, each authorized user: $75 per year.
Credit Needed Excellent
Processing Network Visa

Read Review

Terms & Conditions

Best Benefits

50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year
Earn 10X points on Chase Dining purchases through Ultimate Rewards
Earn 10X points on hotel stays and car rentals purchased through Ultimate Rewards
Earn 5X total points on air travel purchased through Ultimate Rewards
Earn 3X points on Dining at Restaurants Worldwide, including eligible delivery services, takeout and dining out
Earn 3X points on Travel Worldwide, immediately after the first $300 is spent annually on travel purchases
Earn 1 point per dollar spent on all other purchases
Get 50% more from your points when you redeem them for travel through Chase Ultimate Rewards
Complimentary Priority Pass™ Select membership
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 16.99% to 23.99% variable based on creditworthiness and Prime Rate
Balance Transfer APR: 16.99% to 23.99% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $550, each authorized user: $75 per year.
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best for Everyday Purchases

Best Benefits

3X ThankYou® Points per dollar spent at restaurants, supermarkets, gas stations, air travel and hotels
1X ThankYou® Point per dollar spent on all other purchases
No limit to how many points you can earn, and they never expire
Earn 60,000 bonus points when you spend $4,000 in the first three months of opening your account

Rates & Fees

Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and Prime Rate
Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on creditworthiness and Prime Rate
Annual Fee: $95
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best No Annual Fee

Discover it® Miles

Unlimited 1.5X Miles for Every Dollar Spent

Compare Card

Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Balance Transfer APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 14 months from date of account opening
Processing Network Discover

Read Review

Terms & Conditions

Best Benefits

Earn unlimited 1.5x Miles for every dollar spent on all purchases
Automatic cashback match your first year
Redeem your Miles as a statement credit with no blackout dates
Earnings never expire

Rates & Fees

Intro Purchase APR: 0% for 14 months from date of account opening
Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Intro Balance Transfer APR: 10.99% for 14 months from date of first transfer
Balance Transfer APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: None the first time you pay late. After that, up to $40
Return Payment Penalty Fee: Up to $40

Best for Business

Best Benefits

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year
Fine Hotels + Resorts Program grants an average total value of $550 in perks at over 1,100 properties, like daily breakfast for two, 4pm check-out, and more
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell
Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more

Rates & Fees

Regular Purchase APR: See Pay Over Time Feature
Penalty APR: 29.24% variable based on the Prime Rate
Annual Fee: $595 ($695 if application is received on or after 1/13/2022)
Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
Return Payment Penalty Fee: $39

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The Best Hotel Rewards Credit Cards of 2022

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 Benefits

14X points for Hilton hotels and resorts
7X points on flights booked directly with airlines or through amextravel.com, ca
7X points on car rentals booked directly from select car rental companies
7X points at U.S. restaurants
3X points on all other purchases
Complimentary Diamond Status in the Hilton Honors rewards program
Anniversary bonus of one weekend night
Earn additional weekend night reward after spending $60,000 within calendar year
$250 Hilton resort statement credit

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Annual Fee: $450
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Value for Points

World of Hyatt Credit Card

Earn up to 60,000 Bonus Points (Worth 10 Free Nights!)

Compare Card

Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee $95
Credit Needed Excellent , Good
Processing Network Visa

Read Review

Terms & Conditions

Best Benefits

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
Plus, earn up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Earn 4X Bonus Points per $1 spent on purchases at all Hyatt hotel, plus 5X Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
Earn 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
Plus, earn 1X Bonus Point per $1 spent on all other purchases
Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary
Also receive one extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar yea
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $95
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best No Annual Fee

Best Benefits

Earn up to 3 free nights and get automatic Gold Elite status when you open your account
Earn up to 40,000 bonus points when you spend $1,000 in your first 3 billing cycles, and an additional 20,000 bonus points when you spend $5,000 every 12 billing cycles
Earn 13 points per $1 spent on Best Western stays; earn 2 points per $1 spent everywhere else
10% discount when cardholders select the Best Western Rewards Rate at bwrcarddiscount.com

Rates & Fees

Regular Purchase APR: 20.99% or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 20.99% or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: EIther $15 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $35

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Best for Independent Hotels

Best Benefits

No annual fee
5X points at participating VOILÀ Hotels
1X points on all other purchases
50% additional points with VOILÀ stays after spending $10,000 in a purchasing year

Rates & Fees

Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Penalty APR: 27.24% variable based on the Prime Rate
Foreign Transaction Fee: 1% of each transaction in U.S.dollars; 2% of each transaction in foreign currencies
Late Payment Penalty Fee: Up to $40

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Best for Luxury

Best Benefits

6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
3X points on purchases at U.S. restaurants and flights booked directly with airlines
2X points on all other eligible purchases
Free Night Award each year on account anniversary
Complimentary Marriott Bonvoy Gold Elite status
Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
Priority Pass Select membership
$100 statement credit for Global Entry or $85 credit for TSA Pre Check

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Annual Fee: $450
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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The Best Gas Cards of 2022

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 Benefits

Get $6 back when you make 3 mobile transactions within 2 months from your account open date with the Exxon Mobil Rewards+ app
Get 30¢ off each gallon of Synergy™ fuel for the first 2 months
View monthly itemized fuel costs for each card in your account
No annual fee
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 26.49% variable based on the Prime Rate
Cash Advance APR: 29.95% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Late Payment Penalty Fee: Up to $40

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Best for Introductory Savings

Best Benefits

Earn 30¢ per gallon during first 90 days
Earn 3-7¢ per gallon based on fuel grade (Limited time offer)
Earn up to an extra 10¢ per gallon in Fuel Credits
No annual fee

Rates & Fees

Regular Purchase APR: 29.99%
Cash Advance APR: 29.99%
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: $29

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Best for Everyday Earning

Best Benefits

No annual fee
Earn Unlimited 1.5% cash back on everyday purchases
Earn cash back everywhere Visa is accepted
A portion of every purchase goes towards wetlands conservation efforts

Rates & Fees

Regular Purchase APR: 19.99% variable based on the Prime Rate
Balance Transfer APR: 19.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $35

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Best Retail Credit Cards of 2022

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 Benefits

Earn 5% Cash back on mobile wallet purchases for the first $3,000, then 1% thereafter
Earn 3% Cash back on dining and fuel for the first $6,000, then 1% thereafter.
Earn 2% Cash back Inside of our Stores
Earn 1% Cash back Outside of our Stores

Rates & Fees

Regular Purchase APR: 13.99% to 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 13.99% to 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best for Coffee Lovers

Starbucks Rewards™ Visa® Card

Earn 4,500 Bonus Stars After Spending $500

Compare Card

Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee $0 for the first year; $49 after that
Credit Needed Good
Processing Network Visa

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Terms & Conditions

Best Benefits

Get 4,500 Stars after you spend $500 on purchases in the first three months
Earn 300 Bonus Stars the first time you use your Starbucks Rewards™ Visa Card to add money to your account
3X Stars per $1 spent at Starbucks
1X Stars per $2 spend at grocery stores, local transit and commuting, and on Internet/cable/phone services
1X Stars per $4 spent outside of Starbucks stores
Stars never expire

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $0 for the first year; $49 after that
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best for Online Purchases

Amazon Prime Rewards Visa Signature Card

Get an Amazon.com Gift Card Upon Approval

Compare Card

Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Processing Network Visa

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Terms & Conditions

Best Benefits

Instant Amazon.com gift card on approval
Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership
Earn 2% Back at restaurants, gas stations and drugstores
Earn 1% Back on all other purchases
No foreign transaction fees
No annual fee

Rates & Fees

Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: N/A
Balance Transfer APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39
Minimum Deposit Required: N/A

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Best for DIY

Best Benefits

3% back on True Value and Home & Garden Showplace purchases
2% back on gas and groceries
1% back for all other purchases
$5 voucher every cardholder anniversary
Lowest purchase price guarantee
24/7 roadside assistance

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 15.74%, 21.74%, 26.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 27.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
Cash Advance APR: 27.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $38
Return Payment Penalty Fee: Up to $38

Best for Poor Credit

Best Benefits

$500 credit limit
No employment or credit check to apply
Reports activity to major credit bureau
Fast and easy application

Rates & Fees

Late Payment Penalty Fee: $20
Return Payment Penalty Fee: $25

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!

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