18 Best Rewards Credit Cards of 2022

One of the best things about Chase Sapphire Preferred® is the flexibility. They provide options to suit any of your financial goals, including cashing your rewards in for travel, hotel stays, and more.

All purchases qualify though some offer up to 5X the points like rides with Lyft.

Apart from all of the options members get as a cardholder, Chase offers a ton of rewards and bonuses to help you rack up points and start using them toward more of the things you love.

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Pros:

• The points scale is great, including a killer distribution that you can’t find anywhere else. Earn 5 points for every $1 spent on travel and $3 for dining.
• Rack up reward points with everyday items at top stores like Target, Walmart, and even wholesale clubs.
• Conversions are solid. Earn cold hard cash when you collect points or, redeem them for that dream vacation you’ve always wanted to take with travel 1:1 rate.
• The Pay Yourself Back option scores you 25% more and is combinable with current offers.

Cons:

• This rewards card comes with an annual fee. Still, it’s only $95.
• The APR is high and there is no sign-up offer to enjoy lower interest like some of the competitors
• Earning high points for travel requires bookings through Chase services.

• One of the best offers we’ve seen! In the first 3 months, spend $4,000 and earn 100,000 bonus points. Even if you take the cash option, you’ll have $1,250 in your pocket.
• Love to travel? This card earning you 5X points when you book through Chase Ultimate Rewards
• Trips booked through Chase not only come with points but luxuries like travel insurance, lost luggage insurance, collision damage, and more.
• Score exclusive Peloton offers including an All-Access Membership and a chance to take advantage of their workout library.

One of the best things about the Citi® Double Cash Card is that you can get double the rewards. You score 1% when you buy and 1% when you pay, getting cash twice on all your purchases.

Unlike some rewards cards, the Citi® Double Cash Card also comes with 0% APR as an introductory perk and no annual fees, making it one of the most affordable rewards cards out there.

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Pros:

• 2% cash back on purchases, 1% when you buy, and another 1% when you pay. That means that you get double the rewards.
• There is no limit to the number of rewards that you can rack up, which means that you can keep on growing.
• This rewards card comes with $0 in annual fees.
• Start off with 0% APR for balance transfers as a welcome bonus.

Cons:

• There are some fees you’ll have to keep a lookout for, including foreign transaction fees and balance transfer fees.
• Apart from the earning potential, you won’t find too many other perks when you go with this card.
• 0% APR only applies to balance transfers and not purchases.

• Get double the cashback, once when you buy and again when you pay your balance.
• Balance transfers come with 0% APR as a new member, though purchases do not.
• APR is typically around 13.99% – 23.99%, though it is subject to a credit check.
• Balance transfer fees are either $5 or 3%, whichever is greater.

For 14 whole months, there is no APR on both purchases and balance transfers. If that were not enough to catch your attention, the Discover it® Cash Back card has a $0 annual fee and a bonus for new cardmembers.

It’s the perfect card for those that don’t have the best credit and even comes with a cash match bonus at the end of the year.

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Pros:

• The bonus categories are the best. They activate each quarter and come with lots of earning opportunities like 5% on necessities like groceries and gas.
• The Cashback Match is a huge pro, rewarded to new cardmembers their first year.
• There is no cap to the number of rewards you can earn.
• Access to FICO scores each month.

Cons:

• For some rewards, users have to opt-in, and it can be difficult to keep up with them all.
• As a secured card, the perks are limited.
• Rewards are capped with promotions, making them a little less sweet.

• When you sign up, you score Cashback Match for your first year. Discover will match all the cash back you earned, doubling it to either cash in or keep saving up.
• Some promos activate 5% cash back on everyday purchases, including gas and groceries.
• All rewards earned stay yours and don’t come with an expiration date.
• Expect to pay $0 in annual fees.
• The Discover it® Cash Back card is one of the most trusted credit cards around.

With Chase Sapphire Reserve®, users can earn up to 10X on travel, including hotels and car rentals.

There is a 5X return on air travel when booking through Chase Ultimate Rewards and even 3X points on travel booked through another site.

Though the returns are nice, we love this card for the intro bonus, which comes with 60,000 points right off the bat.

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Pros:

• Score $300 for travel reimbursement as an anniversary gift.
• Spend $4,000 or more within your first three months and earn 60,000 points.
• Airline purchases are eligible for 1:1 point transfer.
• For all purchases, $1 earns you 1 point.

Cons:

• Hefty annual fee of $550
• Not suitable for those with low to mid-range credit.
• APR outside of promotions ranges from 16.99% to 23.99%

• When you sign up, score the chance to earn 60,000 points in your first three months.
• The Chase Sapphire Reserve® card is the perfect travel companion, coming with a $300 reimbursement each year for travel expenses.
• Earn for one point each $1 that you spend.
• Rewards double with the Pay Yourself Back bonus from Chase. You’ll get 50% more on the offer that Chase has going on.
• The card comes with access to more than 1,200 airport lounges and a $100 credit toward TSA precheck.

During your first 6 months with this card, you have the potential to earn cashback galore thanks to 10X earnings on up to $25,000.

An entrance bonus of 100,000 points could be yours with qualifying purchases and cashback for hotel stays is 5X the entire calendar year.

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Pros:

• Possibility to earn up to 100,000 in points in your first year
• Get $200 in hotel credit when you book with American Express
• For the first 6 months of your membership, you can earn 10X cashback on everyday purchases and purchases in small shops throughout the US.
• $300 Equinox credit on sign up.

Cons:

• The annual fee is $695
• Credit approvals are most likely for mid to high-level credit scores.
• APR depends on the amount you spend.
• American Express doesn’t run promos as often as the competition.

• When you sign up, score 10X the points for the first 6 months. You could go all the way up to $25,000, earning you 100,000 points.
• Booking flights with your American Express Platinum Card comes with 5X the points when you book through AMEX.
• Every year, get a $200 Hotel Credit for your stays booked with American Express.
• Receive a $240 Digital Entertainment Credit, using them on providers like SiriusXM and Audible.

Wells Fargo offers several features that stamp out the competition. Their Active Cash Card comes with 2% cashback on all purchases and incentives that boost earnings and rack up points for quicker redemption that’s worth it.

Perfect for a wide range of credit scores, this card could be just the thing to get you going with cashback rewards.

Pros:

• Welcome offer can earn new members up to $200 in cash rewards.
• Pay 0% APR as an introductory bonus as a new member.
• Earn 2% on all purchases without any limits to the money you spend.
• Cash rewards do not expire and can be used whenever you’re ready for them.
• Score security for your cell phone with up to $600 of protection in case of theft or damage.

Cons:

• Wells Fargo purchases outside of the US are subject to a foreign transaction fee.
• Fees can go up to 24.99% after your introductory period is up.
• Limited earnings and perks when compared to the competition

• Earn up to $200 when you spend at least $1000 on your Wells Fargo Active Cash Card.
• All purchases come with a 2% cashback guaranteed.
• As an introductory offer, score 0% APR for the first 15 months
• Expect to pay $0 in annual fees
• When you stay with properties partnered with Visa Signature Concierge, you’ll score exclusive benefits, perks, and deals with your Active Cash Card.

College students are encouraged to start building their credit. With the Discover it® Student Cash Back card, they can do just that while taking advantage of a long list of perks.

Not only does the card help students build their credit but it encourages them to keep their grades up, with rewards for up to 5 years when they maintain a GPA of 3.0 or above.

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Pros:

• Earn 2% cashback on all necessities including gas and groceries.
• All bonuses and promos are automatically active (no sign up)
• Comes with $0 in annual fees
• More incentives for better grades
• The first year comes with Cashback Match, doubling whatever rewards students collect

Cons:

• Not accepted worldwide like other cards
• Base reward points top out at 1%, which is lower than the competition
• APR after promo period can go up to 21.9%

• As an introductory offer, Discover will match all of the cashback earned for the entire first year as a member.
• All the essentials come with double the rewards, coming in at 2% for purchases like gas, groceries, and more.
• Earn extra cash when you get good grades. This promo lasts up to 5 years while you’re getting your classes done and out of the way.
• The Discover It Student Cash Back card is perfect for those with limited credit, providing an opportunity to start building a solid history.
• There are no annual fees and no penalties on your first late payment.
• Get access to your credit score monthly to track your progress and make sure you’re building a solid and healthy credit history.

No matter what kind of purchases you make with the Discover it® Secured Credit Card, you’ll get 1% cashback.

That bumps up to 2% when you make qualifying purchases on the things that you need like gas, food, and toiletries.

Apart from the sweet rates, this card comes with a fixed APR and no annual fee at the end of the year.

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Pros:

• Score 2% cashback on all purchases that include necessities
• A secured credit card helps you build your credit and maintain a solid payment history
• Never pay an annual fee
• Free access to FICO scores each month to track credit progress
• The first year comes with a cashback match that will double what you earned in your first year as a member

Cons:

• Requires a security deposit to open which could come out to $200
• Rewards are capped
• Because it’s a secured card, the rewards are slacking a bit.
• All deposits must be refundable.

• Opportunity for all kinds of credit scores to start building credit and use credit responsibly
• Reports to all three major credit reports with this card
• After 8 months of use, Discover can bump up members to unsecured cards, which means they can get more returns and increase their credit limit.
• The Discover it® Cash Back card offers 2% cashback on important purchases like restaurants, gas, and groceries. All other purchases come with a 1% cashback guaranteed.

If you’re looking for a way to bump up your rewards, Chase Freedom Flex℠ comes with rewards as high as 5%.

All new members score a sweet welcome bonus and the chance to get 3X the points on purchases at some of the biggest department and grocery stores.

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Pros:

• 5% cash back on purchases in promo category each month guaranteed.
• All travel that’s booked through chase comes with a 5% cashback
• Purchases for food, gas and other necessities come with 3X the reward points
• Some grocery store and department store purchases offer 5% cashback
• Options to move to other more exclusive Chase rewards cards when you have good standing with Chase Freedom Flex.

Cons:

• All bonuses have to be activated, including the changing categories for 5% cashback.
• A limited number of promotions and bonuses
• Travel rewards only when booking through Chase

• In the first three months as a member, earn $200 when you spend $500
• Score 5% cashback up to $12,000 in the first year when you purchase in qualifying department stores like Target and Walmart
• Categories that qualify for 5% cashback fluctuate and change every three months
• Earn 1% on all other purchases that are not part of the current promos
• Pay 0% APR for the first 15 months and $0 annually for fees.
• Cashback points will never expire and can be used when you’re ready to redeem them

For those who choose Costco for their shopping needs, Costco Anywhere Visa® Card by Citi is one to keep an eye on. Purchases made in Costco stores earn up to 4% cashback.

Other items purchased can earn up to 3% and all purchases earn at least 1% in cashback rewards. There are no annual fees and an introductory period without APR.

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Pros:

• No annual fees even after the introductory period is over
• Tons of bonus categories and promos to jump in on every few months
• Costco Anywhere Visa can be used worldwide where Visa is accepted without any foreign transaction fees
• Some purchases come with 5% cashback, some of which include gas and groceries.

Cons:

• Only Costco members can sign up for the card
• Some redemptions are limited
• Not all purchases qualify for the max 5% cashback. The minimum cashback is 1% on all purchases and some promos earn 3% cashback.

• $0 in annual fees when you become a member and sign up for the Costco Anywhere Visa.
• For use, cardholders must be Costco members, which comes with a yearly membership fee.
• Earn 4% on gas on up to $7,000 each year and 1% on gas after that.
• Travel booked through Visa comes with 3% cashback.
• Visa is accepted worldwide and because of that, there are no foreign transaction fees tied in with this card.
• Purchases in qualifying stores like Amazon and Target earn up to 5% cashback.
• APR after the introductory period is up to 15.2%

American Express offers a ton of things for the cardholder to get excited about, including great returns on everyday purchases.

On top of that, the Blue Cash Preferred® Card from American Express is always running promotions to help bump up points earned and increase healthy spending. All purchases qualify for at least 1% back on purchases and earned rewards never expire.

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Pros:

• Supermarkets in the US offer 6% cash back on purchases
• All fill-ups at gas stations and use of transit vehicles like ridesharing and taxis score 3% cashback.
• Qualifying streaming earns 6% cashback
• Earn up to $150 in the first 6 months as a member when you spend at least $3,000
• Enjoy no fees and 0% APR for your first year.

Cons:

• Annual fees after the introductory period are high
• American Express is not accepted around the world and is subject to fees if used outside of the country.
• There are a lot of limits on the number of rewards members can earn, especially with promo offers.

• Within the first six months as a member, earn 20% back when you purchase from Amazon.
• All purchases up to $3000 come with a $150 cashback return in the first six months.
• As a new member, the first year you’ll pay $0 in annual fees and then only $95 after that.
• Supermarket purchases come with 6% cashback up to $6,000 per year, earning 1% thereafter.
• Streaming subscriptions with this card earn 6% cashback
• Score 3% on all purchases that deal with transportation, including gas, taxis, and other forms of transit.
• APR up to 23.99% after the introductory period.

If you’re a foodie and constantly hitting the dining scene on your nights out, the Capital One® Savor® Cash Rewards Credit Card could be the one for you.

With an impressive 4% cash back on dining, streaming, and entertaining, it’s the ultimate card to get and keep your life interesting.

With a low annual fee and low range APR, this card could be the perfect one for starting on your reward collecting journey.

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Pros:

• You never have to pay a foreign transaction fee for going out on the town while abroad.
• Score high rewards for everything entertainment, including dining and theatres.
• Great signup bonus with no annual fees, low APR, and a chance to rack up rewards.
• Score 1% cashback on all purchases no matter what

Cons:

• The annual fee is high after the introductory period
• Higher APR than some of the competition, going up to nearly 25%

• As a new member, score a $300 cash bonus after spending only $3000 in your first three months.
• Earn 4% cashback on all purchases qualifying as entertainment including dining out, watching movies in theatres, or streaming with a subscription service.
• For necessities like groceries and gas, earn 3%.
• The annual fee is $0 for the first year and goes up to $95 after that.
• All other spending earns you 1%.
• The Capital One Savor Cash Rewards card is accepted worldwide and does not come with any foreign transaction fees when used abroad.

Chase Freedom Unlimited® has always been a solid card. In recent years, it’s gotten even better, with more rewards, additional qualifying purchases, and offers for new members when they sign up.

From earning cash back on travel to scoring points for everyday purchases, this card has a bit of everything for all kinds of shoppers.

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Pros:

• For all travel, members earn 5% cashback when they book through Chase.
• 3% cash back for all purchases on food and in restaurants.
• Sign-up bonus that qualifies new members to earn $200 when they spend $500 in the first three months.
• Grocery store purchases earn 5% cashback, including stores like Target and Walmart.
• Options to move up to another Chase card allow members to transfer rewards to increase their value.

Cons:

• This card is not qualified for use abroad, coming with some huge foreign transaction fees.
• APR goes up to 23.74% after the introductory offer.
• Rewards are often limited and come with caps, especially when it involves promos.

• As a new member, you have the chance to earn a bonus of $200 when you spend $500 in the first three months.
• All purchases made on groceries, gas, and other supermarket necessities earn 5% up to $12,000 per year.
• All other purchases earn you 1.5% cashback.
• When booking travel through Chase preferred, earn 5% cashback.
• The Chase Freedom Unlimited card comes with $0 in annual fees, even outside the introductory period.
• There is no minimum required to redeem rewards and there is never an expiration date on using them.

The Venture Rewards Credit Card from Capital One is easy to use and comes with a record turnaround to redeem points.

It rewards members for travel, for supermarket purchases, and even includes promos and bonuses on qualifying purchases throughout the year.

Some purchases come with miles that are redeemable for trips to luxurious destinations and hotel stays with Capital One partners.

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Pros:

• Earn miles for travel with every purchase. Two miles = $1.
• There is never a minimum required to redeem points.
• Rewards never expire and can be used whenever and on whatever you like.
• Enjoy solid signup bonuses as a new member.

Cons:

• Some of the reward points can’t compete with loyalty programs at hotels and airlines.
• Options to combine miles with participating airlines are there but weak.
• Comes with an annual fee.

• When new members spend $3000 within the first three months, they score 60,000 miles that can be redeemed for miles.
• Every purchase comes with a reward of 2X the miles.
• Miles never expire and can be redeemed on any flights that members want to use them for.
• Additional perk knocks $100 off of TSA precheck to speed up global entry at border checks throughout the globe.
• Miles are transferrable to other loyalty programs and can receive a boost if loyalty offers more per mile.
• This card can be used around the world and comes with zero transaction fees, no matter how far from the US it is.
• There is never an annual fee and APR is lower than some of the competition.

If traveling is your thing, then look no further than the Delta SkyMiles® Gold American Express Card.

Collect miles when you use your card on everyday purchases that you can use to travel to destinations all around the world.

Plus, enjoy perks once you book your ticket like checked bag benefits and preferred seat selection on your flights.

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Pros:

• Each $1 spent at restaurants and supermarkets earns you 2 miles that you can redeem for flights.
• Other purchases earn 1 mile per dollar spent.
• Solid welcome offers for new members
• Enjoy perks for travel like checked bags and seat selection
• Score priority boarding when you book with your earned miles.

Cons:

• Options are somewhat limited when it comes to redeeming miles for flights.
• AMEX is not accepted all around the world and could come with fees in some areas.
• Comes with an annual fee of $99.

• Spend $1000 in the first three months to enjoy 40,000 bonus miles.
• The first three months also come with $50 in statement credits that you can use when you like.
• Score travel perks as a member like a free checked bag and priority boarding.
• There are several options to earn 2X miles including purchases in restaurants, takeout and delivery, and even supermarkets.
• Once you hit $10,000 in purchases with your card, you’ll score $100 credit for Delta flights.
• The introductory period comes with $0 in annual fees.

For a card that’s not backed by one of the banking giants of the world, the Hyatt Credit Card has some solid things you won’t want to miss.

From anniversary perks to new member bonuses, Hyatt has a few tricks under its sleeve to make customers happy.

This card is great for all those who travel and who want to earn cashback as they make their way around the world.

Pros:

• When purchasing with Hyatt, earn two points for every dollar spent.
• All other spending will add one point per dollar.
• Each year as a member, get a free night’s stay in a Hyatt property.
• Free nights when you spend $15,000 or more in a calendar year.
• Hit elite status quickly when you qualify.

Cons:

• Hyatt isn’t as well-known as the competition and is limited when it comes to partners.
• Hyatt properties are also limited, which narrows member’s choices of where to stay.
• Comes with an annual fee of $95

• Earn 30,000 points when you spend $3000 in the first three months.
• In the first six months, points are doubled, which can earn you another 30,000 points.
• Promos for free stays happen often with this card.
• Each year as a member, score a free night in any Hyatt property
• Score 5 credits for nights’ stays each year that you’re a member.
• When spending $15,000 in a calendar year, earn another free night in one of Hyatt’s hotels.
• Options to earn up to 9 points total per dollar spent come with this card, which could add up to lots of free hotels stays in Hyatt hotels.
• Earn 2 points for every dollar spent on purchases in restaurants, airline tickets, or transit.

For those that love Walmart, the Capital One® Walmart Rewards® card offers you a reward for the shopping you already do.

With purchases in-store and online, members can get solid returns on purchases and will never have to pay an annual fee.

Though cashback is higher when purchasing in Walmart, there is no limit to where purchases can be made.

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Pros:

• The Capital One Walmart Rewards card is great for those that have low to average credit.
• There is no annual fee, even after the first few months as a new member.
• No foreign transaction fee, as Capital One is accepted around the globe.
• Earn more points for virtual purchases through Walmart.com.
• Purchases are not limited to Walmart and members can earn points with a long list of participating vendors.

Cons:

• In-store shopping comes with fewer chances to score rewards
• There is no introductory APR period and rates could go up to 26.99%.
• Promos and bonuses are very limited, especially when compared to the competition.

• Purchases on the Walmart app or at Walmart.com earn 5% cashback.
• Purchasing a Walmart gift card comes with 2% cash back no matter where you buy them.
• All purchases come with points that members can redeem anytime. They never expire and keep on adding up for credit toward a purchase or statement credit.
• The introductory period rewards 5% cashback on all purchases in Walmart stores for the first year. Afterward, the best rewards are found online.
• There are no foreign transaction fees and the card can be used wherever Mastercard is accepted.
• For paying down the balance, members can choose their payment date and either pay online, via mail or at any Walmart store in person.

No one wants rewards that are hard to manage and difficult to obtain. That’s why the Capital One Spark Cash for Business is a preferred pick among small businesses and personal business owners.

With chances to score annual bonuses and zero limits to how much cashback you can collect, it has great earning potential for those who are constantly spending.

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Pros:

• Spending $5000 in the first three months comes with a $500 bonus in cash.
• In 6 months, if purchases exceed $50,000, members score another $500 bonus in cash.
• Receive an itemized expense summary at the end of the year.
• All purchases come with 2% cashback guaranteed, no matter where you make it.
• There are zero limits on earning points, allowing members to spend and collect as they go.
• Each year, if purchases exceed $200,000, members score $200 in bonus cash.

Cons:

• The annual fee is $150.
• Some purchases come with fewer earnings, which could mean fewer rewards for companies that purchase specific items.

• In the first three months, members can score $500 when they spend $5000. Additionally, $50,000 in the first six months comes with $1000.
• Earn 2% cashback on all purchases, no matter where you make them and how much they are.
• There is no limit, which is perfect for businesses that are just starting out.
• Once members earn rewards, they won’t go anywhere, as rewards never expire and there is no cap to how many points a member can collect.
• Options to add employee cards are available and do not require a free to activate them.
• The card comes with an annual fee of $150.
• There is no APR, as the balance for the month is due at the end of each month. This not only slashes APR but helps to build your business credit as well.
• Each year, purchases of $200,000 or more will earn members a $200 cash bonus.