Overall
Best Rewards Credit Card Overall
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Apply Now
2% Cash Rewards on Purchases + $200 Cash Rewards
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best rewards credit card because it gives 2% cash rewards on purchases, along with an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Wells Fargo Active Cash can also help you save money on fees and interest. It offers introductory APRs of 0% for 15 months from account opening on purchases and qualifying balance transfers, in addition to a $0 annual fee.
A few other cards could offer the potential for more rewards value, particularly those with travel rewards, but pretty much all of them charge annual fees. For more on why Wells Fargo Active Cash is a great option, check out our full Wells Fargo Active Cash review.
What We Don’t Like: The regular APR is not low, so you don’t want to carry a balance from month to month after the introductory promotion ends. There’s also a balance transfer fee.
Who Should Get It: Apply for Wells Fargo Active Cash if you want to have one great all-around credit card to use for everything.
Pros, Cons & More Details
Pros, Cons & Details
Travel Rewards
Best Rewards Card for Travel
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
Apply Now
60,000 points
WalletHub Estimate: up to $750 value
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and solid ongoing rewards at a reasonable price.
The 60,000 bonus points you get after spending $4,000 during the first 3 months can be redeemed for a $600 statement credit or $750 in travel booked through Chase. And when it comes to ongoing rewards, you will earn 1 - 5 points per $1.
What We Don’t Like: Sapphire Preferred has an annual fee of $95.
Who Should Get It: Consider applying for Chase Sapphire Preferred if you have above-average credit and can take full advantage of all the card’s bonus rewards.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Card for Travel (Good Credit)
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
3.7
fees: 3.3
rewards: 4.0
cost: 3.8
Other Features: 0.0
Apply Now
75,000 miles
WalletHub Estimate: up to $750 value
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Capital One Venture Rewards Credit Card offers a sizable initial rewards bonus: 75,000 miles for spending $4,000 within 3 months of opening an account. That’s worth $750 in travel.
Capital One Venture also gives cardholders 5 miles / $1 spent on hotels and rental cars booked through Capital One Travel and 2 miles / $1 spent on everything else. Plus, you can redeem your rewards for pretty much any travel expense charged to your card.
What We Don’t Like: This card charges an annual fee of $95.
Who Should Get It: Consider applying for the Capital One Venture if you have good credit or better, you like to travel, and you can comfortably spend $4,000 in the first 3 months after opening an account.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Travel Credit Cards
Cash Back Rewards
Best Rewards Credit Card Overall
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Apply Now
2% Cash Rewards on Purchases + $200 Cash Rewards
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best rewards credit card because it gives 2% cash rewards on purchases, along with an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Wells Fargo Active Cash can also help you save money on fees and interest. It offers introductory APRs of 0% for 15 months from account opening on purchases and qualifying balance transfers, in addition to a $0 annual fee.
A few other cards could offer the potential for more rewards value, particularly those with travel rewards, but pretty much all of them charge annual fees. For more on why Wells Fargo Active Cash is a great option, check out our full Wells Fargo Active Cash review.
What We Don’t Like: The regular APR is not low, so you don’t want to carry a balance from month to month after the introductory promotion ends. There’s also a balance transfer fee.
Who Should Get It: Apply for Wells Fargo Active Cash if you want to have one great all-around credit card to use for everything.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Card for Bonus Cash Back
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
3.9
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
Apply Now
Terms Apply|
Bonus Cash Rewards + $250 Bonus Offer
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Blue Cash Preferred® Card from American Express is the best rewards credit card for bonus cash back in popular spending categories. It gives all cardholders 1 - 6% cash back, with U.S. supermarkets (on the first $6,000 spent each year), U.S. streaming services, U.S. gas stations, and transit expenses among the categories earning bonus rewards.Cash back is received in the form of reward dollars and can be redeemed as a statement credit or at Amazon.com checkout.
Plus, Blue Cash Preferred starts new cardholders off with a nice initial bonus offer: a $250 statement credit for spending $3,000 on eligible purchases in the first 6 months of opening an account.There is also a $0 intro annual fee the first year.
What We Don’t Like: The Amex Blue Cash Preferred Card’s annual fee is $95 from the second year on.
Who Should Get It: Consider applying for the Blue Cash Preferred Card if you have good credit or better, spend enough to qualify for the initial bonus, and regularly make purchases from U.S. supermarkets, U.S. gas stations, U.S. streaming services and transit services.
Pros, Cons & More Details
View the Best Cash Back Credit Cards
Initial Rewards Bonuses
Best Rewards Card for Travel
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
Apply Now
60,000 points
WalletHub Estimate: up to $750 value
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and solid ongoing rewards at a reasonable price.
The 60,000 bonus points you get after spending $4,000 during the first 3 months can be redeemed for a $600 statement credit or $750 in travel booked through Chase. And when it comes to ongoing rewards, you will earn 1 - 5 points per $1.
What We Don’t Like: Sapphire Preferred has an annual fee of $95.
Who Should Get It: Consider applying for Chase Sapphire Preferred if you have above-average credit and can take full advantage of all the card’s bonus rewards.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Card for an Initial Bonus
Citi Strata Premier℠ Card
Citi Strata Premier℠ Card
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.1
fees: 2.9
rewards: 4.0
cost: 4.8
Other Features: 0.0
Apply Now
70,000 points
WalletHub Estimate: up to $700 value
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 10 points / $1
Bonus Offer
70,000 points
Accepted Credit
Excellent, Good
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 10 points / $1
Bonus Offer
70,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Strata Premier℠ Card is the best credit card for an initial rewards bonus right now because it offers 70,000 points for spending $4,000 in the first 3 months. Cardholders also earn ongoing rewards at a rate of 1 - 10 points per $1 spent on purchases.
What We Don’t Like: This card has an annual fee of $95. On the bright side, the cost can be offset easily by the card’s rewards. Just make sure to avoid interest charges by paying the monthly bills in full by the due date.
Who Should Get It: Consider applying for this card if you have good credit and you’ll be able to qualify for the initial bonus without overspending.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Card for Travel (Good Credit)
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
3.7
fees: 3.3
rewards: 4.0
cost: 3.8
Other Features: 0.0
Apply Now
75,000 miles
WalletHub Estimate: up to $750 value
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Capital One Venture Rewards Credit Card offers a sizable initial rewards bonus: 75,000 miles for spending $4,000 within 3 months of opening an account. That’s worth $750 in travel.
Capital One Venture also gives cardholders 5 miles / $1 spent on hotels and rental cars booked through Capital One Travel and 2 miles / $1 spent on everything else. Plus, you can redeem your rewards for pretty much any travel expense charged to your card.
What We Don’t Like: This card charges an annual fee of $95.
Who Should Get It: Consider applying for the Capital One Venture if you have good credit or better, you like to travel, and you can comfortably spend $4,000 in the first 3 months after opening an account.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Credit Card Sign-Up Bonuses
No Annual Fee Rewards Credit Cards
Best Rewards Card with No Annual Fee
Chase Freedom Unlimited®
Chase Freedom Unlimited®
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
Apply Now
1.5 - 5% Cash Back on Purchases
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Freedom Unlimited® is one of the best rewards credit cards with no annual fee because it gives 1.5 - 5% cash back on purchases. Plus, Chase Freedom Unlimited offers an introductory APR of 0% for 15 months on purchases and balance transfers.
What We Don’t Like: Carrying a balance from month to month when the regular APR is in effect will get expensive fast. Also, if you’re transferring a balance, make sure to account for the transfer fee.
Who Should Get It: Apply for Chase Freedom Unlimited if you want to earn bonus cash rewards on purchases without paying an annual fee.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Credit Card Overall
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Apply Now
2% Cash Rewards on Purchases + $200 Cash Rewards
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best rewards credit card because it gives 2% cash rewards on purchases, along with an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Wells Fargo Active Cash can also help you save money on fees and interest. It offers introductory APRs of 0% for 15 months from account opening on purchases and qualifying balance transfers, in addition to a $0 annual fee.
A few other cards could offer the potential for more rewards value, particularly those with travel rewards, but pretty much all of them charge annual fees. For more on why Wells Fargo Active Cash is a great option, check out our full Wells Fargo Active Cash review.
What We Don’t Like: The regular APR is not low, so you don’t want to carry a balance from month to month after the introductory promotion ends. There’s also a balance transfer fee.
Who Should Get It: Apply for Wells Fargo Active Cash if you want to have one great all-around credit card to use for everything.
Pros, Cons & More Details
Pros, Cons & Details
View the Best No Annual Fee Credit Cards
0% Intro APR Rewards Credit Cards
Best Rewards Card for Bonus Cash Back
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
3.9
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
Apply Now
Terms Apply|
Bonus Cash Rewards + $250 Bonus Offer
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Blue Cash Preferred® Card from American Express is the best rewards credit card for bonus cash back in popular spending categories. It gives all cardholders 1 - 6% cash back, with U.S. supermarkets (on the first $6,000 spent each year), U.S. streaming services, U.S. gas stations, and transit expenses among the categories earning bonus rewards.Cash back is received in the form of reward dollars and can be redeemed as a statement credit or at Amazon.com checkout.
Plus, Blue Cash Preferred starts new cardholders off with a nice initial bonus offer: a $250 statement credit for spending $3,000 on eligible purchases in the first 6 months of opening an account.There is also a $0 intro annual fee the first year.
What We Don’t Like: The Amex Blue Cash Preferred Card’s annual fee is $95 from the second year on.
Who Should Get It: Consider applying for the Blue Cash Preferred Card if you have good credit or better, spend enough to qualify for the initial bonus, and regularly make purchases from U.S. supermarkets, U.S. gas stations, U.S. streaming services and transit services.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Card with No Annual Fee
Chase Freedom Unlimited®
Chase Freedom Unlimited®
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
Apply Now
1.5 - 5% Cash Back on Purchases
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Freedom Unlimited® is one of the best rewards credit cards with no annual fee because it gives 1.5 - 5% cash back on purchases. Plus, Chase Freedom Unlimited offers an introductory APR of 0% for 15 months on purchases and balance transfers.
What We Don’t Like: Carrying a balance from month to month when the regular APR is in effect will get expensive fast. Also, if you’re transferring a balance, make sure to account for the transfer fee.
Who Should Get It: Apply for Chase Freedom Unlimited if you want to earn bonus cash rewards on purchases without paying an annual fee.
Pros, Cons & More Details
Pros, Cons & Details
Best Rewards Credit Card Overall
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Apply Now
2% Cash Rewards on Purchases + $200 Cash Rewards
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best rewards credit card because it gives 2% cash rewards on purchases, along with an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Wells Fargo Active Cash can also help you save money on fees and interest. It offers introductory APRs of 0% for 15 months from account opening on purchases and qualifying balance transfers, in addition to a $0 annual fee.
A few other cards could offer the potential for more rewards value, particularly those with travel rewards, but pretty much all of them charge annual fees. For more on why Wells Fargo Active Cash is a great option, check out our full Wells Fargo Active Cash review.
What We Don’t Like: The regular APR is not low, so you don’t want to carry a balance from month to month after the introductory promotion ends. There’s also a balance transfer fee.
Who Should Get It: Apply for Wells Fargo Active Cash if you want to have one great all-around credit card to use for everything.
Pros, Cons & More Details
Pros, Cons & Details
View the Best 0% APR Credit Cards
Fair Credit
Best Rewards Card for Fair Credit
Citi Double Cash® Card
Citi Double Cash® Card
4.9WalletHub Rating
WalletHub Rating
4.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Apply Now
2% Cash Back on Purchases
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Editors’ Thoughts
Why We Like It: The Citi Double Cash® Card is the best rewards credit card for people with fair credit. It gives unlimited 2% cash back rewards on purchases, and it has a $0 annual fee. You can also get an initial bonus of $200 for spending $1,500 in the first 6 months.
What We Don’t Like: This card could have a very high APR, depending on your overall creditworthiness. Fortunately, you can avoid expensive interest charges by paying the bill in full every month.
Who Should Get It: Consider applying for Citi Double Cash Card if you have fair credit and you want to earn very good rewards.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Credit Cards for Fair Credit
No Credit
Best Rewards Card for Limited Credit
Chase Freedom Rise℠
Chase Freedom Rise℠
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
Market Comparison
4.4
fees: 5.0
rewards: 5.0
cost: 4.5
APR: 3.1
Other Features: 5.0
Apply Now
1.5% Cash Back on Purchases
Regular APR
26.99% (V)
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Accepted Credit
Excellent, Good, Limited History
Regular APR
26.99% (V)
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Accepted Credit
Excellent, Good, Limited History
Editors’ Thoughts
Why We Like It: The Chase Freedom Rise℠ is the best rewards credit card available to people with limited credit who aren’t students. It boasts a straightforward rewards program, offering 1.5% cash back on all purchases. It also has a $0 annual fee.
What We Don’t Like: The Chase Freedom Rise℠ has a high regular APR. Fortunately, you can avoid interest charges by paying the bill in full by your monthly due dates.
Who Should Get It: Consider applying for the Chase Freedom Rise℠ if you have limited credit and you want to earn rewards on purchases. If you’re a college student, however, you might be able to get a better deal from one of the best student credit cards.
Pros, Cons & More Details
Pros, Cons & Details
BEST REWARDS CARD WITH NO ANNUAL FEE FOR NO CREDIT
Petal® 2 Visa® Credit Card
Petal® 2 Visa® Credit Card
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.9
fees: 5.0
rewards: 5.0
cost: 4.9
Other Features: 4.5
Learn More
1 - 1.5% Cash Back on Purchases
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Editors’ Thoughts
Why We Like It: The Petal 2 Visa Card is one of the best rewards credit cards for people with limited or fair credit due to its low fixed costs and generous rewards rates. For starters, the Petal 2 Card has a $0 annual fee. In addition, the card gives 1% - 1.5% cash back on all eligible purchases, depending on cardholders’ payment history.
What We Don’t Like: It takes a while to get the top rewards rate. New cardholders earn 1% back until they’ve paid six straight monthly bills on time, at which point they start to earn 1.25% back on all purchases. Then, after 12 consecutive on-time payments, the earning rate jumps to 1.5% back.
Who Should Get It: Consider applying for the Petal® 2 Visa® Credit Card if you have limited or no credit history, are not enrolled in school, and want to save money with rewards as you build credit. College students might be able to get better terms.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Credit Cards for No Credit
Student
Best Rewards Card for Students
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
5.0WalletHub Rating
WalletHub Rating
5.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Build Credit by Paying in Full Each Month (Students)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Apply Now
1 - 8% Cash Back on Purchases
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: The Capital One SavorOne Student Cash Rewards Credit Card is the most rewarding credit card available to students with limited credit history, and it also has a $0 annual fee.
Spending at least $100 in the first 3 months after opening an account triggers an initial bonus of $50. Cardholders also earn 1 - 8% cash back on purchases.
What We Don’t Like: This card has a fairly high regular interest rate, so avoid carrying balance from month to month.
Who Should Get It: Consider applying for this card if you’re a student with limited credit who wants to earn cash rewards.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Student Credit Cards
Bad Credit
BEST CREDIT CARD FOR BAD CREDIT & REWARDS
Discover it® Secured Credit Card
Discover it® Secured Credit Card
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.4
fees: 5.0
rewards: 5.0
cost: 4.6
Other Features: 3.0
Apply Now
1 - 2% Cash Back on Purchases
One-Time Fees
$0
Regular APR
28.24% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
One-Time Fees
$0
Regular APR
28.24% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
Editors’ Thoughts
Why We Like It: The Discover it® Secured Credit Card is the best rewards credit card for people with bad credit because it has a $0 annual fee and rewards cardholders with 1 - 2% cash back on purchases. Discover will also double the rewards new cardmembers earn the first year, as an anniversary bonus.
What We Don’t Like: You have to place a security deposit of at least $200. Then, your spending limit equals the amount of your deposit.
Who Should Get It: Consider applying for Discover it® Secured Credit Card if you want to earn a lot of rewards while you fix your credit.
Pros, Cons & More Details
Pros, Cons & Details
View the Best Credit Cards for Bad Credit
Best Rewards Credit Cards FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
62
Upvotes
Are rewards credit cards worth it?
Reply
62
1
WalletHub
@WalletHub
Yes, rewards credit cards are worth it as long as you don't overspend just to earn the rewards and you avoid interest charges by paying your bill in full every month. The best rewards credit cards are worth more than $2,000 in savings for the average person over the first two years of use, after annual fees.
You need good or excellent credit to get the most worthwhile rewards cards, however. Things aren't as clear-cut for people with lower scores.
How to Choose a Worthwhile Rewards Credit Card
When determining if a rewards credit card is worth it or not, you have to weigh the worth of the rewards against the cost of the card. If the rewards card has no annual fee and you plan to pay the bill in full every month, it's pretty easy to decide the card is worth it.
However, you'll often get the best rewards and biggest signup bonuses from cards that do have annual fees. In that case, you just have to crunch the numbers to make sure you'll get your money's worth.
Popular Rewards Credit Cards to Consider
Everyday Rewards:Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website- Rewards with No Annual Fee:Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Travel Rewards:Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Terms ApplyBonus Cash Back Rewards:Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Rewards with Fair Credit:Citi Double Cash® CardCiti Double Cash® CardLearn MoreLearn Moreon issuer's website
- Rewards with Bad Credit:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
How to Get the Most Value From Your Rewards Card
Regardless of which rewards card you choose, be sure to understand how you can earn rewards most efficiently. Some cards have higher rewards rates for specific categories, and some give a flat rewards rate that you earn on all purchases. The fastest way to earn credit card rewards is through signup bonuses.
Many of the top rewards cards come with signup bonuses that you can get for meeting a minimum spending requirement in the first three months. The signup bonuses are usually worth several hundred dollars, enough to cover the cards' annual fees for years. And you can get them for spending money you were already planning on spending.
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12
Upvotes
What are the pros and cons of rewards credit cards?
Reply
12
WalletHub
@WalletHub
The biggest pros and cons of rewards credit cards are savings with every purchase and extra secondary benefits, on the positive side; and the potential for devaluation and earning caps, on the negative side. Rewards credit cards can be lucrative when used with precision. But they can also end up costing more than they benefit you if you pick the wrong card or carry a balance from month to month.
Rewards credit cards are known for...
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2
13
Upvotes
How do I choose a rewards credit card?
Reply
13
WalletHub
@WalletHub
The best way to choose a rewards credit card is to narrow down your choices to what your credit score qualifies you for, then compare the rewards rates and costs of the remaining options. Next, pick the credit card with the highest expected rewards earnings, based on your spending habits, minus any annual fees.
In addition to net rewards value, there are many secondary features that might influence you to pick one card over another when...
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2
5
Upvotes
What is the smartest way to use a credit card that has rewards?
Reply
5
Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
The smartest way to use a credit card that has rewards is to charge everything that you can afford to it and pay it back quickly (by the due date each month). Avoiding interest is key to maximizing the value of a rewards credit card, since credit card interest rates are higher than credit card rewards rates.
Smartest Way to Use a Rewards Credit Card
- Pick the right credit card. Credit cards offer different...
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1
29
Upvotes
What are the different types of credit card rewards?
Reply
29
John S Kiernan, Managing Editor
@John
There are three different types of credit card rewards: points, miles and cash back. Rewards credit cards are also targeted to three main groups: students, small business owners and people with above-average credit.
Although there are differences between credit card rewards currencies and the ways in which credit card companies dole them out to different groups, the major types of credit card rewards all work pretty much the same way. You'll earn rewards for...
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7
1
31
Upvotes
What are the best rewards programs?
Reply
31
Chip Lupo, Credit Card Writer
@CLoop
The best rewards programs are Delta SkyMiles for free flights, Wyndham Rewards for free hotel nights, Capital One Rewards for credit cards with a lot of cash back or miles, and apps like Swagbucks and Shopkick for online shopping rewards and discounts. There are roughly 4 billion U.S. consumers enrolled in customer rewards programs. But you can't just join them all. It would be too difficult to manage.
The best approach is to find a select...
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1
13
Upvotes
How do I take advantage of credit card rewards?
Reply
13
WalletHub
@WalletHub
In order to fully take advantage of credit card rewards, start by building a good or excellent credit score (needed to qualify for the best rewards credit cards), then compare offers to find the best credit card for your spending habits, use it responsibly and pay the bill in full every month. You can't take maximum advantage of credit card rewards if expensive interest charges are subtracting from your earnings.
Rewards credit cards are...
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1
13
Upvotes
Are credit card rewards taxable?
Reply
13
WalletHub
@WalletHub
No, credit card rewards are not taxable in most cases. The IRS views credit card rewards the same way they view discounts, and discounts aren't taxable. Rewards credit cards give points, cash back, or miles on purchases, which you can then redeem for statement credits, gift cards, merchandise, and travel expenses. Because of that, it's like you're getting a small discount every time you make a purchase.
Types of Rewards & Taxation
- ...
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1
10
Upvotes
Which credit card points are worth the most?
Reply
10
Theresa Chalfant, Writer
@theresa_chalfant
U.S. Bank Altitude Reserve Visa Infinite® Rewards points are the most valuable credit card points, offering 1.5 cents per point when used for travel and 1.11 cents each on average. Chase Ultimate Rewards points are a close second, worth an average of 1.09 cents per point and up to 1.5 cents each when used for travel.
Most Valuable Credit Card Points
Card | Average Value | Best Value |
U.S. Bank Altitude Reserve Visa Infinite® Card | ... | 1.5 cents |
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10
33
Upvotes
How do I maximize credit card rewards?
Reply
33
3
Adam McCann, Financial Writer
@adam_mcan
To maximize your credit card rewards, start by comparing credit card offers to make sure you have the most rewarding cards for your spending habits. Then, use whichever card has the highest rewards rate for the purchase category whenever you buy something, and pay the cards' bills in full monthly to avoid interest. Finally, redeem your rewards regularly in order to maximize your enjoyment.
That's how to go about it at a high level....
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