Top 10 credit card rewards programs
Top credit card rewards programs offer various benefits, including cashback, travel rewards, and exclusive perks. Popular cards like the Chase Freedom Unlimited®, Chase Sapphire Preferred® Card, and Chase Sapphire Reserve® provide excellent rewards structures.
Advertisement
The Chase Freedom Unlimited® offers unlimited 1.5% cashback on all purchases, while the Chase Sapphire Preferred® gives 2x points on travel and dining, ideal for frequent travelers. For those seeking premium benefits, the Chase Sapphire Reserve® provides 3x points on travel and dining, plus travel protections. Delta SkyMiles® Blue American Express Card is great for airline enthusiasts, offering 2x miles on Delta purchases. These programs often include additional perks, such as sign-up bonuses, travel credits, and flexible redemption options, making them top choices for rewarding spending.
Chase Freedom Unlimited®View AllChase Freedom Unlimited® - Unlimited rewards on every purchase.
Chase Sapphire Preferred® CardView AllChase Sapphire Preferred® Card - The card for travel lovers.
Chase Sapphire Reserve®View AllChase Sapphire Reserve® - The ultimate travel rewards card.
Delta SkyMiles® Blue American Express CardView AllDelta SkyMiles® Blue American Express Card - Earn miles on everyday purchases.
U.S. Bank Altitude® Connect Visa Signature® CardView AllU.S. Bank Altitude® Connect Visa Signature® Card - Travel rewards for the adventurous.
Capital One Quicksilver Cash Rewards Credit CardView AllCapital One Quicksilver Cash Rewards Credit Card - Straightforward cashback with no annual fee.
Capital One Savor Cash Rewards Credit CardView AllCapital One Savor Cash Rewards Credit Card - Great rewards for dining and entertainment.
The Platinum Card® from American ExpressView AllThe Platinum Card® from American Express - Luxury rewards, exclusive access.
Hilton Honors American Express CardView AllHilton Honors American Express Card - Earn Hilton points with every swipe.
Capital One Venture Rewards Credit CardView AllCapital One Venture Rewards Credit Card - Unmatched rewards for every mile you travel.
Top 10 credit card rewards programs
1.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® offers a straightforward cashback rewards program with 1.5% cash back on all purchases, plus bonus categories for additional rewards on travel, dining, and drugstore purchases.
Pros
Unlimited cashback- No annual fee
- 5% on travel
- 3% on dining/drugstores
- Easy rewards system
Cons
No transfer partners for points- Limited travel perks
- Foreign transaction fees
- 1.5% on all purchases
- Moderate earning potential for travel
2.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a popular travel rewards card that offers 2X points on travel and dining and provides valuable point transfer options with airline and hotel partners.
Pros
- 2X points on travel/dining
- 60
- 000 points bonus
- Transferable points
- Travel protections
- No foreign transaction fees
Cons
- $95 annual fee
- High credit score required
- Limited bonus categories
- Requires travel planning
- Higher interest rates
3.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is a premium card designed for travelers who want 3X points on travel and dining purchases, a large sign-up bonus, and luxury benefits like airport lounge access and travel protections.
Pros
- 3X points
- 50% more value on points
- Travel benefits
- $300 annual travel credit
- Access to airport lounges
Cons
- $550 annual fee
- High spending requirements
- Limited to travel
- High APR
- Complex rewards system
4.
Delta SkyMiles® Blue American Express Card
The Delta SkyMiles® Blue American Express Card offers 2X miles on Delta purchases and at restaurants, making it a solid choice for travelers who frequently fly with Delta Airlines.
Pros
- 2X miles on Delta
- 2X on restaurants
- Low annual fee
- Miles do not expire
- No foreign transaction fees
Cons
- Limited rewards outside Delta
- No bonus categories
- Limited travel benefits
- High APR
- Fewer transfer partners
5.
U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card offers 4X points on travel and dining, making it a great card for those who spend heavily in these categories, along with other valuable travel benefits.
Pros
- 2X points on travel/dining/streaming
- No foreign transaction fees
- $30 in annual credits
- Travel insurance
- Visa Signature benefits
Cons
- $95 annual fee
- High APR
- Limited bonus categories
- Requires good credit
- Fewer luxury perks
6.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward rewards structure with 1.5% cash back on every purchase, making it a great option for those who want simplicity and ease.
Pros
- 1.5% cashback
- No annual fee
- Simple rewards structure
- No foreign transaction fees
- Unlimited cashback
Cons
- Low cashback rate
- Limited categories
- High APR
- Requires good credit
- No travel perks
7.
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card offers 4% cash back on dining and entertainment, making it an excellent choice for those who dine out often and enjoy entertainment like movies and events.
Pros
- 4% on dining
- 4% on entertainment
- $300 bonus
- No foreign transaction fees
- No annual fee
Cons
- High APR
- Limited to dining/entertainment
- Requires good credit
- No transfer partners
- Not ideal for general spending
8.
The Platinum Card® from American Express
The Platinum Card® from American Express is a premium card that offers 5X points on flights and hotels, along with a host of luxury travel benefits like access to exclusive airport lounges and concierge services.
Pros
- 5X points on travel
- Airport lounge access
- $200 annual credits
- Concierge service
- Luxury benefits
Cons
- $695 annual fee
- High APR
- Limited earning categories
- Requires excellent credit
- Complexity of rewards
9.
Hilton Honors American Express Card
The Hilton Honors American Express Card offers 7X points on Hilton purchases and provides access to benefits like room upgrades and discounted stays at Hilton properties worldwide.
Pros
- 7X points on Hilton stays
- 5X on dining
- No annual fee
- Flexible point redemption
- 24/7 concierge
Cons
- Limited to Hilton stays
- Low point earning outside Hilton
- High APR
- Fewer travel protections
- Limited bonus categories
10.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card offers 2X miles on every purchase, making it a solid choice for those who want a straightforward rewards program and a focus on travel.
Pros
- 2X miles on all purchases
- No foreign transaction fees
- Travel insurance
- Easy rewards redemption
- Flexible point transfers
Cons
- $95 annual fee
- Limited bonus categories
- Requires good credit
- High APR
- Few luxury perks