Best Rewards Credit Cards

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When it comes to using our credit cards, we all want to get a little something back. That’s where rewards cards come in – allowing you to earn points for your purchases, making you feel like you’re getting more value out of what you’re buying.

Rewards tend to come in two basic forms: cash back, where you just get a flat cash reward that you can use to pay back your statement or something else, or a points system you can redeem for rewards.

 For those who prefer the latter, there’s a lot to be gained from points-based rewards credit cards, especially if you get a card that specializes in a spending category you know you’ll use often. To that end, we decided to track down some of the best rewards credit cards on the market, giving you a sampling of the cards you might want to consider.


Wells Fargo Rewards Card

On Wells Fargo's home portal

750 - 850
Best for excellent credit

Highlight: Great points on everyday purchases
  • $0 annual fee

  • 0% introductory APR for 15 months

  • 5x points on gas, grocery and drugstore purchase for 6 months

  • 1x points for all other purchases

  • Earn More Mall access for greater earning potential

  • Go Far Rewards sharing program

Intro APR

0%

Variable APR

18.69% - 27.49%

Annual Fee

$0

Cash Back

1x points

Why It's Good

The Wells Fargo Rewards Card does exactly what it says on the box – offers you rewards points for every purchase. For most types of purchases, you get 1 point for every dollar spent, which you can then bank for rewards down the line.

However, if you plan on spending a lot in gas station, grocery and drugstore purchases, the Wells Fargo Rewards Card is especially useful – for the first six months of ownership, you get five times the points on purchases made in those categories. While it doesn’t last long, it’s a fantastic savings, and a great way to bank points you can use later.

When it comes time to actually use them, the Wells Fargo Rewards card has plenty of options for that. With their Earn More Mall, you can spend rewards on things like clothing, tech and other merchandise, with their selection rotating on a regular basis. It’s a great way to get the most out of your rewards.

If you really want to stretch your dollar, though, Wells Fargo allows you to pool rewards points with others with their Go Far Rewards program. Through Go Far, you can select a larger reward – like airfare or a vacation – and get several people to allocate their rewards to said reward.

 Along with no annual fee and no interest for 15 months, the Wells Fargo Rewards Card presents plenty for rewards-happy cardholders to love.


US Bank FlexPerks Travel Rewards Visa Signature Credit Card

On US Bank's home portal

750 - 850
Best for excellent credit

Highlight: Great perks for those who like to give
  • 2x rewards points in grocery stories

  • 2x points for qualifying charitable contributions

  • 1x rewards for all other purchases

  • Mobile redemption of rewards
    20,000 FlexPerks point signup bonus

  • $49 annual fee (waived in first year)

Intro APR

0%

Variable APR

15.49% - 25.49%

Annual Fee

$49

Cash Back

1x - 2x

Why It's Good

If you’re the kind of person who mostly wants to spend their rewards on travel, US Bank’s FlexPerks Travel Rewards Visa Signature card has a lot to offer. Operating on a tiered rewards point system, the card allows you to earn 1:1 rewards on most purchases, but doubles that for purchases made in grocery stores or in certain charitable donations.

Not only that, the Flex Perks Rewards Card offers a fantastic signup bonus of 20,000 points (provided you spend $2,000 in eligible purchases over the first four months of owning the card). For those who want travel rewards more than anything, that’s basically the equivalent of $375 extra dollars in travel. Use it on your next hotel stay, or toward your next plane ticket.

Sure, you could get a lower annual fee (read: none) with some of the other cards on this list; the FlexPerks Travel Rewards card asks for $49 each year, though you can waive it in the first year. Even so, that’s on the lower end of the spectrum as far as annual fees go, and the FlexPerks rewards system is more than worth it.


US Bank Altitude Reserve Visa Infinite Credit Card

On US Bank's home portal

750 - 850
Best for excellent credit

Highlight: Access to great travel perks and bonuses
  • 3x points on travel purchases and mobile wallet spending

  • 50,000 bonus point signup bonus

  • Up to $325 in account statement credits each year

  • Airport lounge access

  • Mobile redemption

  • Fraud/ID Theft protection

Intro APR

0%

Variable APR

16.24% - 24.99%

Annual Fee

$0

Cash Back

1% - 5%

Why It's Good

For those on the higher end of the socioeconomic spectrum, or even if you just want to enjoy a little more luxury when you travel, there’s always the US Bank Altitude Reserve Visa Infinite Credit Card. It’s a robust, high-end rewards card focused almost exclusively on travel; that being said, its rewards program is one of the best out there.

In addition to the normal 1x point system for every purchase, you get 3x points when you use the card for travel expenses and mobile wallet purchases through platforms like Apple and Android Pay. Not only that, you get an amazing signup bonus of 50,000 points (after spending $4,500 in the first three months of the card).

However, where the Altitude Reserve shines is in its luxury travel options. The card allows you to access hundreds of qualifying airport lounges across the globe, and gives you extra bonuses on entertainment and merchandise.

 Keep in mind, though, that these amenities come at a price, which comes in the form of a whopping $400 annual fee. That might be a little steep for people who rely more on credit cards to secure their purchases, but for those who want to commit a bit more to the high life, you could do far worse than the Altitude Reserve.


Wells Fargo Visa Signature Credit Card

Wells Fargo Signature Rewards

On Wells Fargo's home portal

700-750
Best for good credit

Highlight: $0 annual fee and 1x reward points on all other purchases
  • 5x reward points on gas, grocery and drugstore purchases for 6 months

  • 1x reward points on all other purchases

  • 50% extra points reward value for airfare redemption

  • $0 annual fee

  • 0% introductory APR for 15 months

  • Visa Signature privileges

Intro APR

0%

Variable APR

13.65% - 27.49%

Annual Fee

$0

Cash Back

1x- 5x

Why It's Good

Going back to the Wells Fargo well for a second, rewards cards lovers might want to consider the Wells Fargo Visa Signature card as well. For the most part, its rewards system is extremely similar to the Rewards Card – a six-month period of 5x points for purchases in drugstores, gas stations and grocery stores, then 1x on everything else.

However, its major innovation is combining that with a much more generous 0% introductory APR (15 months), as well as having no annual fee. That’s a great option for people who want to save that much more on interest, while still benefiting from the rewards points bonus the Rewards Card offers.

 Also, you still get access to the Go Far Rewards program, where you can spend your points in the program, or pool them for bigger goals. That, combined with free FICO score access and the kinds of travel and purchase protections you get with a Visa Signature card, make it a great card option for rewards-minded cardholders – even after the introductory period expires.


Citi ThankYou Preferred Card

On Citi's home portal

700-750
Best for good credit

Highlight: Earn 2x points on dining and entertainment with no annual fee
  • 2x points on travel and entertainment

  • No annual fee

  • 1x points on all other purchases

  • Advanced access to gigs, sporting events and dining

  • 0% Intro APR for 15 months on balance transfers and purchases

  • Can transfer points to JetBlue TrueBlue for flights

Intro APR

0%

Variable APR

14.99% - 24.99%

Annual Fee

$0

Cash Back

0.5-1.0%

Why It's Good

If you're the type who's more interested in spending your money on experiences than stuff, the Citi ThankYou Preferred Card could be an ideal option. It gives you 2x points when you spend at bakeries, restaurants and cafes.

Not only do you earn more for cappuccino, cakes and carpaccio, but the rewards are also centered around entertainment. You get to enjoy yourself twice!

To get the best possible value, redeem your reward points through the Citi ThankYou Rewards Program for gift cards at popular restaurants and retailers. The Citi ThankYou Preferred Card also gives access to the Citi Private Pass. Members gain special access to purchase tickets for the best sporting events, music concerts and dining experiences.

As always, there's a catch. The rewards are great for experiences, but cold, hard cash is hard to come by. The cash back rates are significantly lower than other options on this list.

Citi have clearly designed this card to appeal to customers with a very active social life. So, with zero annual fee, 0% APR on purchases and balance transfers for the first 15 months and an introductory bonus of 15,000 points (worth around $150), this card is very appealing to a certain type of person.


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