There are many rewards credit cards available in the USA, each with their own unique benefits and rewards programs. Here are some of the best rewards credit cards in the USA:
Chase Sapphire Preferred Card: This card offers a generous sign-up bonus and allows cardholders to earn points on all purchases. Points can be redeemed for travel, cashback, and more.
Capital One Venture Rewards Credit Card: This card offers a flat rate of rewards on all purchases, with no limit on the amount you can earn. Rewards can be redeemed for travel expenses, cashback, and more.
American Express Gold Card: This card offers rewards on dining, groceries, and travel purchases, as well as a generous sign-up bonus. Points can be redeemed for travel, shopping, and more.
Citi Double Cash Card: This card offers cashback rewards on all purchases, with no annual fee. Cardholders earn cashback on purchases and then again when they pay off their balance.
Discover it Cash Back: This card offers cashback rewards on rotating categories throughout the year, such as gas stations, restaurants, and Amazon purchases. Cardholders can also earn a cashback match at the end of their first year.
When choosing a rewards credit card, it’s important to consider your individual needs and spending habits to determine which card will provide the most value for you. Be sure to carefully review the terms and conditions of each card, including any fees and interest rates, before applying.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a popular rewards credit card that offers a range of benefits and rewards for cardholders. Here’s an overview of what the card offers:
- Sign-up bonus: The Chase Sapphire Preferred Card offers a generous sign-up bonus for new cardholders who meet the spending requirements. As of this writing, the bonus is worth $1,000 in travel rewards when you spend $4,000 on purchases in the first three months.
- Rewards program: Cardholders earn points on all purchases made with the card. You’ll earn two points per dollar spent on travel and dining purchases, and one point per dollar spent on all other purchases. Points can be redeemed for travel, cashback, gift cards, and more.
- Travel benefits: The Chase Sapphire Preferred Card offers a range of travel benefits, including trip cancellation/interruption insurance, baggage delay insurance, and travel accident insurance. Cardholders can also earn extra points on travel purchases made through the Chase Ultimate Rewards portal.
- No foreign transaction fees: The Chase Sapphire Preferred Card does not charge foreign transaction fees, making it a great choice for international travel.
- Annual fee: The card has an annual fee of $95, which is waived for the first year.
- Additional perks: The Chase Sapphire Preferred Card also offers additional perks, such as access to exclusive events, rental car insurance, and more.
Overall, the Chase Sapphire Preferred Card is a great option for frequent travelers who want to earn rewards on their purchases and take advantage of travel benefits. Be sure to carefully review the terms and conditions of the card, including any fees and interest rates, before applying.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a popular rewards credit card that offers a range of benefits and rewards for cardholders. Here’s an overview of what the card offers:
- Sign-up bonus: The Capital One Venture Rewards Credit Card offers a generous sign-up bonus for new cardholders who meet the spending requirements. As of this writing, the bonus is worth 60,000 miles (equal to $600 in travel rewards) when you spend $3,000 on purchases in the first three months.
- Rewards program: Cardholders earn rewards on all purchases made with the card. You’ll earn two miles per dollar spent on all purchases, with no limit on the amount you can earn. Miles can be redeemed for travel, cashback, gift cards, and more.
- Travel benefits: The Capital One Venture Rewards Credit Card offers a range of travel benefits, including travel accident insurance, auto rental collision damage waiver, and 24-hour travel assistance services.
- No foreign transaction fees: The Capital One Venture Rewards Credit Card does not charge foreign transaction fees, making it a great choice for international travel.
- Annual fee: The card has an annual fee of $95, which is waived for the first year.
- Additional perks: The Capital One Venture Rewards Credit Card also offers additional perks, such as access to exclusive events, extended warranty coverage, and more.
Overall, the Capital One Venture Rewards Credit Card is a great option for frequent travelers who want to earn rewards on their purchases and take advantage of travel benefits. Be sure to carefully review the terms and conditions of the card, including any fees and interest rates, before applying.
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American Express Gold Card
The American Express Gold Card is a premium rewards credit card that offers a range of benefits and rewards for cardholders. Here’s an overview of what the card offers:
- Sign-up bonus: The American Express Gold Card offers a generous sign-up bonus for new cardholders who meet the spending requirements. As of this writing, the bonus is worth 60,000 Membership Rewards points when you spend $4,000 on purchases in the first six months.
- Rewards program: Cardholders earn points on all purchases made with the card. You’ll earn four points per dollar spent at U.S. supermarkets (on up to $25,000 per year in purchases, then one point per dollar), four points per dollar spent at restaurants worldwide, and one point per dollar spent on all other purchases. Points can be redeemed for travel, cashback, gift cards, and more.
- Travel benefits: The American Express Gold Card offers a range of travel benefits, including $120 in annual dining credits, up to $100 in airline fee credits per calendar year, and access to the Global Assist Hotline for emergency assistance while traveling.
- No foreign transaction fees: The American Express Gold Card does not charge foreign transaction fees, making it a great choice for international travel.
- Annual fee: The card has an annual fee of $250.
- Additional perks: The American Express Gold Card also offers additional perks, such as access to exclusive events, purchase protection, and more.
Overall, the American Express Gold Card is a great option for frequent travelers and foodies who want to earn rewards on their purchases and take advantage of travel benefits. Be sure to carefully review the terms and conditions of the card, including any fees and interest rates, before applying.
Citi Double Cash Card
The Citi Double Cash Card is a cashback credit card that rewards cardholders for their purchases. Here’s an overview of what the card offers:
- Cashback rewards: Cardholders earn cashback on all purchases made with the card. You’ll earn 1% cashback when you make a purchase and an additional 1% cashback when you pay for that purchase, for a total of 2% cashback on every purchase. There are no limits to the amount of cashback you can earn.
- Introductory offer: The Citi Double Cash Card offers an introductory 0% APR on balance transfers for the first 18 months (balance transfer fee applies). This can be a great option for those looking to consolidate their high-interest credit card debt onto a card with a lower interest rate.
- No annual fee: The Citi Double Cash Card has no annual fee, making it a low-cost option for those looking for a cashback credit card.
- Foreign transaction fees: The card charges a 3% foreign transaction fee, making it less ideal for international travel.
- Additional perks: The Citi Double Cash Card also offers additional perks, such as purchase protection, extended warranty coverage, and access to Citi Entertainment for exclusive access to events and experiences.
Overall, the Citi Double Cash Card is a solid option for those looking for a cashback credit card with no annual fee. The introductory offer on balance transfers can be a great way to save on interest, and the unlimited 2% cashback rewards can add up quickly over time. Just be aware of the foreign transaction fee if you plan to use the card for international purchases.
Discover it Cash Back Card
The Discover it Cash Back card is a rewards credit card that offers cashback on every purchase. Here’s an overview of what the card offers:
- Cashback rewards: Cardholders earn 5% cashback on rotating categories each quarter, up to a quarterly maximum (activation required). Additionally, you’ll earn 1% cashback on all other purchases. Discover also matches all the cashback earned during your first year as a cardholder, effectively doubling your rewards.
- No annual fee: The Discover it Cash Back card has no annual fee, making it a low-cost option for those looking for a rewards credit card.
- Introductory offer: The card offers an introductory 0% APR on purchases and balance transfers for the first 14 months. This can be a great option for those looking to make a big purchase or transfer high-interest debt onto a card with a lower interest rate.
- Additional perks: The Discover it Cash Back card also offers additional perks, such as free access to your FICO credit score, no penalty APR for late payments, and 100% US-based customer service available 24/7.
Overall, the Discover it Cash Back card is a strong option for those looking for a rewards credit card with no annual fee. The rotating 5% cashback categories can be a great way to earn rewards on purchases you were already planning to make, and the intro offer on purchases and balance transfers can save you money on interest. The added perks, like free credit score access, can also be valuable tools for managing your finances.
Best Rewards Credit Cards USA Conclusion:
In conclusion, there are many great rewards credit cards available in the USA, each with their own unique benefits and features. The best card for you will depend on your spending habits, financial goals, and personal preferences.
When considering a rewards credit card, it’s important to look at the rewards structure, annual fees, introductory offers, and additional perks offered by each card. Some of the top rewards credit cards in the USA include the Chase Sapphire Preferred Card,
Capital One Venture Rewards Credit Card, American Express Gold Card, Citi Double Cash Card, and Discover it Cash Back Card. By doing your research and selecting the card that best fits your needs, you can maximize your rewards and get the most out of your credit card.