Top 10: Best Credit Cards for Rewards

When it comes to redeeming Chase Ultimate Rewards®, it’s really simple to do on the Chase app or website.

• Get 25% more value when redeeming points for travel through Chase Ultimate Rewards®. This includes airfare, car rentals, hotels, and cruises. This means that 1 point will be worth 1.25 points.
• Transfer your points to any of their top-tier travel partners.
• Redeem points for cash back or gift cards.

When you charge purchases for a trip to your Chase Sapphire Preferred® Card, your trip qualifies for travel coverages.

• Trip cancellation/interruption insurance applies if your trip is cancelled or cut short by sickness, severe weather and other covered situations.
• Baggage delay and lost luggage coverage reimburses for essentials like toiletries and clothing when delayed over 6 hours or luggage is damaged or lost by the carrier.
• Auto rental collision damage waiver allows you to decline the rental company’s collision insurance when you charge the rental to your card, and you’ll get primary coverage.
• $50 annual Ultimate Rewards Hotel Credit when you book a hotel through Chase Ultimate Rewards®.

Additional Incentives:
When you use the additional incentives included with this card, along with all the other perks we’ve mentioned—you’ll more than cover the annual fee.

• Complimentary 1-year DashPass membership, which includes $0 delivery and reduced service fees on DoorDash.
• Complimentary 6-month Instacart+ membership, plus $15 per quarter in statement credits on Instacart purchases.
• Rotating shopping deals with Chase Offers, where you can get cash back in the form of statement credit on related purchases.
• 10% Anniversary points boost on total purchases made the previous year.

No Foreign Transaction Fees when using the card internationally.

This card earns Membership Rewards, which ranks among the highest valued reward program currency on the market. You can get outsized value from your points when using transfer partners.

• Transfer your points to any of their top-tier travel partners.
• Redeem points for statement credit, Amazon.com, Membership Rewards online shopping mall, and more.

In addition to all the earning potential when dining out, you can also get these monthly credits which nearly offset the annual fee.

• $120 Uber Cash when you add your Gold Card to your Uber account. You’ll automatically get a $10 credit in your Uber account each month to use on Uber Eats or Uber rides in the U.S.
• $120 Dining Credit in the form of up to $10 monthly statement credit when you use your Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.

When you take full advantage of these extra benefits, in addition to the perks we’ve already highlighted, you can see why this card brings so much value.

• $100 experience credit to use during your stay when you book a two-night minimum The Hotel Collection stay through American Express Travel.
• Complimentary ShopRunner membership for free 2-day shipping on eligible items at 100+ online stores.
• Rotating shopping deals with Amex Offers, where you can get cash back in the form of statement credit on related purchases.

No Foreign Transaction Fees when using the card internationally.

This card earns flexible rewards that are amongst the highest valued in the market

• Transfer your miles to any of their top-tier travel partners.
• Redeem miles for Travel—including Airfare, Hotels, Cruises, and more, either as a statement credit or through Capital One Travel.
• Redeem miles with PayPal on eligible purchases at millions of online stores, and at Amazon.com.

Aside from valuable miles you’ll get, this card will also help you save time at the airport and pad your hotel stay

• $100 TSA Pre-Check or Global Entry Credit. With either, you can move faster through security at airports (every 4 years on renewal you’ll get a statement credit).
• Access to the Lifestyle Hotel Collection with benefits such as a $50 experience credit, room upgrades, and more.

No Foreign Transaction Fees when using the card internationally.

This card earns Membership Rewards, which ranks among the highest valued reward program currency on the market. You can get outsized value from your points when using transfer partners.

• Transfer your points to any of their top-tier travel partners.
• Redeem points for statement credit, Amazon.com, Membership Rewards online shopping mall, and more.

Indulge in luxury with a lengthy list exclusive Platinum Card perks and statement credits

• $200 Hotel Credit. Get up to $200 statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings.
• $200 Airline Fee Credit. Select a qualifying airline to get up to $200 statement credits per calendar year on incidental airline fees.
• $189 CLEAR Credit. With a CLEAR Plus Membership you can move faster through security at select airports.
• $100 TSA Pre-Check or Global Entry Credit. With either, you can move faster through security at airports (every 4 years on renewal you’ll get a statement credit).
• $240 Digital Entertainment Credit. Get up to $20 monthly statement credit when you subscribe to any of Disney+, Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal.
• $200 Uber Cash when you add your Platinum Card to your Uber account. You’ll automatically get a $15 credit in your Uber account each month ($20 in December) to use on Uber Eats or Uber rides in the U.S.
• $300 Equinox Credit. Choose between Equinox+ subscription or Equinox club membership.
• $100 Saks Credit when you shop online or in-store at Saks (up to $50 statement credit each Jan-Jun and Jul-Dec).

In addition to these fantastic perks, you’ll get access to lounges, status upgrades, and more.

• Premium Airport Lounge Access, including Centurion Lounges, Priority Pass Lounges, Airspace Lounges, Escape Lounges, Plaza Premium Lounges, and Delta Sky Clubs (limitations apply for Delta Sky Clubs).
• Complimentary elite status with Hilton and Marriott. Get Gold status with both Hilton Honors and Marriot Bonvoy for enhanced loyalty rewards at thousands of hotels worldwide.
• Complimentary car rental status. Get Hertz Gold Plus President’s Circle, Avis Preferred Plus and National Emerald Club Executive statuses for many perks including upgrades and savings.
• Complimentary Walmart+ monthly membership, which includes shopping and shipping perks online and in-store (statement credits valued at $155).
• Rotating shopping deals with Amex Offers, where you can get cash back in the form of statement credit on related purchases.

No Foreign Transaction Fees when using the card internationally.

This card earns flexible rewards that are amongst the highest valued in the market.

• Transfer your miles to any of their top-tier travel partners.
• Redeem miles for Travel—including Airfare, Hotels, Cruises, and more, either as a statement credit or through Capital One Travel.
• Redeem miles with PayPal on eligible purchases at millions of online stores, and at Amazon.com.

You’ll get a premium set of travel benefits from this card which more than offset the annual fee.

• $300 Annual travel credit when you book your travel through Capital One Travel.
• Premium Airport Lounge Access for you and 2 guests per visit. Includes Capital One Lounges, Priority Pass Lounges, and Plaza Premium Lounges.
• Hertz President’s Circle Status. Skip the rental counter and enjoy the widest selection and complimentary upgrades. 
• Auto rental collision coverage allows you to get reimbursed for damage or theft when you pay for a rental car with the Venture X card.

Because this is a premium reward card, we’re not stopping there. Here’s more…

• 10,000 miles anniversary bonus every year when you renew.
• Access to the Premier Hotel Collection with benefits such as a $100 experience credit, daily breakfast for 2 and other premium benefits.
• Access to the Lifestyle Hotel Collection with benefits such as a $50 experience credit, room upgrades, and more.
• $100 TSA Pre-Check or Global Entry Credit. With either, you can move faster through security at airports (every 4 years on renewal you’ll get a statement credit).

No Foreign Transaction Fees when using the card internationally.

Cash Back is earned in the form ThankYou Points, which can be redeemed for a variety of rewards.

• Transfer your points to any of their top-tier travel partners.
• Redeem points for Travel—including Airfare, Hotels, Cruises, and more through ThankYou portal.
• Redeem points for Gift Cards and on Amazon.com and BestBuy.com.

If you’re staying over when traveling, you’ll want to cozy up to this extra benefit.

• $100 Annual hotel savings once per calendar year on a single hotel stay of $500 or more when booked through thankyou.com.

No Foreign Transaction Fees when using the card internationally.

Cash back is received in the form of Reward Dollars, which keeps things straightforward.

• Redeem Reward Dollars as a statement credit or on Amazon.

In addition to the cash back earned, you’ll get some other useful savings having this card in your wallet.

• $84 Disney Bundle Credit. Get a $7 monthly statement credit on Disney Bundle or any other monthly subscriptions or add-ons purchased through Disney+, Hulu, or ESPN+.
• Rotating shopping deals with Amex Offers, where you can get cash back in the form of statement credit on related purchases.

Cash Back is earned in the form ThankYou® Points, which can be redeemed for a variety of rewards.

• Redeem points for statement credit, direct deposit, or check.
• Redeem points for Gift Cards, Travel, and on Amazon.

Cash back on the Chase Freedom Flex can be redeemed for statement credits, gift cards, and more to put money back in your pocket.

• Redeem Cash Back as a statement credit.
• Redeem Cash Back for Gift Cards or on Amazon.
• Redeem Cash Back through Chase Ultimate Rewards for travel.
• Convert to Chase Ultimate Rewards if you have a Chase Sapphire Preferred or Reserve card to get even more value and redemption options.

You’ll get even more savings with access to special offers from Chase Partners.

• 5% Cash Back on Lyft rides through March 31, 2025.
• Complimentary 3-month DashPass membership, which includes $0 delivery and reduced service fees on DoorDash.
• Complimentary 3-month Instacart+ membership, plus $10 per quarter in statement credits on Instacart purchases.

Bilt Points is a highly valued point currency due to it’s broad network of transfer partners, where you can get outsized value from your points.

• Transfer your points to any of their top-tier travel partners.
• Ability to earn higher transfer rates with Rent Day offers depending on your tier status (which is based on your yearly points earned or transactions amount).
• Redeem points on Amazon.com, the Bilt Collection, or Fitness classes.

If you’re considering this card primarily for its rent-related advantages, you’re in for some impressive benefits and ease of use.

• Pay rent and earn points with your card at any apartment, no transaction fees. Even if your property only accepts checks, you can use your card. You’ll earn points fast, since it’s a significant monthly expense.
• Earn even more on Rent Day (1st of each month) with 6x on dining, 4x on travel, and 2x on other purchases (except rent).

Even though this card has no annual fee, it comes with some really beneficial coverages to give you peace of mind.

• Trip cancellation & interruption: Get up to $5,000 back if your non-refundable trip is canceled or interrupted when you book with your Bilt Mastercard.
• Trip delay: Covers expenses like meals when your trip is delayed over six hours due to reasons such as weather, transportation issues, or air traffic.
• Auto rental collision damage waiver: Enjoy auto coverage for damages or theft on most rental cars when you pay with your Bilt Mastercard.
• Cell phone protection. Pay your cell phone bill with your Bilt Mastercard for up to $800 protection (with a $25 deductible) against covered damage or theft.

No Foreign Transaction Fees when using the card internationally.