To determine which rewards credit card is best for you, focus on your spending habits and your redemption goals. See which of these descriptions match up best with you.
- Cash-back card: You don’t travel frequently and prefer cash rewards.
- General travel rewards card: You want to earn rewards you can use for different airline, hotel, and car rental companies.
- Airline card: You travel a few times a year, stick with one major airline or alliance, and want VIP treatment.
- Hotel card: You travel frequently and like to stay with one specific hotel chain.
- Retail card: You regularly shop at the same retailer and want to receive rewards for your loyalty.
Here’s another summary of our top picks for rewards credit cards:
| Best Rewards Credit Cards | ||
|---|---|---|
| Credit Card | Category | Annual Fee |
| HSBC Cash Rewards Mastercard | Best Overall | $0 |
| HSBC Cash Rewards Mastercard | Best for Simple Cash-Back Rewards | $0 |
| Wells Fargo Propel American Express Card | Best for Earning Different Levels of Cash Back | $0 |
| Discover it Secured | Best for Less-Than-Perfect Credit | $0 |
| Chase Sapphire Preferred Card | Best Travel Card With an Annual Fee Under $100 | $95 |
| Chase Sapphire Reserve | Best for Luxury Travelers | $550 |
| Capital One VentureOne Rewards Credit Card | Best Travel Card With No Annual Fee | $0 |
| Capital One Spark Cash Credit Card | Best Business Cash Credit Card | $0 |
| Ink Business Preferred Credit Card | Best Business Travel Card | $95 |