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How to Get a United Airlines Refund

Sally French

Sally French is a travel rewards expert who joined NerdWallet in 2020. She previously wrote about travel and credit cards for The New York Times and its sibling site, Wirecutter.

Outside of work, she loves fitness, and she competes in both powerlifting and weightlifting (she can deadlift more than triple bodyweight). Naturally, her travels always involve a fitness component, including a week of cycling up the coastline of Vietnam and a camping trip to the Arctic Circle, where she biked over the sea ice. Other adventures have included hiking 25 miles in one day through Italy's Cinque Terre and climbing the 1,260 steps to Tiger Cave Temple in Krabi, Thailand.

She lives in San Francisco.

Meg Lee

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

travel bank refund united

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

United Airlines refund policy

If you want a refund because united chose to cancel your flight, how to claim a united refund or flight credits, what if united airlines won’t refund you, how to know if you purchased refundable united airlines tickets or not, are united flights refundable yes, in certain circumstances.

So you had to cancel your United Airlines flight , and it’s time for the next step — getting a refund. The United Airlines refund policy varies depending on the airfare you booked.

But even if you’re not entitled to a full refund, you might be able to get a future flight credit, so you can apply that money to another flight on United. Just know that travel credits typically expire one year after the date they were issued.

If you are entitled to a refund, United has a simple online refund request form . Here’s how to know whether you’re entitled to a refund on United, and how to actually get it.

travel bank refund united

Are United flights refundable? In some circumstances, yes. Your ability to get a refund with United hinges on a few factors, including when you choose to cancel it, the airfare type you purchased and whether United chose to cancel your flight or you chose to cancel it.

If you decide to cancel your United flight within 24 hours of booking

All United tickets — even the lowest-cost, basic economy seats — can be canceled for a full cash refund if your ticket was purchased within 24 hours and the purchase is at least a week before departure.

That’s helpful if you spot an airfare deal. With that kind of power, you might impulsively book, then take the day to mull over whether you’ll actually go through with the trip. Just make that cancellation before the 24 hour mark if you opt not to.

If you purchased a United basic economy ticket

Outside of the 24 hour cancellation window, United basic economy airfares are not entitled to either a refund or a future flight credit.

Though, there is a hack of sorts that might be able to get you some money back for a canceled flight, and that’s by adding United economy benefits to a basic economy ticket .

If your airfare is eligible for an upgrade, head to the “Trip details” page on United’s website or navigate to “Reservation details” in the United mobile app. From there, you’ll be able to upgrade your basic economy airfare to a standard economy fare — though you’ll owe United money to do so, and the fee varies per flight.

Do your own calculations based on your initial airfare cost to determine if the cost to upgrade is worth retaining the value of the initial basic economy ticket.

If you opt to convert your basic economy to a standard economy fare, you’ll be eligible to cancel your flight and receive future flight credits. This is a wise move if you know you’ll fly United in the future and the cost to upgrade is less than the value of the original ticket. You’ll still have sunk some money by booking the basic economy fare at the beginning, but you’ll at least be able to recoup some in the form of United travel funds .

If you purchased most other United airfares

With most other airfares, you won’t be able to cancel your United flight for a cash refund, but you can get a future flight credit.

In 2020, United permanently dropped its change fees for most economy and premium cabin tickets for certain routes including:

Flights within the U.S.

Flights between the U.S. and Mexico or the Caribbean.

International travel originating in the U.S.

You don’t have to commit to a new flight to change your original one to another immediately either. If you cancel your flight and don’t choose a new one right away, you’ll get a flight credit that you can use up to one year from your original ticket issue date.

If you do select a different flight immediately upon canceling the initial one, you will owe the fare difference if the new flight is more expensive. Happily, you’ll typically receive the difference in the form of a future flight credit if your new flight costs less.

If you purchased a refundable United airfare

When there’s a chance you’ll cancel your flight and you want the cash back rather than a future flight credit, you have another option: United sells fully refundable versions of its economy fares for an additional fee.

The cost of fully refundable economy fares vary by flight, and — though they tend to run about $30 more each way than the standard economy fares — they’re sometimes more (or less) than that.

travel bank refund united

Given that United future flight credits must be used within a year, paying the extra $30 or so for a fully refundable airfare might be worth it if you’re not confident you’ll travel with United anytime soon.

What does “fully refundable” mean on United Airlines? This means that the ticket purchased is entitled to a cash refund after canceling the flight. You can buy a refundable ticket in almost any fare class except N, which is always basic economy.

If United Airlines cancels your flight, it doesn’t matter which airfare you bought. You’re entitled to a full refund.

According to the U.S. Department of Transportation, travelers are entitled to a full refund if the airline calls off your flight, regardless of the reason, and you choose not to travel on another flight paid for by United. Airlines are required to make refunds promptly within seven business days for purchases by credit card, or within 20 days if paid by cash or check.

Other special circumstances

There are a few situations where you might still be able to get a refund from United, even if you booked a basic economy airfare (or you have another airfare but you’d prefer cash back over flight credits).

United refunds tickets and any associated change fees in certain cases that are determined based on the individual situation. This can include death of the traveler or a family member, getting called to jury duty and some types of illnesses.

You’ll need to provide documentation, such as a death certificate, copy of the jury summons or a letter (on letterhead) from a licensed physician confirming that travel was not recommended within the validity of the ticket (one year of ticket's issued date) due to illness.

If you’re eligible for a refund, the easiest way to claim it is via the United refunds webpage . Be prepared to enter your confirmation or ticket number, plus your name.

Credit card refunds will be processed within seven business days of you filling out that form, and all other refunds will be processed within 20 business days. The value will be returned back to your original form of payment.

Using United travel credits

To view any account credits, visit the United travel credits webpage . Again, you’ll have to enter the original flight’s confirmation number and your name to access that information. You can also contact United’s reservations phone number at 1-800-864-8331 for help finding it.

When booking a flight using those credits, you must be logged in to your United MileagePlus account that’s affiliated with the credits. From there, shop for flights as you normally would, but select “Travel Credits” as a payment option.

In most cases, these credits are non-transferrable and therefore must be used by the same traveler they were issued to. The credits can be used to buy tickets on United, United Express and partner-operated flights purchased directly through United.

If your ticket isn’t eligible for a refund — say, you purchased a basic economy airfare — then there might be another route for you to get your money back: Travel insurance .

Travel insurance is usually purchased from separate travel insurance companies, or sometimes through your travel agent. And while cost and coverage can vary by provider, it typically amounts to between 5% and 10% of your total trip cost according to insurance comparison site Squaremouth. Sometimes you don’t even need to pay for trip insurance , as many credit cards offer travel insurance as a built-in benefit to customers who pay for their trip on that card. See the best travel rewards cards that provide travel insurance here .

Of course, not even trip insurance is a surefire guarantee of a refund. Unless you’ve purchased a Cancel For Any Reason policy , which is usually more expensive, you’re only entitled to a refund if you cancel for a covered reason, which can vary by insurer. Typically, covered reasons include situations like severe weather or illness, injury or death — largely similar to the reasons why United might grant you a refund as well. And just as United demands proof of your reason to cancel, travel insurance companies typically require that proof too.

You can confirm the type of ticket you purchased by:

Viewing fine print on your original booking confirmation email.

Calling United Airlines Reservations.

Logging into your United MileagePlus account to see your booking details.

Depending on the type of airfare you booked, United refund requests can work out in your favor.

There are refundable and nonrefundable fares in every class except basic economy (first, Polaris, business, premium economy, Premium Plus, Economy Plus, etc). Consider booking nonrefundable United Airlines flights only if you have high confidence in your trip and won’t need the cash equivalent on hand.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase United Airlines Mileage Plus Credit Card

on Chase's website

1x-2x Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases

60,000 Limited-time offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Chase United Mileage Plus Explorer Business Credit Card

1x-2x Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

75000 Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Chase United Quest Credit Card

1x-3x 3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all other travel. 1 mile per $1 spent on all other purchases. Plus, each year, receive up to a $125 United® purchase credit and up to 10,000 miles in award flight credits (terms apply) and earn up to 6,000 Premier qualifying points.

70,000 Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

travel bank refund united

milenomics.com

Learn, Use, Repeat. A detailed trip into the world of Points, Miles, and Travel. How to earn more Miles and how to use those miles more effectively

travel bank refund united

Things to Keep in Mind About Airline Travel Bank Credits

Editor’s Note: The following Post is Guest written by Matt from Miles Earn and Burn. Special thanks to Matt for putting this resource together.

In Episode 48 of the Milenomics No-Annual Fee Edition Podcast, Robert and Sam talked about the perils involved in holding funds in airline travel banks or certificates. To summarize this excellent discussion, each airline has different expiry rules, travel banks are held and redeemed in different ways, and sometimes you can extend the validity of the funds, but sometimes not. Of course these funds are still useful in travel hacking, especially for cashing out certain types of travel credits from premium credit cards.

Perhaps it goes without saying, but if you have the choice between a full cash-out and a travel bank, always take the full cash out. Travel banks aren’t the same as cash and shouldn’t be treated as such. Cash, for example doesn’t expire, cash can be used to buy seat-upgrades and pay change fees, cash doesn’t tie you to a particular airline, cash can be invested to earn a return. Cash is fungible, travel bank funds are not. For those times when cash isn’t an option, here are the basic rules for the major US airlines in order of my perceived ease of use:

United Travel Bank

United’s Travel Bank is arguably the most straight forward to use and keep active. It unfortunately can’t be used on non-United or United Express flights, and as of January 14, 2021 it doesn’t seem to work as a way to cash out American Express Platinum airline credit.

Note: United’s Travel Bank Terms and Conditions only mention an expiration at 18 months, but they show a different expiration date next to each load at this link . It’s unclear whether either or both apply. To be safe, I’d assume both.

JetBlue Travel Bank

JetBlue’s Travel Bank is managed by Sabre, not JetBlue itself, a fact which is painfully obvious when you try and interact with it and see how disconnected from JetBlue’s website it truly is.

Alaska Airlines Credit Certificates

Alaska doesn’t have a travel bank, but they have a wallet which lets you combine certificates into something that looks like a bank. You can see your wallet funds at this link . During the height of the travel downturn caused by the COVID pandemic Alaska let you convert certificates into miles, however that offer has expired and I don’t expect it to come back.

Southwest Airlines Travel Funds

Southwest travel funds are easy to see and manage , but there’s a huge caveat with them: if you book airfare using multiple funds, the earliest expiration date applies to the new booking — you must complete travel before expiration and if you cancel the newly booked ticket, you’ll get a new travel fund certificate that expires on the date of the earliest expiration original funds.

Delta Air Lines eCredits

Delta has no formal travel bank program, but they do have eCredits for non-refundable fares cancelled more than 24 hours after booking. You can use up to three of them per ticket, but the eCredit must be booked in the name of the certificate holder. If everything is working with Delta’s IT, you should be able to see them at this link . (Note: This never works for me, but I’ve seen it work for others. I have to call reservations to find out what I’ve got.)

Note that unlike most other airlines, Delta’s eCredits just require that you book by expiration, even if your flight is months after the expiry of the eCredit, it can still be used to pay for airfare.

American Airlines Vouchers

American doesn’t have a full travel bank like some other airlines, but they do have eVouchers, Travel Vouchers, and Trip Credits, all of which are largely similar.

Matt is the creator of Miles Earn And Burn , a travel hacking short-post blog that posts once per day, Monday through Friday.

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Helpful overview, thanks for the work Matt

Thank you Mike and Maria!

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Airlines Will Now Be Required to Give Automatic Cash Refunds for Canceled and Delayed Flights

The Biden administration is setting new rules on airline fees and refunds

Brett Coomer

Brett Coomer

FILE - Passenger drop off their baggage at United Airlines in C Terminal at George Bush Intercontinental Airport, Thursday, Dec. 21, 2023, in Houston. The Biden administration issued final rules Wednesday, April 24, 2024, to require airlines to automatically issue cash refunds for things like delayed flights and to better disclose fees for baggage or canceling a reservation. (Brett Coomer/Houston Chronicle via AP, File)

The Biden administration issued final rules Wednesday to require airlines to automatically issue cash refunds for things like delayed flights and to better disclose fees for baggage or canceling a reservation.

The Transportation Department said airlines will be required to provide automatic cash refunds within a few days for canceled flights and “significant” delays.

Under current regulations, airlines decide how long a delay must last before triggering refunds. The administration is removing that wiggle room by defining a significant delay as lasting at least three hours for domestic flights and six hours for international ones.

Airlines still will be allowed to offer another flight or a travel credit instead, but consumers can reject the offer.

The rule will also apply to refunds of checked-bag fees if the bag isn’t delivered within 12 hours for domestic flights or 15 to 30 hours for international flights. And it will apply to fees for things such as seat selection or an internet connection if the airline fails to provide the service.

Complaints about refunds skyrocketed during the COVID-19 pandemic, as airlines canceled flights and, even when they didn't, many people didn't feel safe sharing a plane cabin with other passengers.

Airlines for America, a trade group for large U.S. carriers, noted that refund complaints to the Transportation Department have fallen sharply since mid-2020. A spokesperson for the group said airlines “offer a range of options — including fully refundable fares — to increase accessibility to air travel and to help customers make ticket selections that best fit their needs.”

The group said the 11 largest U.S. airlines issued $43 billion in customer refunds from 2020 through 2023.

The Transportation Department issued a separate rule requiring airlines and ticket agents to disclose upfront what they charge for checked and carry-on bags and canceling or changing a reservation. On airline websites, the fees must be shown the first time customers see a price and schedule.

The rule will also oblige airlines to tell passengers they have a guaranteed seat they are not required to pay extra for, although it does not bar airlines from charging people to choose specific seats. Many airlines now charge extra for certain spots, including exit-row seats and those near the front of the cabin.

The agency said the rule will save consumers more than $500 million a year.

Airlines for America said its members “offer transparency and vast choice to consumers” from their first search.

The new rules will take effect over the next two years. They are part of a broad administration attack on what President Joe Biden calls “junk fees.” Last week, Transportation Secretary Pete Buttigieg announced that his department will let state officials in 15 states help enforce federal airline consumer protection laws .

Copyright 2024 The  Associated Press . All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Photos You Should See - June 2024

The Olympic rings are seen on the Eiffel Tower Friday, June 7, 2024 in Paris. The Paris Olympics organizers mounted the rings on the Eiffel Tower on Friday as the French capital marks 50 days until the start of the Summer Games. The 95-foot-long and 43-foot-high structure of five rings, made entirely of recycled French steel, will be displayed on the south side of the 135-year-old historic landmark in central Paris, overlooking the Seine River. (AP Photo/Aurelien Morissard)

Tags: Associated Press , business , Transportation

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New United credit card bonuses: Earn up to 90,000 MileagePlus miles

Ryan Wilcox

If you are planning a dream getaway soon, now is a good time to determine your earning strategy and rack up those points and miles. As usual, one of the easiest ways to amass a large chunk of rewards is through credit card sign-up bonuses .

United loyalists are in luck because Chase and United have teamed up to offer valuable sign-up bonuses across their cobranded credit cards. Most cards are offering just 10,000 fewer miles than their best-ever offers, making now a great time to apply . These offers end August 7.

These limited-time bonuses can go a long way toward making that dream vacation a reality.

Let's look at each card to see which makes the most sense for your wallet.

United Club Infinite Card

Sign-up bonus: Earn 90,000 bonus miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends August 7.

Annual fee: $525

Earning rate: Earn 4 miles per dollar on United purchases, 2 miles per dollar on dining and all other travel, and 1 mile per dollar on everything else.

travel bank refund united

Is it worth it?

According to TPG's June 2024 valuations , United miles are worth 1.35 cents each, making these bonus points worth $1,215. This is higher than the usual offers we've seen on this card, so it's worth looking into.

The United Club℠ Infinite Card is made for loyal United flyers who want access to United Club lounges when they travel — along with a few additional benefits that help upgrade the traveling experience.

Cardholders can enjoy United Club membership , including access for two guests or one adult and dependent children under 21. It also offers the first and second checked bag free for the primary cardholder and one travel companion on United-operated flights (savings of up to $360 per round trip), an up to $100 TSA PreCheck/Global Entry application fee credit every four years, Premier Access travel services, expanded award availability and lower average award prices .

United Club Infinite cardholders enjoy complimentary IHG One Rewards Platinum Elite status .

Related: United Club Infinite Card review

Apply here: United Club Infinite Card

United Quest Card

Sign-up bonus: Earn 70,000 bonus miles and 500 Premier qualifying points after spending $4,000 on qualifying purchases in the first three months of opening an account. Offer ends August 7.

Annual fee: $250

Earning rate: Earn 3 miles per dollar on United purchases (after your $125 annual United statement credit); 2 miles per dollar on dining, all other travel and select streaming services; and 1 mile per dollar on everything else.

The United Quest℠ Card offers premium perks for a reasonable $250 annual fee. The sign-up bonus points alone are worth $945, according to TPG's June 2024 valuations , which can justify paying the annual fee for over three years of card membership — well before considering the ongoing benefits.

We've seen higher bonuses on this card , but this is still a good offer to take advantage of if you need those miles soon.

Cardholders receive up to $125 in statement credits each account anniversary year for United purchases, two 5,000-mile anniversary award flight credits after redeeming their miles for a United flight, first and second checked bags free and an up-to-$100 TSA PreCheck or Global Entry application credit.

Related: United Quest Card review

Apply here: United Quest Card

United Explorer Card

Sign-up bonus: Earn 60,000 bonus miles after spending $3,000 on qualifying purchases in the first three months of opening an account, plus the annual fee waived for the first year. Offer ends August 7.

Annual fee: $95, waived the first year

Earning rate: Earn 2 miles per dollar on United purchases, hotels (booked directly) and dining, and 1 mile per dollar on everything else.

travel bank refund united

According to TPG's June 2024 valuations , this sign-up bonus is worth $810, which is pretty good for a card with a waived annual fee in the first year. Again, it's not quite the best offer we've seen on this card , but it's close.

Aside from the sign-up bonus, cardholders of the United℠ Explorer Card will get a nice roundup of benefits: free first checked bag, priority boarding, two one-time United Club passes each year, a 25% discount on inflight United purchases (including Wi-Fi, food and beverages), access to additional award space and less expensive award flights.

You can also earn up to 1,000 PQPs (25 PQPs for every $500 spent on purchases with the card). If achieving United elite status is on your list this year, this mid-tier card could help you earn status without charging a steep annual fee.

Finally, like the Infinite and Gateway cards, you'll get an up-to-$100 TSA PreCheck or Global Entry application credit.

Related: United Explorer Card review

Apply here: United Explorer Card

United Gateway Card

Sign-up bonus: Earn 30,000 bonus miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months (variable APR of 21.99% - 28.99% after that). Offer ends August 7.

Annual fee: $0

Earning rate: Earn 2 miles per dollar on United purchases, gas, local transit and commuting, and 1 mile per dollar on everything else.

The United Gateway℠ Card is the entry-level card into the United MileagePlus program , charging no annual fee. However, it can still provide value to beginners.

The sign-up bonus is modest compared to the other United cards (clocking in at $405 in value, according to TPG's June 2024 valuations ), but it is a step above many other no-annual-fee cards .

In addition to the solid rewards rate, you'll get a 25% discount on inflight United purchases and have access to up to $6,000 in trip cancellation and interruption insurance (up to $1,500 per person) if your trip is canceled or cut short by covered reasons like sickness or injury.

If you fly with United multiple times yearly, you'll likely get better value from the other United card options. But for beginners looking for their first cobranded airline card , the United Gateway is a solid option.

Related: United Gateway Card review

Apply here: United Gateway Card

United Business Card

Sign-up bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

Annual fee: $0 intro annual fee for the first year, then $99

Earning rate: Earn 2 miles per dollar on United purchases, dining, gas, local transit, commuting and office supply stores, and 1 mile per dollar on everything else.

travel bank refund united

The United℠ Business Card offers solid perks to small-business owners, freelancers and those with side gigs .

Cardholders receive the first checked bag free , priority boarding, two one-time United Club passes each year, a 25% discount on inflight United purchases and a $100 United travel statement credit after seven eligible United purchases of $100 or more with the United Business Card within an account anniversary year.

Furthermore, the card's many benefits help make it valuable enough to offset the $99 annual fee.

Related: United Business Card review

Apply here: United Business Card

United Club Business Card

Sign-up bonus: Earn 50,000 bonus miles and 1,000 PQPs after you spend $5,000 on purchases in the first three months your account is open.

Annual fee: $450

Earning rate: Earn 2 miles per dollar on United purchases and 1.5 miles per dollar on everything else

The United Club Business Card offers solid perks to small-business owners, freelancers and those with side gigs .

Cardholders enjoy United Club membership , including access for two guests or one adult and dependent children under 21. Cardholders also receive the first and second checked bag free for the primary cardholder and one travel companion on United-operated flights (a savings of up to $320 per round trip), Premier Access travel services, premier upgrades on award tickets, 25% discount on inflight United and Club purchases, Avis Presidents Club status, and a wide range of travel and purchase protections.

Cardholders can also receive up to 1,000 PQPs a year, earning 500 PQPs for every $12,000 spent on purchases in addition to free employee cards.

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: United Business vs. Business Club review

How to maximize United MileagePlus miles

While United's dynamic award chart can make it harder to score redemption deals on some awards, the airline does offer some solid benefits for loyal flyers. United has improved its award sales in the past couple of years, which can provide excellent redemption options, sometimes starting at just a few thousand miles per ticket.

And United does offer other benefits, such as the Excursionist Perk and the fact that United doesn't impose fuel surcharges on award tickets (which can easily save you hundreds of dollars).

It's also a Chase transfer partner , which can help you earn United miles across multiple credit cards. The airline's membership in the Star Alliance means you have even more options for redeeming miles across airlines, including Lufthansa, Air New Zealand and Turkish Airlines.

travel bank refund united

By taking advantage of low-cost domestic award tickets (such as flying from Houston to Orlando for as little as 3,500 miles) and free stopovers with the Excursionist Perk, you can stretch the miles you earn with your credit cards to help you plan your upcoming trips. Or, go big and start saving miles toward a fancy United Polaris business-class award .

Bottom line

With these United sign-up bonuses up for grabs, you can get closer to your next trip. But remember: Since Chase issues these cards, they will be subject to the issuer's 5/24 rule . If you have opened five or more accounts in the past 24 months, you may have difficulty being approved for these cards.

To learn more about how to use your United miles, check out our guide to maximizing the United MileagePlus program .

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Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on your purchases. While cash back is one of the simplest forms of rewards, miles or points may offer even more value for frequent travelers and shoppers. These card offers from our partners carry some of the best rewards value and perks out there, with each issuer offering a variety of programs to suit your unique spending habits. Whether you need a flat-rate card to cover any purchase, a bonus or rotating category card for specialized spending or even a choice category card for ultimate flexibility, we’ll help you find the credit card that helps you reach your rewards goals.

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Best Rewards Credit Cards for June 2024

  • Chase Sapphire Preferred® Card : Best starter travel card
  • Capital One Venture Rewards Credit Card : Best for flat-rate travel rewards
  • Citi Strata Premier℠ Card : Best for hotel bookings
  • American Express® Gold Card : Best for food and travel
  • Wells Fargo Active Cash® Card : Best for flat-rate cash rewards
  • Capital One VentureOne Rewards Credit Card : Best no-annual-fee travel card
  • Capital One SavorOne Cash Rewards Credit Card : Best overall
  • The Platinum Card® from American Express : Best for luxury travel
  • Wells Fargo Autograph Journey℠ Card : Best for easy-to-earn credits
  • Capital One Venture X Rewards Credit Card : Best for affordable travel perks
  • Chase Freedom Unlimited® : Best for everyday spending
  • Discover it® Cash Back : Best for category variety
  • Capital One Quicksilver Cash Rewards Credit Card : Best starter rewards card
  • Chase Sapphire Reserve® : Best rewards value
  • Blue Cash Preferred® Card from American Express : Best for groceries
  • Citi Custom Cash® Card : Best for gas
  • Wells Fargo Autograph℠ Card : Best for everyday travel
  • Bank of America® Premium Rewards® credit card : Best for savers
  • Bilt Mastercard® : Best for paying rent
  • American Express® Business Gold Card : Best for small-business owners
  • Prime Visa : Best for online shopping

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How do we choose the best overall card?

In determining which cards were worthy of “Best Overall” distinction on marketplace pages, our editorial team reviewed the cards currently available on each page and narrowed the list of candidates to only those cards that either:

  • A) had received a minimum 4.0-star overall rating in their primary scoring category based on our proprietary card rating methodology , or 
  • B) were currently the highest-rated card on the page. 

We then surveyed an internal panel of expert credit card writers and editors as to which card from the candidate list was most deserving of a “Best Overall” distinction. The winner was selected based on popular vote.

Best for point value

Image of Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Regular APR

21.49% - 28.49% Variable

  • 5x 5x on travel purchased through Chase Travel℠.
  • 3x 3x on dining, select streaming services and online groceries.
  • 2x 2x on all other travel purchases.
  • 1x 1x on all other purchases.

What we love: Occasional travelers who value flexibility can enjoy this card’s excellent rewards on both travel and everyday spending, stellar travel protections and other lucrative benefits . It already delivers top-notch long-term value with its remarkable redemption options, Chase card pairing options and transfer partners.  Plus, the hefty welcome offer makes the short-term rewards value exceptional as well. Learn more:   Is the Chase Sapphire Preferred worth it? Alternatives:   The Citi Strata Premier℠ Card could be more rewarding if you’d benefit from a larger pool of everyday reward categories and stronger benefits and rewards rates for hotel stays. However, the Capital One Venture Rewards Credit Card is worth considering if you just want straightforward, flat-rate rewards without sacrificing valuable transfer partners. 

  • Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.
  • Thanks to the 25 percent redemption value boost via Chase Travel, Ultimate Rewards points are some of the most valuable rewards available through both transfer partners and the issuer portal.
  • It doesn’t have flight-focused travel perks like airport lounge access or free checked bags.
  • The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for flat-rate travel rewards

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day

The flat 2X rewards rate on purchases makes this a great travel starter card for all types of spenders since you can earn flexible miles even without spending a ton on travel. You also have the unique option to redeem miles for statement credits toward eligible past travel purchases. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Alternative: The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits. 

  • According to Bankrate's valuations , each mile is worth on average 2 cents if redeemed through a Capital One transfer partner — great value for a flat-rate card.
  • You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset.
  • The welcome offer has a high spend requirement, so it may not be easy to attain.
  • Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks.
  • Unless you take advantage of Capital One’s transfer partners, your miles will only be worth 1 cent (or less, for non-travel redemptions). Other travel cards offer a higher point value if you redeem through the issuer’s portal.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best for hotel bookings

Image of Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

21.24% - 29.24% (Variable)

  • 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1X Earn 1 Point per $1 spent on all other purchases

What we love: Its annual hotel benefit could offer terrific value even if you only make a few trips per year. Spend $500 on a single hotel booking through CitiTravel.com each calendar year and you’ll instantly get a $100 benefit— enough to offset the annual fee all on its own. Alternatives:   The Chase Sapphire Preferred® Card may offer more value for both frequent travelers and everyday spenders, thanks mostly to its high point redemption value. And while its hotel perk is only worth up to $50 in annual statement credits toward hotel stays through Chase Travel, you’ll only need to spend $50 to earn it (versus $500 with the Strata Premier).

  • It earns rewards in several key everyday spending categories, so it should be easy to earn travel points even if you don’t actually spend a ton on travel.
  • It stacks exceptionally well with no-annual-fee Citi rewards cards, giving you a chance to maximize your rewards in nearly every major spending category.
  • You’ll only earn the annual hotel benefit if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com. That’s pretty inflexible.
  • Bankrate estimates that Citi rewards carry a lower average redemption value (around 1.6 cents per point) than several competing programs (some of which offer 2 cents per point or more in value).
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best for food and travel

Image of American Express® Gold Card

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

See Pay Over Time APR

  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: This premium card offers one of the best rewards rates you can get with a single card on both dining and U.S. supermarket purchases, plus stellar travel rewards value via its list of Amex transfer partners. It has a pricey annual fee, but traveling foodies might find the additional yearly credits on eligible dining, Uber and hotel purchases (through American Express Travel) valuable enough to nearly offset the $250 annual fee . Learn more: Why expert Matt Bundrick loves the Amex Gold Alternative: For a higher annual fee, the Amex Platinum and the Chase Sapphire Reserve are smart picks if you’re itching for more than dining rewards since both offer better travel perks , rewards and protections. But the Capital One SavorOne or Chase Sapphire Preferred could be a better fit if you want excellent dining and grocery rewards for a more modest annual fee.

  • Transferring points to partner airline or hotel loyalty programs, which include popular brands like Delta and Hilton, can get you more value.
  • You can earn additional rewards by enrolling in Amex Offers.
  • You'll need to use the annual credits or transfer points for travel frequently to offset the annual fee.
  • Your points are worth much less if you redeem them to cover dining purchases or any travel purchases other than airfare (they’re often worth half as much or less).
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Best for flat-rate cash rewards

Image of Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards

  • Earn unlimited 2% cash rewards on purchases.

20.24%, 25.24%, or 29.99% Variable APR

  • 2% Earn unlimited 2% cash rewards on purchases

What we love: This well-rounded card carries one of the highest flat cash rewards rates available. Since there’s no need to track categories or jump through additional hoops, it’s an especially good fit if you prefer a simple cash rewards structure. Learn more: Expert Aja McClanahan discusses if the Wells Fargo Active Cash is worth it Alternative: The Citi Double Cash® Card may be a better option if you’re looking for a long intro APR balance transfer offer. The Chase Freedom Unlimited® could also be more valuable thanks to its additional 3 percent cash back categories. 

  • Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk.
  • You can redeem your rewards as physical cash in $20 increments when you use a Wells Fargo ATM — a convenient option missing from many rewards cards.
  • Though it comes with Visa Signature® features, the Active Cash card's extra perks are otherwise limited.
  • You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo.
  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best no-annual-fee travel card

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: Although you only earn 1.25X miles on purchases other than Capital One Travel hotel and rental car bookings, its intro APR offer and transfer partners make it a great option for savings-minded travelers and rewards beginners alike. Learn more: 7 reasons to get the Capital One VentureOne Rewards Card Alternative: If you prioritize a card’s rewards rate over basic travel perks and transfer partners, consider the no-annual-fee Discover it® Miles card or the Bank of America® Travel Rewards credit card for a 1.5X reward rate on all purchases that can be redeemed for versatile travel purchase statement credits. 

  • You can transfer miles to airline and hotel partners — a rare perk for a no-annual-fee travel card.
  • There’s a relatively lengthy intro APR period for purchase and balance transfer— uncommon for a travel mile card.
  • If you don’t plan on transferring rewards to Capital One’s travel partners, another travel rewards card may offer better point redemption value.
  • If you usually fly within the U.S., keep in mind that Capital One’s transfer partners don’t include any major domestic airlines or hotels outside the Wyndham brand.
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best overall

Image of Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.

  • 8% 8% Cash Back on Capital One Entertainment purchases
  • 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • 1% 1% Cash Back on all other purchases

Why it’s the best overall: "If I had to pick one rewards card to use for all of my spending, this would be near the top of my list. Its low cost and great rewards rate in some of my most important everyday spending categories mean it offers terrific standalone value. It’s an even better fit now that I have a Capital One travel card and can transfer rewards to it (and maybe even squeeze more value out of them)."  — Nouri Zarrugh , Senior Editor, Credit Cards What we love: This card’s terrific mix of everyday bonus categories makes it a top pick if you want a single card that earns rewards on food and fun. You’ll earn an excellent unlimited cash back rate at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and even on many entertainment purchases that don’t typically earn credit card rewards — like tickets to movies, sporting events and more. Learn more: Is the Capital One SavorOne worth it? Alternative: If you don’t spend much at the grocery store or on entertainment, then the Chase Freedom Unlimited® may be a better option . You'll have plenty of chances to earn cash back in multiple bonus categories (including dining) and a fair flat rate for all other eligible purchases. 

  • It’s easily one of the most well-rounded rewards cards available thanks to its generous cash back rates and variety, accessible welcome offer and long intro APR periods.
  • It offers automatic cash back redemption — a relatively rare option that can make the rewards experience even easier.
  • Superstores and wholesale clubs like Walmart, Target, BJ’s and Sam’s Club do not count for elevated rewards rates, which may limit your potential earnings.
  • You can redeem cash rewards on Amazon.com, but there is a list of restricted items .
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best for luxury travel

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: This card’s perks, protections and credits eclipse those of competing travel cards, offering thousands in value and making it easy to justify its expensive annual fee. If you take advantage of its luxury travel and shopping benefits, this can be one of the best travel cards available. Learn more: Is the Amex Platinum worth the yearly fee? Alternative: The Amex Platinum's perks may not be a great fit for some cardholders. The Chase Sapphire Reserve or Capital One Venture X may offer more practical perks at a lower cost. 

  • You could earn perhaps the most valuable welcome offer currently available when applying for the Amex Platinum through CardMatch : 150,000 points after spending $8,000 on purchases within the first six months.
  • Carries perhaps the most comprehensive lounge access, hotel privileges and travel benefits of any mainstream personal card.
  • Several annual credits and perks aren’t practical for many cardholders (like the Equinox and private jet program offers), which may make the $695 annual fee tough to offset.
  • The bonus category coverage is quite narrow, so you’ll have to lean on the extra perks for the bulk of your value.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.

Best for easy-to-earn credits

Image of Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

  • 5X Earn unlimited 5X points on hotels
  • 4X Earn unlimited 4X points on airlines
  • 3X Earn unlimited 3X points on other travel and restaurants
  • 1X Earn 1X points on other purchases

What we love: Though the card carries an annual fee ($95), it should be easy to offset thanks to the $50 statement credit you can earn each year you make a $50 minimum airline purchase. Earning this should be no problem even for occasional travelers. Plus, you aren’t forced to use the credit toward future airfare or hotel bookings as you are with some competing travel cards. Alternatives: The Chase Sapphire Preferred® Card is one of its main competitors since it also carries a $95 annual fee and earns rewards in many of the same categories. It has a leg up when it comes to redemption, though, since its points are worth 25 percent more when you use them to book Chase travel.

  • Redemption is flexible: You can use rewards for travel and cash back without worrying about point values, or you can transfer to one of the issuer’s new airline and hotel partners.
  • It carries a decent mix of practical travel perks, including lost baggage reimbursement and trip cancellation protection that can reimburse you up to $15,000 for lodging, flights, and activities if your trip is canceled for a covered reason.
  • It offers a different rewards rate for hotels, airfare and other travel, making it a bit harder to keep up with than a mid-tier card that offers a flat rewards rate on all travel purchases.
  • You can only stack travel points with the Wells Fargo Autograph℠ Card, and several of its bonus categories overlap with the Autograph Journey card’s.
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best for affordable travel perks

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: Yearly perks like $300 in annual credits for Capital One travel bookings can make the Venture X worth it for both occasional and frequent travelers who want top-tier perks at a lower cost than competing luxury cards. Learn more: Why the Capital One Venture X is great for saving on your next trip Alternative: If you don't think you'll use Venture X’s features , consider a lower-cost travel card instead. The base Venture card also earns a flat 2X miles, while the Chase Sapphire Preferred can offer higher redemption value and other bonus categories beyond travel. 

  • Since the card’s travel perks make it easy to offset the annual fee, you won’t have to worry about offsetting the card’s cost with earning enough rewards.
  • You’ll also enjoy Visa Infinite benefits (including exclusive travel concierge service) and the Capital One Travel portal’s AI-powered pricing perks for more affordable bookings.
  • It’s missing a number of the luxury benefits you’ll find on rival cards, like an annual CLEAR membership credit, complimentary hotel or airline loyalty status and other airline hotel and restaurant partner perks.
  • Its biggest drawback is perhaps Capital One’s lack of major domestic airline partners, which limits the value of your miles compared to rewards on other travel cards.
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for category variety

Image of Discover it® Cash Back

Discover it® Cash Back

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

18.24% - 28.24% Variable APR

  • 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

What we love: Discover’s cash back calendar usually is packed with essential everyday categories, so there are plenty of opportunities to rake in cash back if you don’t mind strategizing where and when to shop each quarter. This impressive card also boasts market-low rates and fees and a valuable cash back match welcome offer at the end of the first year. Learn more: Why expert Holly Johnson loves the Discover it® Cash Back Alternative: If you’re looking to maximize your seasonal spending rewards, you may get more value from the Chase Freedom Flex℠ thanks to its rotating bonus categories plus year-round 3 percent dining and drugstore categories, which can give you more cash back to lean on if a quarterly category doesn’t align with your spending. 

  • It’s one of the best cash back cards on the market if you’re looking for minimal fees: no annual fee, foreign transaction fees, penalty APR or fee on your first late payment (up to $41 after that). You’ll also enjoy solid intro APR offers and a decent ongoing APR.
  • Its rotating bonus category variety is nearly unmatched, typically including everything from groceries to online shopping.
  • You must activate and track your bonus categories each quarter, which could make the card too high-maintenance for some applicants.
  • The card carries hardly any additional features (like travel insurance or other credits) beyond its rewards and low rates and fees.
  • It has a quarterly spending cap for bonus categories.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Best card for everyday spending

Image of Chase Freedom Unlimited®

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

  • 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1.5% 1.5% cash back on all other purchases.

What we love: This unique card not only earns an elevated rewards rate on all purchases, but also gives you an edge over similar cards with its year-round dining and drugstore bonus categories. If you want to pick one card and stick with it, this is a great choice.   Learn more: Is the Chase Freedom Unlimited worth it? Alternatives: A 2 percent flat-rate cash back card like the Citi Double Cash® Card could be better if you’re focused on flat-rate rewards. A card designed for everyday spending, like the Capital One SavorOne Cash Rewards Credit Card or the Blue Cash Everyday® Card from American Express could also be more lucrative as a standalone option.

  • With solid earning rates, a decent sign-up bonus, and a strong intro APR offer, this is a great card for any rewards enthusiast.
  • You can combine this card’s rewards with other premium Chase rewards to unlock more value through travel redemptions and partners.
  • A few rival no-annual-fee cards carry a higher rewards rate on general spending.
  • The welcome offer could require more effort to earn the typical $200 value other cards can deliver.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best starter rewards card

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

What we love: If you’re new to rewards and want to keep things simple, this card’s straightforward rewards program should be a terrific fit. Add in perks like an intro APR and the ability to redeem rewards automatically and this card should be a well-rounded starter option. Learn more: Why expert Nicole Dieker loves the Capital One Quicksilver Alternative: A few flat-rate rewards cards easily beat the Quicksilver due to its low rewards rate, including the Wells Fargo Active Cash (unlimited 2 percent cash rewards) and the Chase Freedom Unlimited (bonus rewards on dining and drugstore purchases as well as a flat 1.5 percent rewards rate on general purchases). 

  • The card’s welcome bonus is one of the easiest to earn with a low spend requirement.
  • You can earn rewards with minimal effort before graduating to a higher-maintenance card that offers better rewards rates.
  • Even compared to other cash back cards available with no annual fee, its perks are limited.
  • Some rival cards offer unlimited 2 percent cash back on all purchases while still charging no annual fee.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Best rewards value

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.

What we love: Its travel and dining rewards are some of the most valuable we’ve found if you plan to take advantage of Chase’s card combinations, transfer partners, Ultimate Rewards redemption options. Fortunately, these rewards can go straight into your next trip rather than toward the annual fee, courtesy of first-class benefits like the $300 in annual travel credits, comprehensive travel insurance and airport perks. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Alternative: The Amex Platinum card provides even more annual credits and luxury privileges, including better airport lounge access. Meanwhile, the Chase Sapphire Preferred or Capital One Venture X may be more cost-effective and can help you earn rewards at a similar (or even higher) rate in their key categories.

  • The general travel category alone is quite comprehensive, and the first $300 you spend on these purchases is covered by annual travel credits.
  • It pairs incredibly well with other Chase rewards cards since you can pool points across multiple cards and boost your point value by 50 percent when you redeem for Chase Travel℠ bookings.
  • This card charges a steep $550 annual fee, which may be hard to upkeep if you aren’t planning to use perks other than the rewards and annual travel credits (like the Priority Pass Select airport lounge membership).
  • Its luxury travel perk roster isn’t as strong as that of some rival cards since it’s missing benefits like complimentary airline or hotel loyalty status.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for groceries

Image of Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

  • $0 intro annual fee for the first year, then $95.

19.24% - 29.99% Variable

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

What we love: Maximizing the Blue Cash Preferred could make it perhaps the most rewarding card for groceries year-round — especially if you’re a commuter or part of a family or household that spends a lot at U.S. supermarkets and U.S. gas stations. What’s more, the annual credits and elevated rates for other everyday expenses like transit, select U.S. streaming services and U.S. gas station purchases make it a more well-rounded card. Learn more: Why expert Ted Rossman loves the Blue Cash Preferred Alternative: A flat-rate card like the Wells Fargo Active Cash Card could provide better value at superstores (like Target and Walmart) or wholesale clubs (like Costco or Sam’s Club). And if the annual fee is a deal-breaker, the Blue Cash Everyday® Card from American Express or the Bank of America® Customized Cash Rewards credit card may work for smaller budgets.

  • The card also offers unlimited 6 percent back on select U.S. streaming subscriptions — one of the best rates available in that category.
  • Few premium cards offer intro APR periods, but this card provides an intro APR on purchases and balance transfers — handy for chipping away at the cost of large expenses over time.
  • Your only redemption options are statement credits, gift cards or merchandise.
  • Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Best for gas

Image of Citi Custom Cash® Card

Citi Custom Cash® Card

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

19.24% - 29.24% (Variable)

  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • 1% Earn unlimited 1% cash back on all other purchases.

What we love: This card automatically earns bonus rewards in your biggest spending category each billing cycle, with 10 eligible categories including gas. The rewards rate is one of the highest available year-round on gas purchases without requiring an annual fee, making it a remarkable partner card for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices. Learn more: Is the Citi Custom Cash worth it? Alternative: For more choice and flexibility, you may prefer the Bank of America Customized Cash card or the U.S. Bank Cash+® Visa Signature® Card . These cards not only let you choose from a wide selection of bonus categories, but you also earn bonus rewards in more than one category. 

  • Since you aren't locked into year-round or quarterly bonus categories, you can enjoy more flexibility in how you earn top rewards.
  • For a no-annual fee card, it offers attractive additional perks if you receive it with World Elite Mastercard status, such as partner offers with Lyft and DoorDash.
  • It may not work well as a standalone card since you’ll only earn 1 percent back on other everyday purchases outside your top eligible spending category.
  • You’ll only earn 5 percent back on your first $500 in an eligible category each billing cycle (1 percent after that). This could hold you back if you spend heavily in one category or share the account among multiple households.
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Best for everyday travel

Image of Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: Thanks to its mix of practical everyday categories, the Autograph card makes for a solid low-maintenance rewards card. Commuters, families and road-trippers can squeeze a lot of value from its gas station, dining at a restaurant, transit and other bonus categories, making it easy to earn points even if you only travel occasionally. Learn more: Is the Wells Fargo Autograph worth it? Alternative: Despite its modest annual fee ($0 intro fee for the first year, then $95), the Blue Cash Preferred® Card from American Express could be more rewarding thanks to its best-in-class cash back rate on U.S. supermarket purchases. It also features many of the same bonus categories as the Autograph card.

  • It's a great standalone card with everyday bonus categories (like restaurants and gas) coupled with harder-to-find extras like cell phone protection plans.
  • The introductory purchase APR could be a big help if you need to chip away at the cost of a trip or other large purchases over time.
  • Unlike some of the best travel cards, the Autograph card doesn’t let you transfer points to airline and hotel loyalty programs, so the value of your rewards may be limited.
  • Frequent travelers hoping for perks like airport lounge access or credits for expedited security will likely get more value out of another card.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for savers

Image of Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

  • 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
  • 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: With qualifying account balances, Bank of America's Preferred Rewards® program can boost your rewards rates by 25 percent to 75 percent, and infrequent flyers can use their points for cash back without losing value. Plus, the up to $100 in annual airline incidental statement credits can help make up for the annual fee if you enjoy in-flight commodities. Learn more: The Bank of America Premium Rewards Card benefits guide Alternatives: The Chase Sapphire Preferred® Card may be a better alternative since you’ll get many of the same travel perks and protections for the same annual fee, but it has more valuable points.

  • The annual fee is easy to offset with statement credits for airline incidentals.
  • The current welcome offer could cover the cost of a quick trip, depending on the airline.
  • You won’t get a break on interest charges if you carry a balance since it doesn’t have intro APR offers on purchases or balance transfers.
  • To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch.
  • Low $95 annual fee.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for paying rent

Image of Bilt Mastercard®

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

  • 3X Points 3x points on dining
  • 2X Points 2x points on travel
  • 1X Points 1x points on other purchases
  • 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: There’s simply no card like it — it’s the only card that lets you earn rewards and avoid fees when you pay rent. Plus, the card offers a long list of high-value travel partners, giving renters and aspiring homeowners tremendous rewards redemption potential toward travel, rent payments or home down payments. Alternative: A no-annual-fee cash back card with everyday categories and additional redemption options, like the Capital One SavorOne Cash Rewards Credit Card, could be better for everyday savings. You may also earn more rewards on your utilities and other household expenses with a flat-rate card like the Wells Fargo Active Cash® Card.

  • Bilt points currently rank as some the most valuable rewards on the market based on Bankrate’s latest points and miles valuations .
  • It carries a solid set of perks for a no-annual-fee card, including travel and purchase protections and ongoing credits for Lyft.
  • If you are looking to build credit, this is one of the few cards that lets you earn rewards and build credit too.
  • Redemption options are limited, and you can’t opt for regular cash back. Your main options are redeeming to cover rent, a home down payment or travel.
  • You have to make at least five transactions with the card before rewards rates apply.
  • $0 Annual Fee.
  • Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 2x points on travel.
  • 3x points on dining.
  • 1x points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for small-business owners

Image of American Express® Business Gold Card

American Express® Business Gold Card

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Earn 70,000 points

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. 1X is earned for other purchases. **.

19.49% - 28.49% Variable

  • 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 3X Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • 1X 1X is earned for other purchases. **

What we love: It carries a terrific mix of bonus categories tailored to small-business owners, including everything from U.S. gas stations to computer software, so it could be a great standalone option if you’re focused on earning travel rewards more than enjoying lounge access and other luxury perks. Learn more: Why expert Holly Johnson loves the Amex Business Gold card Alternative: The Capital One Venture X Business Rewards Credit Card offers much better travel perks, including an annual travel credit and anniversary bonus points that make it more than worth it. Its flat rewards rate means it’s also a better fit if you’re looking to keep things simple. 

  • Earns bonus rewards in several key small-business spending categories, making it a versatile option as both a standalone and supplementary rewards card.
  • Offers a flexible spending limit via its Pay Over Time feature, which could help you free up cash flow or finance large business purchases.
  • You only earn 4X points on the first $150,000 you spend per year across two eligible spending categories, so you may leave rewards on the table if you have high expenses.
  • It’s missing perks like lounge access and airline or hotel elite status, which you can find on other business travel cards at a similar price level.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Best for online shopping

Image of Prime Visa

  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). Earn unlimited 1% back on all other purchases.

  • 5% Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
  • 2% Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • 1% Earn unlimited 1% back on all other purchases

What we love: Few cards offer such a high rewards rate on Amazon purchases, and perhaps no other card offers this year-round online shopping rate with no spending cap. The card is also surprisingly versatile for Amazon Prime members offline, raking in rewards on Chase Travel bookings and local commuting, as well as purchases at Whole Foods Market, restaurants and gas stations. Learn more: What card expert Holly Johnson loves about the Prime Visa Alternative: If you want to earn rewards on groceries and online shopping without being stuck buying from Amazon.com or Whole Foods, consider the Blue Cash Everyday card. It offers a solid rewards rate on both U.S. online retail purchases and at U.S. supermarkets, making it a more flexible but still lucrative option. 

  • The sign-up bonus is lower than other no-annual-fee rewards card bonuses, but you’ll earn it instantly on approval, with no spending requirement to worry about.
  • Unlocks exclusive pay-over-time financing on eligible Amazon purchases, giving you a chance to chip away at large expenses without stressing over interest charges (terms apply).
  • For a no-annual-fee general rewards card, Prime Visa offers significant travel benefits like no foreign transaction fees, lost luggage reimbursement and travel accident insurance.
  • It doesn’t carry a traditional intro APR, so you can’t finance non-Amazon purchases with a 0 percent APR.
  • An Amazon Prime membership runs $139 per year, so the bonus rates might be only worth it if you already are or plan to become a member.
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day

Compare Bankrate’s top rewards credit cards

The information about the My GM Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

* Bankrate’s points and miles valuations are based on an average of the issuer’s five highest-value transfer partners (if available).

A rewards credit card earns points, miles or cash back on eligible purchases you make with the card. You earn these rewards at a flat rate on all purchases or at a higher rate in specific bonus categories depending on the rewards card.

The issuer credits your account with your earnings, which you can redeem for statement credits, travel, gift cards or merchandise.

Types of rewards credit cards

Some of the most common types of rewards credit cards include cash back cards , travel rewards cards and business rewards cards. 

Cash back credit cards

Cash back cards earn back a percentage of your purchases, usually in the form of a statement credit or direct deposit to a linked checking or savings account. Depending on the card, you may earn a percentage back on all purchases ( flat-rate rewards ), in specific bonus categories ( tiered category rewards ), or in categories that change quarterly or monthly ( rotating category rewards ).

Learn more: How to choose a cash back credit card .

I have always been a big fan of cash back credit cards. The Blue Cash Preferred Card from American Express is one of my favorites since my family of four spends a lot on groceries. My only complaint is that the rate drops to 1 percent back after $6,000 in annual spending. I also use the Wells Fargo Active Cash Card a lot for its unlimited 2 percent cash rewards on purchases my other cards only earn 1 percent back on. — Ted Rossman Senior Industry Analyst, Credit cards

Travel rewards credit cards

There are two main types of travel rewards credit cards : co-branded and general-purpose. 

  • Co-branded travel cards offer unique perks and boosted rewards on purchases with specific airlines or hotel brands, typically earning points or miles unique to that brand. This makes them less flexible than general travel cards. 
  • General-purpose travel cards earn rewards that aren’t tied to a single airline or hotel brand. You can often earn more valuable rewards on a wider variety of everyday and travel purchases with these cards. Some cards even let you transfer points or miles to a partner loyalty program.

Business rewards credit cards

Business rewards cards earn cash back, points or miles on common business expenses, like office supplies, advertising services or travel. These cards sometimes carry perks like free employee cards, annual software or service credits, high spending limits and big sign-up bonuses.

Learn more: How to choose a business credit card

From our experts

Based on the most recent J.D. Power U.S. Credit Card Satisfaction Study , our expert Ted Rossman breaks down the data on the rewards and perks cardholders value, how issuers rank and how you should factor these trends into your credit card decision.

Weighing rewards value

A crucial part of choosing the right rewards card is understanding the value of a card’s earned rewards. Here’s a quick rundown of how reward rates and redemption values work.

  • Understanding rewards rates
  • Understanding redemption values
  • Credit card rewards are usually earned as cash back, points or miles. This means you’ll get a certain number of points/miles or a certain percentage of your purchase back per dollar spent. For example: 1 percent cash back on $100 = $1 cash back. And 1X points or miles on $100 = 100 points or miles back.
  • A card’s reward rate depends on how it earns them. Flat-rate cards typically earn 1.5 percent to 2 percent rewards. Tiered category cards earn anywhere from 2 percent to 6 percent rewards. Rotating category cards often earn 5 percent rewards on categories that change each quarter.
  • Some reward cards have spending caps, meaning the reward rate drops down to 1 percent rewards after you spend a certain amount in a select category within a timeframe. This is often up to $1,500 per quarter or up to $6,000 per year.
  • Reward redemption options differ by card, but often include cash back, travel bookings, gift cards and merchandise through the issuer portal. 
  • Travel redemptions are often the most valuable option, but require the most work. You can redeem points or miles through the issuer travel portal for airfare, hotel stays, travel experiences or rental cars. Some issuers allow you to transfer your points or miles to travel partners, which can boost your reward value even further (or reduce the value if you’re not careful).
  • Cash back redemption values are straightforward and usually worth 1 cent back per dollar spent. On the other hand, keep in mind that points or miles redeemed for cash back are usually worth less than 1 cent.
  • To find out if a rewards card is worth it for you, you’ll need to do some quick math. The easiest way to calculate the value of your rewards points is to divide the cash value of what you’re redeeming your points for by the number of points required to redeem it. (Example: $700 plane ticket / 70,000 points needed = 1 cent point value) 

To make it easier to gauge the right rewards card for the job, we’ve already crunched the numbers for you. Our up-to-date list of point and mile values gives you a sense of how much the most popular airline and hotel rewards are worth on average.

Looking for a particular type of rewards credit card?

Beginner’s guide to credit card points, pros and cons of rewards credit cards.

A rewards card can be a great way to save on purchases but there are some downsides if you’re not careful. If you're wondering whether rewards credit cards are worth it , here are a few pros and cons to keep in mind:

Rewards: You can save money by earning rewards on purchases.

Sign-up bonuses/intro APRs: You can take advantage of a generous sign-up bonus or intro APRs kickstart your rewards or help pay down purchases or a previous balance.

Perks: Many cards feature handy benefits, like travel savings and purchase protections.

Rewards caps: Some cards limit the earnable rewards, which could reduce the card’s value if your spending far exceeds the cap.

High APRs: Cards’ high APRs can cancel out any rewards you may earn.

Annual fees: Unless you maximize your reward earnings or card perks, it may be hard to outweigh the cost of some cards’ annual fees.

Once you have your card in hand, you can put it to work by maximizing its rewards . Here’s some advice from the Bankrate experts on how to put your rewards card to best use. 

Maximizing your card value

Here are some quick tips to help you squeeze out as much value as possible from your rewards card. 

Optimize your spending and redemption

Concentrate your spending on categories that earn higher rewards and track your spending to see if you’re missing out on any reward opportunities. Then, always redeem your rewards for the option that offers maximum value.

You may need to shift your credit card strategy depending on lifestyle changes. For instance, credit card rewards can help minimize inflation costs on groceries, dining and other major expenses. Or if you’re back at the office, a card that rewards gas purchases, travel or transit may fit your budget better.

Earn your sign-up bonus

Make a plan to meet the spending requirement without overspending and redeem your bonus through the optimal redemption method.

Leverage your extra benefits

Make sure you can offset your annual fee via your typical rewards spending. Better yet, do so with your card’s annual credits and perks without relying on your rewards. If you can barely cover the fee or fall short, you may want to downgrade to a no-annual-fee card . Big spenders in the same position may want to upgrade to a premium card for more valuable perks.

Double up on cards to earn more

You can rake in more rewards by pairing a card that rewards your highest spending category with a supporting flat-rate card. This cornerstone strategy ensures you earn rewards on as many purchases as possible, including those that fall outside of typical categories.

Learn more: Best credit card combinations to maximize rewards

Understand merchant category codes (MCCs)

These four-digit codes classify where purchases fall into your card’s bonus categories. Knowing your card network’s MCCs allows you to see whether you need to change your shopping habits, which card is better for which expense and how you may be able to snag unexpected rewards.

Learn more: How to earn more cash back with merchant category codes

Don’t carry a balance

Carrying a balance leads to interest charges, which will eat through any rewards you’ve earned. Set up autopay and pay that month’s statement balance in full to avoid interest.

Ask the experts: What's your go-to method for maximizing credit card rewards?

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Thomas Nitzsche

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Stephanie Zito

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Erica Sandberg

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Financial Educator, Debt and Credit

As someone who travels a lot, I focus on travel rewards, mostly hotel accommodations, with no hotel brand affinity. I use an online discount travel site’s branded card, using promo codes at the point of sale. I earn the most points on travel booked through the site, and I also get a bonus on points I’ve redeemed toward past travel purchases. The points can also be used to purchase trips on the site, and points are earned on those purchases as well. I also use the Upromise.com browser extension that lets you know when you can earn an additional 5 percent cash back shopping online that goes automatically into a 529 college savings account.

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Contributor, Personal Finance

Most people focus their credit card strategy on how to earn the most points possible and then later think about what they might be able to redeem them for. I think this is backwards. I like to start by knowing what reward I’m working toward, then reverse engineer my earning strategy. I’m not just earning points — I’m earning the right points, and I know I’m going to be able to put them into use! This is much more motivating.

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Contributor, Credit Cards

I spend naturally, but use my credit cards for almost every expense. I don't look at how many rewards I have earned monthly because I like being surprised by how many I have to redeem.

Tips for choosing the best rewards card for you

Navigating all the rewards card options available can be difficult. Here are some tips and insights from Bankrate writer Garrett Yarbrough about his own reward card journey that can help you decide which rewards card would fit you best .

  • Figure out where you spend the most each month. Once you know your major monthly categories, you match your spending with a fitting rewards card. “My biggest expenses tend to be everyday purchases like groceries, gas and dining. I love to cook, too, so I’d probably lean on a grocery rewards card more than one with a restaurant category,” explains Yarbrough. “On paper, my spending habits meant a card with a high rewards rate at grocery stores would be helpful. But in practice, I’d likely rack up more rewards with a flat-rate card.” 
  • Look at the card's fees. APR and foreign transaction fees are worth keeping an eye on, but the annual fee is the most important. You'll need to decide whether the card’s benefits and potential rewards can help offset the yearly cost. This was less an issue for Garrett: “APRs weren’t a huge concern since I already had a low-interest card from my credit union and I avoid carrying a balance, so I focused on rewards.”
  • Consider intro APR offers or sign-up bonuses. Many rewards cards offer sign-up bonus rewards and a zero-percent introductory APR on balance transfers and/or new purchases. Short-term value isn’t everything, but these offers can give a card an edge if you prioritize earning rewards, paying off debt or the middle-ground: a shorter intro APR with rewards
  • Factor in perks that are valuable to you. Perks that come with a card can play a key role in determining its overall value, especially if the perks can help offset the annual fee. “Knowing I wanted a future-proof, flat-rate rewards card with diverse redemption options and plenty of pairing opportunities helped me quickly narrow my search to the Chase Freedom Unlimited®,” Yarbrough notes.
  • Determine how you’d like to redeem your rewards. Cash back cards are generally easiest if you want to put your rewards back into your everyday spending. If you don’t mind strategizing, you could earn more valuable points with a travel rewards card. Garrett made sure to keep this option open when choosing the Freedom Unlimited: “I can eventually boost the value of the Freedom Unlimited card’s rewards by adding the Chase Sapphire Preferred to my wallet and redeeming points for travel. Until then, the Freedom Unlimited gives me a stellar foundation on which to build my rewards strategy.”

Staff Picks: Our experts' favorite rewards programs

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Ana Staples

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Garrett Yarbrough

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Ryan Flanigan

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Lead Writer, Credit Cards

“I have the Capital One Venture X Rewards Credit Card, which earns incredibly flexible travel rewards. I'm not big on rewards transfers, so I appreciate that Capital One miles hold consistent value whether I book travel through the issuer's portal or use miles to cover recent travel purchases. Plus, I convert my Capital One SavorOne Cash Rewards Credit Card’s cash back into miles to earn free travel faster. It's really simple and convenient!"

Writer, Credit Cards

“I base my cards strategy around earning flexible rewards on everyday spending while minimizing the number of cards I need to use. In all my years of reviewing credit cards, I’ve found the Chase Ultimate Rewards program still strikes the best balance between versatility and value. It’s hard to beat a program that offers top-shelf rewards value through transfer partners, a full 1-cent-per-point cash back redemption value and a unique rewards value boost toward issuer-booked travel.”

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“I like to maximize my rewards on every purchase, no matter how large or small. I get the best value from Chase Ultimate Rewards points, particularly when transferring to World of Hyatt or Southwest Airlines rewards. Whether it's spending towards an annual bonus or using the best bonus multiplier for almost any category, my arsenal of Chase cards bring the largest possible return for the best possible value. Combining my points boosts the value earned by each card, making my Chase cards a well-oiled rewards machine that facilitates great travel experiences for my family.”

What people are saying about rewards credit cards

Bankrate regularly dips into social media to see what big rewards card topics are getting people talking. So what’s currently on consumers' minds? 

One of the more popular, newer discussions is over the Credit Card Competition Act (CCCA), a proposed legislation that could potentially damage credit card rewards programs. The fear: if card issuers ultimately make less income on interchange fees, they’ll reduce consumer card reward opportunities to make up the difference. One Reddit user doesn’t have high hopes:

“They did push exactly this measure through a decade ago for debit cards; now the same guy is pushing the same law for credit cards. Optimistic to bet against him, I fear.”* — Reddit user

User comments from financial Youtuber ClearValue Tax’s videos on the topic hold a similar sentiment:

“Rewards is a HUGE reason I use credit cards other than to build credit. If this happens I would go down to having 1 credit card instead of managing 6 for maximum rewards.”* — ClearValue Tax video comment

A piece of legislation like the Credit Card Competition Act could cripple credit card rewards as we know them. The Capital One and Discover merger could potentially impact the CCCA as it currently stands, but we’ll know more about whether the act may change or pass later this year. 

Other than that, it’s business as usual over on other sites like the credit cards subreddit, Flyertalk and Tiktok. Users are mainly talking about the typical point-chasing topics like best rewards program and card combinations. Some things never change — if we’re lucky.  

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

When evaluating the best rewards cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best rewards cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology and details we considered when putting together our list of the best rewards cards.  

  • Flexibility 15%
  • Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. 

The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.  

Some of the major spending categories that contribute towards the annual spend include:

  • Groceries: $5,700
  • Dining out: $3,600
  • Entertainment: $2,400
  • Gas: $3,100
  • Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Here’s a deeper look at the factors considered as part of a rewards card’s “Value” rating:

  • Ongoing rewards value 30%
  • Sign-up bonus value 25%
  • Annual fee & average APR 20%
  • Rewards rate 15%
  • Annual bonus value 10%

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

  • Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
  • Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
  • Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
  • Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
  • Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

Have more questions for our credit card editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently asked questions about rewards credit cards

Do credit card rewards expire.

Typically, credit card rewards don’t expire for the life of your account. That means your rewards won’t expire as long as you keep your account open and in good standing.

However, make sure to read your rewards program’s terms and conditions carefully since this isn’t guaranteed for all cards. 

Are credit card rewards taxable?

Generally, rewards are not considered taxable since the IRS considers the rewards to be a form of rebate on the purchase. Though uncommon, rewards may be taxable if they’re received under circumstances like bonus offers without a spending requirement. Make sure to look at the credit card’s terms to see the conditions of how you can receive and redeem bonus rewards.

What credit score do I need for a rewards card?

You typically need good to excellent credit (FICO score 670 and higher) to qualify for a competitive rewards card. Premium travel cards might require an excellent credit score (FICO score of 800 and above). You can also find rewards cards for people with fair credit , but the rewards and perks might be limited.

Learn more about rewards credit cards

A man inserting his payment card into a card reader at a point-of-sale terminal. He is using the card reader to make a payment transaction.

How to score a rewards card without good credit

A woman holding a phone in one hand and a credit card in the other hand. She appears to be ready to make an online payment or complete a mobile transaction.

Should I get a travel credit card that earns points, miles or both

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The pros and cons of travel credit cards

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Underrated ways to earn credit card rewards

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Traveler’s guide to the best frequent flyer programs

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Over 100,000 affiliates worldwide choose ClickBank as their preferred marketplace, and for good reason: we’ve paid over $6.2 billion in commissions on time for more than 25 years!

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Popular Affiliate Resources

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Getting Started with ClickBank

Free beginner affiliate course to set up an account and start making sales on ClickBank!

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Spark by ClickBank

Spark is a trusted collection of courses, community, and tools to help you learn affiliate marketing.

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ClickBank Top Offers

View the tools, services, and software that integrate seamlessly with ClickBank’s platform.

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How ClickBank Works

Discover the nuts and bolts of the ClickBank experience.

Acquire new customers with affiliates

Sell your product.

Whether you’re an established brand or a new entrepreneur with a big goal, ClickBank will give you the tools and support you need to seamlessly scale online.

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Popular Seller Resources

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Ecom to DR Success Center

Find out how to transform your e-commerce product into an attractive direct response offer for performance affiliates to promote.

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Seller Launch Checklist

Learn how to onboard your product to ClickBank with a step by step guided tutorial.

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CPA Seller Guide

A ClickBank official guide on how to offer CPA in your affiliate program.

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Integrations

Courses. community. tools., so, what is spark.

Spark is a trusted collection of courses, community, and tools to help you learn affiliate marketing, how to use ClickBank, and how to drive traffic in order to kick start your efforts to make money online.

Taught by the employees who run ClickBank and our most successful clients.

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Popular Spark Resources

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Affiliate Foundations

This program is designed with one simple goal in mind: Getting you that first paycheck as fast as possible and on your way to earning thousands of dollars in commissions.

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Landing Page Lesson

Our landing page lessons walks you through all the essential foundations of building a high-converting funnel and landing page.

Free Course

Get your ClickBank Affiliate journey started with our Free course!

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Discord Community

A one-of-a-kind community set up for all our affiliates to be able to connect, brainstorm, troubleshoot, celebrate, and grow together!

Worldwide Leader in Affiliate Marketing & Ecommerce Growth

At ClickBank, your company is in good company. The ClickBank platform empowers entrepreneurs and brands across the globe to grow, scale, and reach customers like never before. We’ve paid out more than $6.2 billion over the last 25+ years, but we’re just getting started. Is your business our next success story?

What People Say About ClickBank

Michael Curtis

“Since joining Clickbank, I’ve experienced nothing but the best. My earnings are never late and products for sale have improved a lot over the years.”

Jonathan Mizel

“I have been using Clickbank as a buyer and seller since they launched, over 20 years at this point. Great service all around, love and trust them completely.”

“I sell a product via Clickbank (pianoforall.com) and I have had amazing success through their affiliate system – can’t fault it and would highly recommend them.”

Kevin Butters

“Great affiliate network, good vendor offers and regular payments make this the no1 choice for affiliate marketers.”

“Fantastic platform for selling your products. I’ve been doing it full time for the last 10 years. Payments are always on time & account managers are always very helpful. Keep it up!”

Dawn Sylvester

“Great tool for vendors and affiliate marketing. I have found ClickBank very easy to navigate as a vendor, AND have found it simple to use as an affiliate marketer.”

Surya Kumar

“Clickbank is the best affiliate marketing network. We work with a bunch of networks and Clickbank is always on the top of our list.”

Frequently Asked Questions (FAQ)

How do I get started as an affiliate on ClickBank?

First, you should  sign up for a free ClickBank account here . Then, you can browse the ClickBank marketplace and find offers to promote in your chosen niche or vertical.

For more information,  check  out our  ClickBank for Beginners  guide   or our  free  video  affiliate course   –  these are both  step-by-step  resources   for affiliates looking to   get  started .  

How do I get started as a seller on ClickBank?

Building an affiliate program and becoming a seller on ClickBank starts with the type of product you sell. Get a full  checklist and walkthrough for onboarding your product with our  Seller Launch Checklist here .    

How does ClickBank work?

ClickBank is an e-commerce platform and affiliate marketplace that serves as an intermediary between the end customer, product owner, and affiliate marketer. As the merchant of record, ClickBank processes each order and routes the funds from each transaction to the parties involved in a purchase.    

Learn more about  how ClickBank works here .  

What’s new on ClickBank?

We’ve introduced a handful of exciting new features  in just the last few years. These   include  an overhauled affiliate marketplace,  improved order forms,  CPA commissions, twice weekly payments,  and powerful integrations, including  with Shopify.  

Does ClickBank offer CPA?

Yes, ClickBank offers both a revenue share ( RevShare ) and cost-per-action (CPA) commission structure! You can  learn  more about  CPA on ClickBank here .  

What tech integrations does ClickBank have?

ClickBank features  robust native  integrations  with a wide range of popular software tools and services.  These include  Voluum ,  ClickFunnels ,  Everflow , Bluehost,  AWeber ,  and  ShipOffers . See the  full list of integrations here .   

Where can I learn more about affiliate marketing?

ClickBank offers plenty of free resources on  the  ClickBank  blog  and  YouTube channel .  If you want to take your learning to the next level,  check out  Spark by ClickBank , our official affiliate marketing education program with courses on copywriting, email marketing, paid ads, organic traffic, and more!  

Ready to get started?

There’s never been a better time to promote or sell on ClickBank!

Watch CBS News

Passports can now be renewed online. Here's how to apply.

By Khristopher J. Brooks

Edited By Anne Marie Lee

June 13, 2024 / 11:24 AM EDT / CBS News

U.S. travelers can now renew their passport online under a pilot program the U.S. Department of State launched on Thursday. 

The State Department's new online system will allow U.S. passport holders to start a renewal application for a short window of time every day, closing once the system has reached a designated number of new applications, officials said in a statement . The agency is preparing a full launch of the renewal system at some point after testing, but didn't provide an exact date. 

If successful, an online renewal system could shorten the sometimes monthslong process travelers experience when trying to update their passport. 

"During the next several months, we plan to continue to limit the number of applications accepted each day so we can monitor the system's performance in real time," the department said. "If you are unable to start your application, try again on another day."

Processing passports has become a growing problem for the State Department ever since COVID-19 travel restrictions were lifted, with the agency bombarded with an overwhelming number of applications  each week. The passport application backlog grew so heavy last year that federal lawmakers from California, Colorado and Oklahoma introduced separate proposals to the Senate to speed up the application process. 

Republican Sen. James Lankford of Oklahoma  proposed legislation  that would improve the online tracking of passport applications and allow the State Department to hire more staff. Democratic Reps. Adam Schiff and Ted Lieu of California introduced the  PASSPORT Act  to streamline the passport application and renewal process.

The number of Americans holding valid U.S. passports has grown at roughly 10% faster than the population over the past three decades, said Jay Zagorsky, an economist at Boston University. Just 5% of Americans had a passport in 1990, according to the State Department. That number grew to 48% in December.

The State Department issued a record setting 24 million passports in 2023. Wait times for passport applications and renewals  returned to their normal 6-8 week time frame in December , the State Department  said . 

Renewing your passport online involves a six-step process:

  • Create a free MyTravelGov online account. 
  • After the account is created, log in and start a renewal application by clicking on the "Renew Your Passport" button.
  • On the form that appears, fill in all the boxes with the information currently printed on your passport.
  • Enter your plans to travel internationally if your departure is within the next eight weeks.
  • Upload a jpeg photo of yourself. No selfies. 
  • Pay the passport renewal fee and digitally sign the application.

Visit the State Department's online renewal website for more details. 

Khristopher J. Brooks is a reporter for CBS MoneyWatch. He previously worked as a reporter for the Omaha World-Herald, Newsday and the Florida Times-Union. His reporting primarily focuses on the U.S. housing market, the business of sports and bankruptcy.

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IMAGES

  1. Guide on How To Use United's Travel Bank

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  2. (New Issues) United Travel Bank Goes Dark, Hopefully A Temporary Thing » TrueViralNews

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  3. How to Find Your United Travel Bank Expiration Date Online

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  4. Buying United TravelBank credit to earn bonus miles

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  5. How to Find Your United Travel Bank Expiration Date Online

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  6. www.united.com/refunds

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COMMENTS

  1. TravelBank

    TravelBank cash is valid for air travel purchases on United and United Express® flights and as otherwise permitted by United. After a TravelBank Award is issued, a service charge may be imposed for each change or cancellation requested by the Member. ... Some purchases made with TravelBank cash may be subject to a refund that purchaser may ...

  2. Refund form

    If your ticket qualifies, your refund will be credited to your original form of payment unless you request an electronic travel certificate. Please allow up to 7 business days for us to process your request. The timing of refunds for tickets purchased in international locations may be different. Use our refund form to request a refund for your ...

  3. Refund Policy

    General refund policy. Go to My Trips to cancel your reservation and start the refund process. If your ticket was purchased in the last 24 hours, it may qualify for our 24-hour booking policy. The refund amount will vary based on the situation. Credit card refunds will be processed within seven business days of the request.

  4. United TravelBank: What You Need to Know

    4. It's possible to use credit card travel credits to fund your United TravelBank. United TravelBank purchases often code as travel expenseson your credit card bill. That means you can earn ...

  5. Travel Bank and refunds : r/unitedairlines

    Once the funds are in the Travel Bank, they stay with United and need to be used on United purchases. Amex credit card travel credit isn't meant to be used for future travel, but that's one way to get around it, albeit with these caveats. If I use funds in my Travel Bank to purchase a ticket, then request a refund, will the funds be sent ...

  6. Travel bank refund speed? : r/unitedairlines

    United did get back the refund faster than I expected. The travel bank showed up about 3 days later and the refund about 5/6 days later. Alas, the price rose so I'm just staring day after day to see if it drops haha... I had a problem with my travel bank and was transferred to the website support group.

  7. Cancellation of a paid ticket with travel bank funds

    Thanks! No, if you book with travel bank funds, you'll be refunded in exactly that manner. You get refunded with the same funds you booked. What happens if I cancel a paid ticket with travel bank funds outside the first 24-hour? Do I get refund? Is the refund in the form of travel bank or….

  8. UA "TravelBank" Q&A , with option to deposit funds

    UA had a program where purchasing a ticket on united.com would receive a $5 Travel Bank bonus. This was called united.com Club and had an annual $25 subscription fee. This ended in early 2020. But funds are still accessible for 18 months after earning. Also at one time the Travel Bank had a Gift Registry pre-2018.

  9. How to Apply Travel Funds on United

    Step-by-step guide to using your United travel funds. Applying your travel funds to a United flight is both easy and intuitive. First, you'll want to search for a flight directly on the United ...

  10. How to Get a United Airlines Refund

    Using United travel credits. To view any account credits, visit the United travel credits webpage. Again, you'll have to enter the original flight's confirmation number and your name to access ...

  11. UA "TravelBank" Q&A , with option to deposit funds

    The United Travel Bank has been around for many years. UA had a program where purchasing a ticket on united.com would receive a $5 Travel Bank bonus. This was called united.com Club and had an annual $25 subscription fee. This ended in early 2020. But funds are still accessible for 18 months after earning.

  12. Canceling Flights

    Posts: 120. Canceling Flights - United Travel Bank credit. In July I booked two one way standard economy tickets for September travel, LAX-EWR, EWR-LAX. One ticket I purchased paying $93.70 cash and a $50 travel bank credit courtesy of IHG rewards. The second ticket was booked under my Friends Mileage plus naming me as the traveler, paying $93. ...

  13. Things to Keep in Mind About Airline Travel Bank Credits

    Refunds: Available back to Travel Bank, subject to normal ticket refund rules: Full T&C: Link: Note: United's Travel Bank Terms and Conditions only mention an expiration at 18 months, but they show a different expiration date next to each load at this link. It's unclear whether either or both apply. To be safe, I'd assume both.

  14. What To Do If An Airline Won't Refund Your Canceled Flight

    Caroline Lupini has been traveling the world with the help of credit card rewards since 2011. She has visited over 110 countries and is able to utilize her knowledge of credit cards and to make ...

  15. United Promotions

    United Promotions - United Airlines

  16. Refund on United Airlines for medical reasons

    Had to change my travel reservations with United because of last minute medical issues. United said that if I submitted my data with doctors letter, they would issue the $432.50 refund. After submission I received an email saying that the refund was processed and issued. this was in December 2015. To date I have not seen the refund.

  17. United Explorer Card review: Full details

    United℠ Explorer Card overview. The United℠ Explorer Card isn't your average airline credit card. It's packed with premium perks such as an up-to-$100 Global Entry or TSA PreCheck application fee statement credit, two annual one-time lounge passes and free checked bags — easily justifying its modest $95 annual fee (which is waived for the first year).

  18. Refund on United Airlines for medical reasons

    Answer 171 of 262: My son broke his leg a few days before a family trip and we needed to cancel our flight on United Airlines. I called 3x and got 3 different answers (BTW, each call took over an hour): they give you back cash minus $50 service fee they give...

  19. Airlines Will Now Be Required to Give Automatic Cash Refunds for

    Complaints about refunds skyrocketed during the COVID-19 pandemic, as airlines canceled flights and, even when they didn't, many people didn't feel safe sharing a plane cabin with other passengers.

  20. TravelBank Credit Expiring : r/unitedairlines

    Book a non-basic economy ticket, then cancel after 24 hours. It will convert to a flight credit good for one year (and can only be used by whoever you booked the ticket for). Don't cancel within 24 hours because United will process it back to travel bank with the original expiration date. I have some United TravelBank credit expiring soon ...

  21. Refund on United Airlines for medical reasons

    We book all flights using our bank's premium card that includes travel insurance. We have now found out that it didn't include trip cancellation. Only trip interruption which only clicks once you have started travelling. We have now lost over CD$2500.

  22. Current United MileagePlus credit card welcome offers

    United Quest Card. Sign-up bonus: Earn 70,000 bonus miles and 500 Premier qualifying points after spending $4,000 on qualifying purchases in the first three months of opening an account. Offer ends August 7. Annual fee: $250 Earning rate: Earn 3 miles per dollar on United purchases (after your $125 annual United statement credit); 2 miles per dollar on dining, all other travel and select ...

  23. Best Rewards Credit Cards of June 2024

    The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top choices available from our partners.

  24. Tax refund?? (for some UA Travel Bank funded trips?)

    Looking at the fare breakdown, refunds appears to be US transportation tax of $6.14, US flight segment tax of $8.20 and US passenger facility charge of $9.00. Odd. Programs: UA Gold 1MM, AS 75k, AA ExPlat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ... Originally Posted by Troopers.

  25. United Promotions

    Earn and use TravelBank cash to book your flights with United Airlines. TravelBank cash is a flexible and convenient payment option that you can get from promotions, credit cards, or refunds. No restrictions or blackout dates apply.

  26. Check your federal or state tax refund status

    The exact whole dollar amount of your refund ; Use the IRS Where's My Refund tool or the IRS2Go mobile app to check your refund online. This is the fastest and easiest way to track your refund. The systems are updated once every 24 hours. You can contact the IRS to check on the status of your refund. If you call, wait times to speak with a ...

  27. Latest Information for U.S. Citizens

    U.S. citizens should heed the Travel Advisory for Israel, the West Bank, and Gaza. The U.S. Embassy continues to closely monitor the dynamic security situation in Israel, the West Bank, and Gaza. There are active military operations and active rocket and mortar fire in Gaza and the Gaza periphery. Terrorist groups, lone-actor terrorists and ...

  28. ClickBank

    ClickBank is a leading affiliate marketing network with its own marketplace. We empower affiliates and brands to grow their sales online.

  29. United hasn't refunded my travel bank credits after ...

    The United Refund Center person will need to email the TB person. It took me a couple calls to get this done but this is the way. Do not be a pushover and you might have to get firm with them (don't yell or be aggressive the) ... Usually this isn't as flexible as travel bank credits, but if you are trying to book another trip and are waiting ...

  30. Passports can now be renewed online. Here's how to apply

    Tips and tricks for summer travel season 03:33. U.S. travelers can now renew their passport online under a pilot program the U.S. Department of State launched on Thursday.. The State Department's ...