Best Flexible Rewards Cards
Best for Earning Ultimate Rewards
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Though Chase offers a few cards that earn transferable points, the Chase Sapphire Preferred® Card balances phenomenal redemptions with a reasonable annual fee, making it my personal favorite.
Why We Like It
This card is equally good for travelers who want to transfer points to travel partners or those who want to book (with a bonus) on the travel portal to avoid blackout dates and other restrictions.
What We Don’t Like
Many purchases only earn one point per dollar spent.
Who It’s Best For
Casual and frequent travelers who don’t want a steep annual fee.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
Card Details
- 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
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℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Premium Flexible Rewards Card
Capital One Venture X Rewards Credit Card
On Capital One's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
Not only are Capital One Rewards valuable, but the Capital One Venture X Rewards Credit Card (rates & fees) comes with a slew of upmarket travel benefits that make it worthy of its high-end reputation and a mainstay in my wallet.
Why We Like It
Flat-rate rewards on every purchase make this card super straightforward.
What We Don’t Like
Capital One Rewards are worth less than a penny apiece if you want to redeem them as cash back.
Who It’s Best For
Travelers who want premium perks and an easy-to-offset annual fee.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- 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
- 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
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flexible Rewards Card for Travel Protections
Chase Sapphire Reserve®
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
22.49%-29.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
I love that the list of included travel insurances on the Chase Sapphire Reserve® puts it head to head with individually paid policies without the separate cost.
Why We Like It
The Reserve’s annual travel credit is one of the easiest to use, since it’s automatically applied to qualifying purchases.
What We Don’t Like
To earn the highest rate of rewards on travel, you need to book your trip through Chase Travel.
Who It’s Best For
Frequent travelers who want to maximize their reward value on travel redemptions.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- 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 reimbursem*nt 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®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
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℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Premium Card for Lounge Access
The Platinum Card® from American Express
On American Express's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
5X Reward Rate
Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
Travelers get access to a long list of credits and benefits with The Platinum Card® from American Express (rates & fees), including airport lounge access that goes above and beyond Priority Pass so you don’t go crazy on your next connection.
Why We Like It
There’s a travel credit or benefit for nearly any scenario.
What We Don’t Like
Many of the statement credit offers have a lot of fine print that can make it more inconvenient to earn your credits.
Who It’s Best For
Frequent travelers who want rich travel and lifestyle perks.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- Very high annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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, Peaco*ck, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $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.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: 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 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
- Terms Apply.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 4X Reward Rate
Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$250
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
If you’re looking for strong rewards when grocery shopping, eating out or ordering in, you can’t beat the American Express® Gold Card (rates & fees). Dining and delivery statement credits caught my attention.
Why We Like It
You’ll earn rewards quickly, thanks to a 4x multiplier on eligible purchases.
What We Don’t Like
The annual fee on this card isn’t insignificant.
Who It’s Best For
Foodies and families who spend a lot on dining and groceries.
Pros & Cons
- High rewards earnings possibilities
- Points transfer option to many partners
- Add up to 5 authorized users for no additional annual fee
- Can choose from regular or rose gold versions
- No lounge benefits
- Limited options to carry a balance
- High APR for pay over time feature
- High pay over time penalty APR
Card Details
- 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.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Rewards Credit Cards
Best No-Annual-Fee Chase Card
Chase Freedom Flex℠ *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More
Welcome Bonus
$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Chase Freedom Flex℠* includes elevated cash back on three categories year-round plus 5% rotating bonus categories each quarter, which makes it a winner by my standards.
Why We Like It
The earning rates on the Freedom Flex are generous for a no annual fee credit card.
What We Don’t Like
Quarterly bonus categories require card members to activate the promotion and watch for spending limits.
Who It’s Best For
People who want to maximize rewards on a variety of everyday spending categories throughout the year.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Travel℠ to earn 5% cash back
Card Details
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
- 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores and 1% on all other purchases
- No annual fee
Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening, plus earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 5% Reward Rate
5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All otherRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% (Variable)
Credit Score
Excellent, Good, Fair
Our Expert Take
Cardholders automatically earn a generous 5% cash back on their top eligible spending category for hands-off, flexible rewards on the Citi Custom Cash® Card. That’s a relief when your life gets busy.
Why We Like It
In addition to cash rewards, this card also offers an introductory 0% APR to new cardholders.
What We Don’t Like
Earnings are limited, despite the high rate, due to a relatively low $500 spending limit on bonus categories each billing cycle.
Who It’s Best For
People who want bonus rewards that adapt to their spending.
Pros & Cons
- No registration required to earn bonus rewards
- Cash-back categories are unique categories that other cards may not offer bonus rewards for
- Introductory APR on purchases and balance transfers
- No annual fee
- High balance transfer fee
- High foreign transaction fee
- Some everyday rewards categories are neglected
Card Details
- 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.
- 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.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Amazon's Website
Up to 5% back
Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligibleRead More
Welcome Bonus
Get a $100 Amazon Gift Card
Annual Fee
$0
Regular APR
19.49% - 27.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The benefits and unparalleled rewards on the Prime Visa make it a must-have for Prime members who shop at Amazon as much as I do.
Why We Like It
If you prefer, you can choose to receive 0% financing on qualifying Amazon.com purchases instead of earning rewards.
What We Don’t Like
Your rewards rate on Amazon purchases will drop if you ever cancel your Prime membership.
Who It’s Best For
Amazon Prime members.
Pros & Cons
- 5% cash back on Amazon and Whole Foods purchases
- No spending required for the welcome bonus
- No foreign transaction fees
- Travel and shopping protections
- Requires an Amazon Prime membership
- No 0% introductory APR
- Low cash back for purchases outside of bonus categories
Card Details
- Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- 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
- Member FDIC
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Cash Back
Earn 5% cash back on Instacart app and Instacart.com purchases; earn 5% cash back on travel purchased through the ChaseRead More
Welcome Bonus
Instacart credit + 1 free year of Instacart+
Annual Fee
$0
Regular APR
20.24% - 28.99% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Customers who buy all their groceries through Instacart can earn bountiful cash back with the Instacart Mastercard® without the commitment of an annual fee.
Why We Like It
It’s rare to earn 5% cash back on grocery purchases on a no-annual-fee card.
What We Don’t Like
The card earns lackluster rewards if you shop in person, which might mean it’s a bad fit for an occasional delivery indulgence.
Who It’s Best For
Frequent Instacart shoppers.
Pros & Cons
- Generous cash-back rate on Instacart orders
- Free year of Instacart+ membership
- Redeem cash back for any amount
- No annual fee or foreign transaction fee
- Rate on gas, groceries and streaming is just OK
- No elevated earnings on non-Instacart groceries, beyond Chase Travel purchases
- Doesn’t offer a 0% introductory APR period
Card Details
- Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
- No annual card fee
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 5% Reward Rate
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more,Read More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
17.24% - 28.24% Variable APR
Credit Score
Excellent/Good
Our Expert Take
In the first year of card membership, Discover will match all the cash back you’ve earned on the Discover it® Cash Back for an easy jumpstart to your rewards balance. I love that there are no limits.
Why We Like It
You can earn up to 5% cash back on rotating quarterly bonus categories.
What We Don’t Like
Discover cards aren’t accepted at many international locations, so it is a poor choice for travelers.
Who It’s Best For
Big spenders who want to maximize rewards on various everyday spending categories and all their first-year spending.
Pros & Cons
- 5% cash back on quarterly rotating spending categories throughout the year (activation required)
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- No minimum cashback redemption
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate on everything else
Card Details
- 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.
- 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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Airline Rewards Cards
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, andRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$95
Regular APR
21.74% - 28.74% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Even if you don’t fly Air Canada often, the Aeroplan rewards program is top notch. The Aeroplan® Credit Card earns miles at superb rates and I’m impressed it offers preferred award pricing to cardholders.
Why We Like It
In addition to earning strong rewards, the Aeroplan card offers tons of benefits while flying—including elite status for new cardholders.
What We Don’t Like
Aeroplan miles might not be an immediate choice for U.S.-based flyers.
Who It’s Best For
Travelers who want to earn award flights with Air Canada.
Pros & Cons
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers
- $95 annual fee
- Lacks non-travel related benefits
Card Details
- Earn 60,000 bonus points
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Airline Card for Short Flights
British Airways Visa Signature® Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
Earn 75,000 Avios.
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
I don’t fly to or through London enough to need this card, but the British Airways Visa Signature® Card bundles great benefits for British Airways flyers, including discounts on paid flights, statement credits toward taxes and fees on eligible rewards flights and the opportunity to earn a Travel Together ticket.
Why We Like It
British Airways makes a lot of award seats available, meaning it’s easier to find a redemption and the card perks offset some of the notorious fees.
What We Don’t Like
For an airline card, this one is notably absent in benefits while flying like free checked bags or in-flight food and beverage discounts.
Who It’s Best For
Travelers who want to earn award flights with British Airways and partner airlines.
Pros & Cons
- Generous rewards on eligible flights
- Potential to earn a companion ticket
- Lucrative welcome bonus
- No foreign transaction fee
- Rewards rate poor outside of Avios-earning airlines
- Subject to Chase’s 5/24 rule
- No checked baggage or lounge perks
Card Details
- Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases in your first year!
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More
Welcome Bonus
Earn 60,000 bonus miles
Annual Fee
$250
Regular APR
21.99% - 28.99% Variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
Despite the above-average annual fee, the United Quest℠ Card stands out for anniversary flight credits, statement credits toward United purchases and perks while flying that make travel a breeze.
Why We Like It
The benefits while flying go beyond the checked bags you’re expecting: The card also offers potential upgrades on award flights.
What We Don’t Like
Since the anniversary mile bonus requires you to make and fly eligible award flights, not all cardholders will maximize this benefit every year.
Who It’s Best For
Travelers who want to earn award flights with United Airlines.
Pros & Cons
- $125 annual United purchase credit
- Earn up to two 5,000-mile award flight credits annually
- Two free checked bags for cardholder and a companion traveling on the same reservation
- Earn up to 6,000 Premier Qualifying Points annually
- Primary auto collision damage waiver for eligible rentals
- Checked baggage benefit only applies to one companion
- Earnings for general purchases are only 1 mile per dollar
Card Details
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
- Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
- Member FDIC
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Rewards Cards
Best Hotel Card for Earning IHG Points
IHG One Rewards Premier Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 26X Reward Rate
Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points perRead More
Welcome Bonus
Earn 140,000 bonus points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Anyone who stays at IHG hotels regularly would do well with the IHG One Rewards Premier Credit Card, which offers an Anniversary Free Night, “fourth night free” perks and oodles of points-earning opportunities. I love this card for its benefits more than the points, though.
Why We Like It
The Anniversary Free Night alone—which is easy to use—is worth more than the annual fee, making the other perks feel “free”.
What We Don’t Like
Other travel rewards cards offer better earning rates on travel outside of the IHG umbrella.
Who It’s Best For
Travelers who want to earn free stays at IHG hotels and resorts.
Pros & Cons
- Earn up to 26 points per dollar spent on IHG hotels worldwide
- Free night award every account anniversary
- Fourth night free on point redemption stays
- Automatic Platinum Elite status
- Poor earnings for everyday and non-category hotel purchases
- Low overall point value
- No worthwhile redemption options outside of IHG properties
Card Details
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Earning Hyatt Points
The World of Hyatt Credit Card
On Chase Bank USA, NA's Website
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 9X Reward Rate
Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More
Welcome Bonus
Up to 60,000 Bonus Points
Annual Fee
$95
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
I’ve heard stories of how amazing Hyatt status is, and The World of Hyatt Credit Card puts it in reach—plus, it offers a free night certificate annually.
Why We Like It
This is one of the few alternate ways to work toward elite status.
What We Don’t Like
Although Hyatt’s footprint is growing, there are still fewer destinations serviced worldwide, which could limit your award options.
Who It’s Best For
Travelers who want to earn free stays at Hyatt hotels and resorts and want a jumpstart toward earning status.
Pros & Cons
- Annual free night certificate on cardmember anniversary
- Complimentary World of Hyatt Discoverist status
- High points redemption values
- Generous welcome bonus
- Limited number of properties
- No worthwhile redemption options aside from Hyatt properties
- No intro APR offer
Card Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Earning Hilton Points
Hilton Honors American Express Surpass® Card
On American Express's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 12X Reward Rate
Earn 12X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 6XRead More
Welcome Bonus
Earn 155,000 bonus points
Annual Fee
$150
Regular APR
20.99%-29.99% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Hilton Honors American Express Surpass® Card (rates & fees) wraps up Hilton statement credits, meaningful elite status and a boatload of points at a palatable price.
Why We Like It
The elite status offered by most hotel credit cards is mid, but the Surpass lifts you right up to Gold.
What We Don’t Like
Hotel statement credits are provided quarterly, so you’ll need to make multiple purchases over the course of a year to max out this perk.
Who it’s Best For
Travelers who want to earn free stays at Hilton hotels and resorts.
Pros & Cons
- Complimentary elite Gold status
- Up to $200 back each year on eligible Hilton purchases
- 4 points per dollar on U.S. online retail purchases
- Annual fee
- Points have a low redemption value aside from Hilton Properties
Card Details
- Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Earning Wyndham Points
Wyndham Rewards Earner® Plus Card *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6X Reward Rate
Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; EarnRead More
Welcome Bonus
100,000 bonus points
Annual Fee
$75
Regular APR
20.99% - 29.99% variable
Credit Score
Excellent/Good Credit(700 - 749)
Our Expert Take
We picked the Wyndham Rewards Earner® Plus Card* for its strong earning rate on Wyndham stays and gasoline purchases, but the annual points bonus and room discounts don’t hurt either.
Why We Like It
Wyndham Rewards give you lots of options for free stays, especially in North America where they also partner with Vacasa vacation rentals.
What We Don’t Like
Wyndham points expire even if there’s activity on your account, so you can’t hoard points (you shouldn’t anyway).
Who It’s Best For
Travelers who want to earn free stays at Wyndham hotels, motels and resorts.
Pros & Cons
- Automatically receive Wyndham Rewards Platinum elite status
- No foreign transaction fee
- Enjoy extra discounts on local attractions when booking “Go Free” awards
- APR can be high, depending on your creditworthiness
- Target and Walmart only earn 1 point per dollar spent
- Only hotel redemptions offer good value
Card Details
- Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
- Earn 6 points per $1 spent on hotels by Wyndham and gas purchases
- Earn 4 points per $1 spent on dining and groceries (excluding Target and Walmart)
- Earn 1 point per $1 spent on all other purchases
- Receive Wyndham Rewards PLATINUM membership, which includes early check-in, car rental upgrades and more
- Receive 7,500 bonus points each anniversary year
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Card for Earning Marriott Points
Marriott Bonvoy Boundless® Credit Card *
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6X Reward Rate
Earn 6 points for every $1 at participating Marriott Bonvoy hotels, 3 points for every $1 spent each year (upRead More
Welcome Bonus
Earn 3 Free Night Awards
Annual Fee
$95
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Compared to other Marriott cards, the Marriott Bonvoy Boundless® Credit Card* is my favorite because it comes with a Free Night Award every anniversary on top of rewarding you handsomely for Marriott charges.
Why We Like It
The annual fee is a steal considering it includes a Free Night Award.
What We Don’t Like
Unbonused spend earns 2 Bonvoy points per dollar spent, which isn’t worth as much as you’d get from a 2% cash-back card.
Who It’s Best For
Travelers who want to earn free stays at Marriott hotels and resorts.
Pros & Cons
- Free night certificate every year (valued at 35,000 points)
- 15 Elite Night Credits per year
- Automatic Silver Elite status
- Stingy earnings structure
- High APR
- $95 annual fee
Card Details
- Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
- Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
- Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
- Earn 2 points per dollar spent on all other purchases
- Points don’t expire as long as you make purchases on your credit card every 24 months
Earn 3 Free Night Awards after spending $3,000 on purchases in the first 3 months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
