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If you have a good credit score, it's smart to think about how to get more value from your credit cards. Credit card rewards are a popular option, as they're one of the most valuable features card issuers offer. In this guide, you'll learn everything you need to know to maximize your credit card rewards.
Maximizing your credit card rewards is achieved through using your rewards card on your spending and paying the bill in full every month
Here are a few guidelines to make the most of your rewards credit card:
To qualify for the rewards cards with the most benefits, you'll generally need good or excellent credit. If you need help raising your credit score, you can learn how in our credit score guide.
If you want to take advantage of the perks of a rewards credit card, take a look at a few of our favorites below. Our full list of the Best Rewards Credit Cards has a lot more options to consider too.
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Wells Fargo Active Cash® Card | Capital One Venture Rewards Credit Card | Discover it® Secured Credit Card |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: New/Rebuilding Under(579)
New/Rebuilding Under(579) |
Welcome Offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. $200 cash rewards |
Welcome Offer: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel 75,000 Miles |
Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year. |
Rewards Program: Earn unlimited 2% cash rewards on purchases. 2% cash rewards |
Rewards Program: 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. 2X-5X miles |
Rewards Program: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically 1% - 2% Cashback |
Intro APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: n/a Balance Transfers: 10.99%, 6 months |
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR |
Regular APR: 19.99% - 29.99% (Variable) |
Regular APR: 28.24% Variable APR |
Annual Fee: N/A $0 |
Annual Fee: $95 |
Annual Fee: $0 |
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Chase has the best credit card rewards program because it has several quality travel partners and it offers the best rates when you use points for cash travel bookings.
Here's how you can use Chase Ultimate Rewards points to save big on travel:
Here are some of our top-rated Chase cards that could be a good fit for you if you're looking for travel rewards.
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Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Ink Business Preferred® Credit Card |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome 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 |
Welcome Offer: 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℠. 60,000 bonus points |
Welcome Offer: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 120,000 bonus points |
Rewards Program: 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. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: 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. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Rewards Program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 3 points per $1 in select business categories |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Regular APR: 21.49%-28.49% Variable |
Regular APR: 22.49%-29.49% Variable |
Regular APR: 21.24%-26.24% Variable |
Annual Fee: N/A $95 |
Annual Fee: N/A $550 |
Annual Fee: N/A $95 |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
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The Chase Ultimate Rewards program ranks at the top, but there are a couple of other great rewards programs you may want to check out.
American Express also offers quite a few travel partners in its popular rewards program. You can transfer American Express Membership Rewards points to over 20 different partners. That includes domestic airlines, international airlines, and hotels. The Membership Rewards program provides so many options that American Express rewards credit cards work well if you like to shop around for the best travel rewards deals.
American Express has several credit cards with travel rewards that we love. Take a look at a few here.
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The Platinum Card® from American Express | American Express® Green Card | Delta SkyMiles® Gold American Express Card |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Apply Now for The Platinum Card® from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Gold American Express Card
On American Express' Secure Website. Terms apply |
|
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: 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. 80,000 Membership Rewards® Points |
Welcome Offer: Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership. 40,000 Membership Rewards® Points |
Welcome Offer: Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. 40,000 Bonus Miles |
Rewards Program: 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. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply. 1X-5X Membership Rewards® Points |
Rewards Program: 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. The 1x points on other purchases. 1x - 3x points |
Rewards Program: Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases. 1X-2X Miles |
Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: n/a Balance Transfers: n/a |
APR: See Pay Over Time APR |
APR: See Pay Over Time APR |
APR: 20.99%-29.99% Variable |
Annual Fee: $695 |
Annual Fee: $150 |
Annual Fee: $0 introductory annual fee for the first year, then $150. |
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Apply Now for The Platinum Card® from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Gold American Express Card
On American Express' Secure Website. Terms apply |
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Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company. Extended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company. The information for the American Express® Green Card has been collected independently by The Ascent and not provided by the issuer. Therefore, some terms may be out of date. Visit the issuer's website for more information. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Car rental loss & damage insurance underwritten by AMEX Assurance Company.
Citi is another card issuer to consider as you shop for rewards credit cards. It has over a dozen travel partners where you can send your Citi ThankYou points. Most of these travel partners are international airlines. If there are any international frequent flyer programs you like, Citi rewards credit cards could be just what you need.
If you're interested in Citi, take a look at a few of our favorite cards that offer rewards below.
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Citi Strata Premier℠ Card | Citi Prestige® Card | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Excellent (740-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: 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 ThankYou® Points |
Welcome Offer: 50,000 points after spending $4,000 within 3 months 50,000 ThankYou Points |
Welcome Offer: Earn 50,000 American Airlines AAdvantage®bonus miles after spending $2,500 in purchases within the first 3 months of account opening. 50,000 miles |
Rewards Program: 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. 1x - 10x points |
Rewards Program: 5x points for air travel and restaurants, 3x points for hotels and cruises, 1x point on other purchases 1x - 5x points |
Rewards Program: 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases, 1 mile per dollar on other purchases 1x - 2x miles |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Regular APR: 21.24% - 29.24% (Variable) |
Regular APR: 16.99% - 23.99%, variable |
Regular APR: 21.24% - 29.99% (Variable) |
Annual Fee: $95 |
Annual Fee: $495 |
Annual Fee: $99, waived for first 12 months |
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This offer is no longer available for new applicants. The information for the Citi Prestige® Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
Bank of America rewards credit cards are ideal if you already use its banking or investment services. Through the Bank of America Preferred Rewards program, you can get bonuses of 25% to 75% on all your credit card rewards. To qualify, you need to meet minimum balance requirements that start at $20,000.
Unlike the card issuers above, Bank of America doesn't offer transfers to travel partners. Instead, it offers cash back rewards and fixed-rate travel redemptions depending on which of its cards you have.
Here are a few rewards cards from Bank of America that are worth a look.
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Bank of America® Premium Rewards® credit card | Bank of America® Travel Rewards credit card | Bank of America® Travel Rewards credit card for Students |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Apply Now for Bank of America® Premium Rewards® credit card
On Bank of America's Secure Website. |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Apply Now for Bank of America® Travel Rewards credit card for Students
On Bank of America's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: 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 |
Welcome Offer: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 25,000 points |
Welcome Offer: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 25,000 points |
Rewards Program: Unlimited 2 points per dollar on travel & dining purchases, unlimited 1.5 points per dollar on all other purchases 1.5 - 2 points per dollar |
Rewards Program: Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. 1.5 points per dollar |
Rewards Program: Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 1.5 points per dollar |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days |
Intro APR: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days |
Regular APR: 21.24% - 29.24% (Variable) |
Regular APR: 19.24% - 29.24% (Variable) |
Regular APR: 19.24% - 29.24% (Variable) |
Annual Fee: $95 |
Annual Fee: $0 |
Annual Fee: $0 |
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Apply Now for Bank of America® Premium Rewards® credit card
On Bank of America's Secure Website. |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Apply Now for Bank of America® Travel Rewards credit card for Students
On Bank of America's Secure Website. |
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Credit card rewards programs are generally the better option if you travel multiple times per year. The top rewards programs give you ways to redeem points for a high value when you use them to book travel. Transferring points to travel partners, in particular, is one of the smartest ways to maximize credit card rewards.
Cash back is the better choice if you aren't a frequent traveler. It's also the way to go if you want the simpler credit card rewards option. There can be a learning curve to credit card rewards programs as you figure out how to best use your points. With cash back, you don't need to deal with that. Cash back credit cards are easy to use and can work for anyone.
Some other questions we've answered:
The Chase Sapphire Preferred® Card offers the best rewards. It earns Chase Ultimate Rewards points, which you can transfer to airline and hotel partners or use to book travel in cash. This Chase credit card also has a big sign-up bonus and a reasonable $95 annual fee.
Points are typically the best type of credit card rewards, because they have the most potential value. This is especially true with Chase, American Express, and Citi points. All three credit card companies allow you to transfer points to travel partners, which can get you more value than any other type of redemption.
To make the most of your rewards credit card, use it for every purchase so you earn as many credit card rewards as you can. Make sure you follow a budget so that you don't overspend, and pay off your credit card bill in full every month to avoid interest charges.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.