Best Reward Cards: Top Rewards Credit Card Programs

Every time you swipe, tap, dip, or type to pay for a purchase with your credit card, the merchant has to pay a small fee to the credit card companies for processing the transaction. The best credit cards give you a slice of that fee in the form of credit card rewards – and there are plenty of rewards cards to choose from.

What’s the best credit card for rewards? Short answer: it depends. Credit card reward programs run the gamut; some offer point bonuses, others reward certain types of spending. It’s not a one-size-fits all solution, but your perfect reward card fit is out there.

The top reward credit cards cater to an array of desires. Whether you want to get cash back or earn miles and points toward free travel, the cards below are all a great place to get started.

Chase Sapphire Preferred

This card continues to gain in popularity, and has become a favorite amongst the list of best rewards credit cards. After starting out with a valuable 60,000-point bonus after spending $4,000 in the first 3 months, this popular travel rewards card offers 2x points per dollar on travel and restaurant purchases and 1 point per dollar everywhere else. Points are worth 1.25 cents each when booking with Chase Ultimate Rewards, or you can transfer them to a partner airline or hotel to book a reward directly.

While moving points to United, Southwest, Marriott, or other partners may sound like extra work, it can help you squeeze out even more value per point when it comes time to redeem. For example, many United awards start at 25,000-points round trip. That’s fewer points than you may need to book at the 1.25 cents per point value at Ultimate Rewards. It’s always worth doing a little extra math to get the best results!

This rewards card also comes with a ton of benefits, including purchase protection, travel insurance, no foreign transaction fees, and other useful perks. The card charges a $95 annual fee. If you want the super luxury version, check out Chase Sapphire Reserve. It charges a steeper $450 annual fee, but also includes access to over 1,200 premium airport lounges around the world.

Citi Double Cash

Travel rewards are great…