Best Rewards Credit Cards of 2019
|Best Rewards Credit Card||Perk|
Why Get a Rewards Card?
Rewards cards are great, especially if you don’t carry a balance from month-to-month. Why? Because rewards credit cards often charge higher interest rates. But, they also offers lots of benefits—including the chance to earn airline miles, hotel or loyalty points and even cash back rewards in exchange for buying things you need anyway.
What To Look For When Applying
Consider not only how many points or how much cash back you get. Also think about the annual percentage rate (APR). Many of the best rewards credit cards offer an introductory 0% APR, which is nice. Some have sign-up bonuses, which makes getting that card enticing. Also look at overall fees, including the annual fee, foreign transaction fees and others. APR and fees can make a big difference in your overall rewards and debt. Know too that rewards credit card issuers generally only approve cardholders with good to excellent credit. If you don’t know your credit score, find it—for free—on Credit.com before you apply.
There isn’t one “best rewards credit card” for everyone. Choose the card that’s “best” for your needs and spending habits. To make your selection a bit easier, listed here are a few of the favorite rewards credit cards of the Credit.com team.
When Is The Best Time To Apply?
The worst time to apply for any new credit card is just before you apply for a large loan, such as a home mortgage. Having recent credit card applications on your credit concerns lenders. And applying for new credit can cause a small drop in your credit score. If you’re not looking for a new loan though, apply any time.
Best Credit Cards for Rewards
Editorial disclosure: Editorial picks and the reviews here are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren't reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards, and fees. Check the issuer's website for the most current information on each card listed.
Advertiser disclosure: The credit card offers that appear on this website are from credit card companies that Credit.com receives compensation from. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.