Best rewards credit cards of 2017

Best for Best Rewards Credit Card
5% Bonus Categories
Straight Cash Back
Travel
Household Spending
Flexible Rewards

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Best Rewards Credit Card for:

5% Bonus Categories

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Why we like it
  • Cash back match offer for new cardholders
  • Flexible rewards
  • No annual fee
Annual Fee

$0

Bonus

$0

Credit Range**

Excellent, Good, Fair

Highlights

You’ll get a sweet 5% cash back on up to $1,500 in purchases in revolving quarterly bonus categories, plus 1% cash back everywhere else — and then, to cap it all off, Discover will automatically match on all the cash back you earn in your first year at the end of it. Cash back never expires and there are no limits on redemption. Beyond that, it’s a pretty low-cost rewards card: There’s no annual fee, no foreign transaction fees, no penalty APR, no over-the-limit fee and Discover even waives the late fee on a first missed payment (though that’s something you’ll still want to avoid.)

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Best Rewards Credit Card for:

Straight Cash Back

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Why we like it
  • Potential to earn 2% back on every dollar you charge
  • Reward incentive to pay back debt
  • No annual fee
Annual Fee

$0

Bonus

$0

Credit Range**

Excellent, Good

Highlights

Give Citi double points (see what we did there?) for innovation: You’ll earn 1% cash back when you buy and 1% back when you pay off the purchase. That means you can earn a very generous 2% back on everything you charge — no reward caps in sight. No annual fee and an 18-month 0% introductory APR on balance transfers sweeten the deal - ( APR after that). Balance transfers don’t earn cash back, though, so no use trying to game the system.

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Best Rewards Credit Card for:

Travel

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Why we like it
  • Lucrative signup bonus
  • Unlimited 2 miles per dollar spent
  • Flexible rewards
Annual Fee

$0intro annual fee for the first year; $95 after that

Bonus

50,000 Miles ($500)

Credit Range**

Excellent, Good

Highlights

Let’s start with the signup bonus, which awards you 50,000 miles if you spend $3,000 in your first 3 months. That’s equal to $500, making it a pretty sweet deal. Beyond that, this card offers travelers plenty of flexibility: You’ll earn 2 miles back on every dollar you spend and those miles can be redeemed for any travel purchase you make with no expiration dates, caps or blackout dates to worry about. Plus, there’s no foreign transaction fees.

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Best Rewards Credit Card for:

Household Spending

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Why we like it
  • Lucrative signup bonus
  • Big bonus categories
  • Cash back on household spending
Annual Fee

$0 intro annual fee for the first year of Card Membership then 95$ annually

Bonus

$150

Credit Range**

Excellent, Good

Highlights

The Blue Cash Preferred from American Express lets you earn a whopping 6% cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%), an also nice 3% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on other purchases. Plus, the Blue Cash Preferred is known to carry a competitive signup bonus to help you maximize rewards — and an introductory APR on purchases and balance transfers to help you minimize the interest (standard purchase and balance transfer APRs are after one year; signup bonuses are subject to change).

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Best Rewards Credit Card for:

Flexible Rewards

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Why we like it
  • Lucrative signup bonus
  • Uber-flexible rewards program
  • No annual fee
Annual Fee

$0

Bonus

$150

Credit Range**

Excellent, Good

Highlights

The Chase Freedom Unlimited isn’t the only card out there to offer 1.5% cash back on all purchases, but its signup bonuses (yes, there are technically two) help it stand out among the pack. You can earn $150 cash back after spending just $500 in your first three months, plus $25 cash back if you add an authorized user within the same timeframe. There’s no cash back caps or expiration dates. Plus, Chase allows its cardholders to transfer rewards to other cards they have, so you’ll have uber-flexibility. Added bonus? The card comes with a 0% 15-month introductory APR on purchases and balance transfers (then ) and no annual fee.

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Methodology

This list represents our favorite cards from Credit.com’s marketplace. In other words, all of the cards listed below are offered by our advertisers and we’ll make money if you click on a link and get one. However, specific recommendations and opinions expressed remain those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by our partner or influenced by compensation.

Partner cards were selected by their overall value. The assessments and use of the word “best” are based on an analysis of that product’s major terms and conditions, including the annual fee, annual percentage rates, base rewards, signup bonus, balance transfer offer and more. Please visit our advertiser disclosure for a full explainer on how we operate.