2018’s Best Credit Cards for Rewards: Get the Biggest Bonuses and Best Offers

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If you have a good credit score and zero debt, you might want to consider playing my favorite game. It can be played alone or in two-player mode, and it involves strategy and earning points. The game I’m talking about is the credit card rewards game, and it’s never too late to learn the rules. To get ahead, all you need is a credit card… or maybe five. Simply choose your weapon and start killing it.

If you’re new to the game, you’ll need more information on the best credit cards for rewards. To get ahead and maximize your rewards, we’ll help you out with some great strategies and excellent card options. So, without further ado, let’s discuss some of the best rewards credit cards on the market in 2018.

Best Travel Rewards Credit Cards

If you’re into traveling, there are a lot of great rewards credit cards for you to choose from. Here’s our list of the best travel rewards credit cards.

Double Points for All Purchases: Capital One Venture Rewards

With the Capital One Venture Rewards credit card, you’ll earn miles that can be redeemed for statement credits to erase your travel purchases. The miles themselves are worth one cent each, and you’ll earn double miles on all purchases.

Capital One® Venture® Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • + Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • No foreign transaction fees
  • + Miles won't expire for the life of the account and there's no limit to how many you can earn
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Perhaps the best part of this card is that you’ll earn 10 points per dollar spent at Hotels.com/Venture. It’s like earning a 10 percent discount on all paid stays. The promo runs through January 2020, so you can earn tons of travel rewards if you often book accommodations through Hotels.com.

The Venture miles you’ll earn with the Venture card are great for buying cheap airfare or other travel that otherwise cannot be covered with points or miles. That includes more unusual options, such as cruises, ferry tickets, train tickets, ridesharing, taxis and more.

Best First Year Bonus: Discover it Miles Credit Card

Discover it Miles is a no-fee credit card that earns a flat 1.5 miles on all purchases across the board. Your rewards are unlimited and can be used to cover any travel purchase in any amount.

Discover it® Miles

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
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INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
10.99% (14 months)
Regular APR
13.99% - 24.99% Variable
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • + Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • + No Blackout Dates - fly any airline, stay at any hotel.
  • + Redeem your Miles as a statement credit towards travel purchases.
  • + Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
  • No Annual Fee
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The best part of the Discover it Miles card is the rewards match. At the end of your first year as a card member, Discover will match all the miles you’ve earned in the first 12 months.

Essentially, every dollar you spend earns three miles during your first year as a cardholder. If you earn 25,000 miles, they turn into 50,000 miles at no cost to you. Rewards are unlimited, so you have control over how big that bonus is at the end of the first year.

Best Credit Cards for the Biggest Sign-Up Bonus

Getting a big sign-up bonus is still the best way to earn a lot of miles fast. If you’re looking for a quick way to start traveling for free, check out these cards with the best sign-up bonuses.

Biggest Sign-Up Bonus: Platinum Card from American Express

With the American Express Platinum card, you can earn a 60,000-point sign-up bonus. The Membership Rewards points can be redeemed via Amex Travel at a rate of one cent each. They can also be transferred to a number of airline and hotel programs, such as Delta Air Lines, Air France/KLM and Hilton Honors, to name a few.

The Platinum Card® from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com
  • + Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world
  • + Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline
  • Terms Apply
  • No Foreign Transaction Fee
  • + Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required
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Although the card has an annual fee of $550, it comes with tons of benefits to offset that cost. As a Platinum member, you get a $200 airline fee credit, a $200 Uber credit and a $100 Global Entry/TSA PreCheck enrollment fee credit.

My favorite thing about this card is the vast number of airport lounges you can get into for free. That includes Amex’s own swanky Centurion Lounges, plus Delta Sky Club and the huge Priority Pass network of lounges.

The card is expensive, but you can easily offset the high annual fee thanks to the generous benefits.

Best No-Fee Card Bonus: Bank of America Travel Rewards

The Travel Rewards card from Bank of America offers new cardholders a bonus of 20,000 points after spending just $1,000 on the card in the first 90 days of account opening. For a no-fee card, that’s a tremendous bonus worth $200.

Bank of America® Travel Rewards Credit Card

INTRO APR on Purchases
0% Introductory APR on purchases for 12 billing cycles
INTRO apr on Balance Transfer
N/A
Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfer
Annual Fee
$0
Bonuses & Rewards
  • + 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
  • + Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions
  • + Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • + Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • New Offer: 25,000 online bonus points if 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
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • No Foreign Transaction Fee
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Like the Discover it Miles card, the BankAmericard Travel Rewards card earns 1.5 points on all purchases with no caps, limits or categories. This card is great for when you need to buy travel that cannot be booked with points.

Best Bonus Categories: Uber Visa Card

If you enjoy cash back in your wallet, get yourself the Uber Visa card. Even if you don’t use the ridesharing app often, you will find lots of value with this no-fee credit card. It’s easily one of the best credit cards for rewards available today.

Uber Visa Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.49% to 25.24% Variable±
Annual Fee
$0
Bonuses & Rewards
  • 4x Points on Dining
  • 3x Points on Travel
  • 2x Points on Online Purchases, including Uber, Online Shopping, and Video and Music Streaming Services
  • 1x Points on All Other Purchases
  • 10,000 bonus points worth $100 after spending $500 in the first 90 days
  • Up to $600 in mobile phone protection, including damage and theft, when you use your card to pay your monthly phone bill
  • No Foreign Transaction Fee
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First of all, this Visa rewards card offers a $100 bonus for spending at least $500 in the first 90 days of card membership. And if that’s not enough, you will earn bonus points on dining, airfare, hotel rooms, Uber rides and online purchases. That’s quite a range of popular shopping categories.

Cash back is redeemable for Uber rides starting at 500 points for a $5 credit. And if you don’t ride with Uber, you can also redeem rewards for gift cards and statement credits starting at 2,500 points for $25. The Uber credit card is a great choice for a cashback card with no annual fees.

Best Credit Card for Business

Just because you need a business card it doesn’t mean that you shouldn’t have one of the best credit cards for rewards. Business expenses add up, so grab a card that rewards you for those purchases.

Great Bonuses: Amex Business Platinum Credit Card

The Business Platinum card from American Express OPEN offers business owners a 75,000-point sign-up bonus after spending $20,000 on qualifying purchases. The perks of having the business version of the card are similar to the personal version of the Amex Platinum card, though the annual fee is lower at $450.

American Express Business Platinum Card®

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$450
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Points on Airfare and Hotels
  • 1.5x Points for single purchase of $5,000 or more
  • 1x Points on All Other Purchases
  • Up to 75,000 bonus points (50,000 after spending $10,000, plus 25,000 more if you spend another $10,000 within 3 months)
  • 20% Discount on Delta сommercial flights
  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • % Get 35% of your points back when you redeem with your preferred carrier or for any business or first class seats
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One great perk with this card that you won’t get with the personal card is that you can get 35 percent of your points back if you redeem through Amex Travel. To qualify, the flight can either be booked in any class with the airline you selected in the Membership Rewards program or in business class on any airline.

Best Credit Card for Airline Miles

If you often fly on a particular airline, you might want to get a rewards card that is co-branded with that carrier. These cards often come with perks and benefits you won’t get with other cards, such as free checked bags, in-flight discounts, elite qualifying miles and companion passes. Below are the best rewards cards for airline miles.

Good for Couples: Alaska Airlines Credit Card

The Alaska Airlines Visa Signature credit card comes with 30,000 miles sign-up bonus and, more importantly, Alaska’s famous companion fare.

Alaska Airlines Visa Signature® Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.99%-24.99% Variable APR on purchases and balance transfers
Annual Fee
$75
Rewards Program
Mileage Plan™
Bonuses & Rewards
  • + Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • + Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.
  • Get Alaska's Famous Companion Fare™ every year! Each Year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • New - Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Mileage Plan™ Hotels.
  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
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With the annual companion fare, you can purchase a ticket on any Alaska Airlines or Virgin America flight and receive the second ticket for just $99 plus the cost of taxes.

Read More: How to Earn 95,000 Alaska Airlines Miles in 3 Months

This deal is a reason enough to get this card and take your honey on a trip to somewhere romantic.

Good for Solo Travelers: United Airlines Credit Card

The United MileagePlus Explorer card offers travelers a 40,000-mile sign-up bonus, which is enough for a flight to almost any corner of the planet.

Chase United℠Explorer Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 24.99% Variable
Annual Fee
$0 Intro for First Year, then $95
Rewards Program
MileagePlus®
Bonuses & Rewards
  • New! Earn 2 miles per $1 spent at restaurants and on hotel stays
  • New! Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • New! 25% back on United inflight purchases
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • $0 introductory annual fee for the first year, then $95.
  • No Foreign Transaction Fee
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United Airlines is part of the Star Alliance, the largest airline alliance in the world. So the miles you earn with the card can be redeemed for flights on a huge number of airlines.

My favorite benefit of the MileagePlus program is the Excursionist Perk, which lets you visit two cities in the same region for the same mileage as one.

Best Cashback Credit Cards

Cash back is great because it offers the ultimate in flexibility. You can use your rewards for anything you want because they’re as good as cash. Just redeem for statement credits or even a check in the mail. That makes cashback cards some of the best credit cards for rewards. Below are our top picks.

Best for Cashback Rewards: Fidelity Rewards Visa Signature

The Fidelity Visa card earns 2 percent cash back on all purchases with no limits if you deposit the rewards into an eligible Fidelity account. If you already have an existing Fidelity account, you will receive a $100 bonus on top of your awards. This no-annual-fee card really is a contender for those looking to secure their future.

Fidelity® Rewards Visa Signature® Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
15.49% Variable±
Annual Fee
$0
Bonuses & Rewards
  • 2x Points on All Purchases
  • Earn unlimited 2% cash back on all purchases with no limits if you deposit the rewards into an eligible Fidelity account
  • No limits on total reward points and no restrictive categories
  • Reward points will not expire
  • 1% foreign transaction fee
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Read More: The Best 2 Percent Cashback Credit Cards

Best for Rotating Categories: Discover it – Cashback Match

The Discover it – Cashback Match credit card earns 5 percent cash back in quarterly rotating bonus categories, which vary from movie theaters and restaurants to Amazon and grocery stores.

Discover it® Cash Back

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
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INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
0% (14 months)
Regular APR
13.99% - 24.99% Variable
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • + cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • + Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • + Redeem cash back any amount, any time. Rewards never expire.
  • + Use your rewards at Amazon.com checkout.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • No annual fee.
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All Discover cards have a rewards matching feature for the first year of card membership. With that, you’ll essentially earn 10 percent cash back in bonus categories plus 2 percent back on everything else for the first year. That’s unbeatable.

Best Credit Card for Hotel Rewards

You may be surprised, but co-branded hotel credit cards aren’t just for those who frequent certain hotel chains. They can be quite flexible and rewarding. Our pick for the best credit card for hotel rewards is the Starwood Preferred Guest card.

The Most Flexible Points: SPG Amex Credit Card

The Starwood Preferred Guest credit card has been a fan favorite among travelers for a long time. That’s because the points earned with this card can be redeemed for free flights with more than 30 airlines, as well as for free hotel stays.

Starwood Preferred Guest® Credit Card from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49% to 26.49% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
Starwood Preferred Guest®
Bonuses & Rewards
  • 6x Starpoints at Participating Starwood and Marriott Rewards Hotels
  • 2x Starpoints on All Other Purchases
  • + 1 Free Night Award every year after Card account anniversary
  • 75,000 bonus points after spending $3,000 within the first 3 months
  • Receive a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program
  • No Foreign Transaction Fee
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The card is changing its earning structure in August after the official merger with Marriott. Be sure to check back to see what the changes will be. Whatever happens, I’m sure it’ll continue to offer great value to Starwood guests.

Best Rewards Credit Card for Everyday Use

If flexibility in bonus earning categories sounds good to you, consider our pick for the best rewards credit card for everyday use. This card lets you decide which purchases earn extra cash back.

Choose Your Own Bonus Categories: U.S. Bank Cash+ Credit Card

The U.S. Bank Cash+ credit card lets cardholders decide which spending categories earn a bonus. That means that you can let your shopping habits work for you. Whether it’s groceries, cell phone bills or gas stations, you are in control of how you earn the most rewards.

U.S. Bank Cash+™ Visa Signature® Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
Regular APR
15.49% to 24.49% Variable±
Annual Fee
$0
Bonuses & Rewards
  • % 5% on one of the following categories that you choose: Car Rentals, Fitness Centers, Department Stores, Movie Theaters, Fast Food or Ground Transportation
  • % 2% on one of the following categories that you choose: Gas, Dining or Groceries
  • % 1% on All Other Purchases
  • $150 after you spend $500 in the first 90 days
  • $25 Cash+ Bonus the first time you redeem $100 or more in a single redemption. Limit one per account.
  • 2% fee for foreign transactions in U.S. dollars; 3% fee for transactions in a foreign currency
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The no-fee Cash+ card also sets a higher limit of $2,000 per quarter for bonus categories, as opposed to $1,500 on the popular Chase Freedom and Discover it cards. The U.S. Bank Cash+ card’s rewards are unlimited, and the earning structure always works for you.

Best Rewards Credit Card for Groceries and Gas

Groceries and gas are two things that just about everyone spends a lot on every month. They are nearly inescapable expenses. So why not earn more back for those purchases? These are our choices for the best rewards credit cards for groceries and gas.

Best for Groceries: Blue Cash Everyday from American Express

The Blue Cash Everyday card earns 3 percent back at supermarkets. Though that’s capped at $6,000 in spending per calendar year, you won’t find another no-fee card that offers a return rate that good for groceries all year long. You’ll also get unlimited 2 percent back at gas stations.

Blue Cash Everyday® Card from American Express

INTRO APR on Purchases
0% introductory APR for the first 15 months
INTRO apr on Balance Transfer
0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening
Regular APR
14.99% to 25.99% Variable
Annual Fee
$0
Bonuses & Rewards
  • % 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • % 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • 2.7% foreign transaction fee
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Swiping the Blue Cash card at least 20 times per month will add another 20 percent to your points total. Overall, this is a great card. If you have the Discover it card, you can use the Blue Cash when Discover doesn’t offer 5 percent back at grocery stores.

Best Return for Gas Purchases: PenFed Credit Card

Many consumers won’t be familiar with this card issued by the PenFed Credit Union. You should, though, because of its generous rewards.

PenFed Platinum Rewards Visa Signature® Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
0% Intro APR for the first 12 months on transfers made between April 1, 2018 and September 30, 2018
Regular APR
11.24% to 17.99% Variable±
Annual Fee
$0
Bonuses & Rewards
  • 5x Points on Gas
  • 3x Points on Groceries
  • 1x Points on All Other Purchases
  • $100 statement credit when you spend $1,500 in the first 90 days
  • EMV chip-enabled for added security
  • No Foreign Transaction Fee
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This card earns five points per dollar spent on gas purchases and three points per dollar at grocery stores. Points are worth 85 cents each, but you can earn quite a bit of them.

The $100 sign-up bonus doesn’t hurt, especially considering the fact that the card has no annual fee and no foreign transaction fees. If you spend a lot on gas and groceries, make sure that this card is on your radar.

Best Credit Card for Amazon Purchases

The Amazon Rewards Visa Signature credit card is great for Amazon addicts. You receive a $50 credit upon approval and earn 3 percent cash back on all Amazon and Whole Foods purchases, plus 2 percent back at gas stations, restaurants and drug stores.

Amazon Rewards Visa Signature Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
15.74% to 23.74% Variable±
Annual Fee
$0
Rewards Program
Amazon Rewards
Bonuses & Rewards
  • % 3% Back at Amazon.com and Whole Foods
  • % 2% Back at Restaurants, Gas Stations and Drugstores
  • % 1% Back on Groceries
  • % 1% Back on All Other Purchases
  • $50 Amazon.com gift card will be instantly loaded into your Amazon.com account upon the approval of your credit card application
  • No Foreign Transaction Fee
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If you’re a Prime member, you’ll get a whopping 5 percent back for Amazon and Whole Foods purchases. Cash back can be redeemed at Amazon.com in any amount toward most purchases.

Best Cashback Rewards Credit Card for High Spenders

If you spend a lot on your credit cards, you should consider one of our picks for best rewards credit card for big spenders. These cards may charge an annual fee, but it can be worth it if you spend enough because of the generous rewards they offer.

Get 3% Back on All Purchase: Alliant Cashback Credit Card

This card, issued by Alliant Credit Union, is another relatively obscure pick that you need to know about. That’s because it earns 3 percent cash back on all purchases during the first card membership year and then 2.5 percent cash back going forward. You won’t find a return rate like that on any other card.

Alliant Cashback Visa® Signature Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
11.74% to 14.74% Variable±
Annual Fee
$0 first year, then $59
Bonuses & Rewards
  • % 3% on all purchases in the first year
  • % 2.5% on all purchases after the first year
  • No Foreign Transaction Fee
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This card has no earning limits, but it’s designed for customers who spend at least $50,000 on the card per year. This works out to about $4,200 per month.

If you’re not a big spender, you just have to spend at least $12,000 on the card annually to offset the $59 annual fee. That fee is waived for the first year, so you can give this card a try to see if it works for you.

30% Bonus for Big Spenders: BB&T Spectrum Rewards Credit Card

The Spectrum Rewards credit card from BB&T earns 3 percent cash back on net qualified purchases made in the first three months. Plus you’ll get a 5 percent anniversary bonus every year.

BB&T Spectrum Rewards Credit Card

INTRO APR on Purchases
0% Intro APR for the first 12 months
INTRO apr on Balance Transfer
0% Intro APR for the first 12 months
Regular APR
13.65% to 22.65% Variable±
Annual Fee
$0
Bonuses & Rewards
  • % 3% cash back on net qualified purchases for the first 90 days
  • % 1% cash back on all net qualified purchases after 90 days
  • Earn a 5% anniversary bonus on cash earned every year
  • Earn an additional 30% bonus on cash earned when spending $50,000 or more annually
  • Earn money easily with BB&T Deals.
  • 3% foreign transaction fee
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What’s interesting, though, is that this credit card earns an incredible 30 percent bonus if you spend a total of $50,000 or more per year.

Keep in mind that the card is only available to residents of the following states: Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, North Carolina, South Carolina, Tennessee, Texas, Virginia, West Virginia and D.C.

Best Rewards Credit Card for Supermarkets and Department Stores

Instead of getting one of those co-branded store credit cards for your department store purchases, get the Blue Cash Preferred. It offers better benefits and rewards, plus it will be way more flexible.

Skip the Store Card, Get Blue Cash Preferred Instead

If you shop at grocery stores and department stores frequently, this card is a match made in heaven. While it has a $95 annual fee, you’ll earn a phenomenal 6 percent cash back at grocery stores. It also earns an impressive 3 percent back at select department stores and gas stations.

Blue Cash Preferred® Card from American Express

INTRO APR on Purchases
0% introductory APR for the first 12 months
INTRO apr on Balance Transfer
0% introductory APR for the first 12 months on balance transfers requested within 60 days of account opening
Regular APR
14.99% to 25.99%
Annual Fee
$95
Bonuses & Rewards
  • + 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year
  • + 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases
  • + Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • + Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise
  • $95 annual fee
  • Terms Apply
  • 2.7% foreign transaction fee
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Best Rewards Credit Card for Office Supply Purchases

If you’re a small business owner or independent contractor, you may find yourself spending a lot of money at office supply stores like Staples or OfficeMax. You should be getting a little extra back for that.

Get 5% Back for Offices Supplies and More: SimplyCash Plus Business Credit Card

The SimplyCash Plus Business credit card gives business owners the ability to earn 5 percent cash back at office supply stores and on cell phone bills. You’ll also get 3 percent back in another category of your choice. For a no-fee business card, you can score a ton of cashback rewards with this one.

SimplyCash® Plus Business Credit Card

INTRO APR on Purchases
0% introductory APR for the first 9 months
INTRO apr on Balance Transfer
N/A
Regular APR
13.99% to 20.99% Variable±
Annual Fee
$0
Bonuses & Rewards
  • % 5% at Office Supply Stores and on Wireless Telephone Services
  • % 3% on one of the following: Airfare, Hotels, Car Rentals, Gas, Dining, Advertising, Shipping or Computer Hardware and Software
  • % 1% on All Other Purchases
  • 2.7% of each transaction in U.S. dollars
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Final Thoughts

Whichever rewards credit card you end up getting, make sure it works with your spending habits. There is no single ‘best card,’ there is only the best card for you. Pick one that will earn the most cash back or miles based on how you use your credit cards. And don’t forget that the rewards you earn need to be useful to you, too! Don’t get a miles card if you rarely travel.