The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
News
The 9 best rewards credit cards to add to your wallet
Ben Smithson is a senior writer for TPG and is based in London. Originally from Australia and a qualified lawyer with a financial services background, he has almost a decade of experience writing about a broad range of travel and loyalty topics.
September 29, 2026 • 23 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
TPG featured card
Quick summary
Transferable rewards programs offer flexibility by allowing points to be moved among various airline and hotel partners, often with periodic transfer bonuses.
Choosing the right rewards card depends on your spending habits, travel preferences and whether you value cash back or points and miles.
Some cards are better suited for beginners, frequent travelers, business owners or those who prioritize dining or supermarket purchases.
Evaluating welcome bonuses, ongoing benefits and redemption options can help maximize the value of a rewards card.
What to consider
Redemption values and transfer ratios differ across programs, so reviewing current valuations is important before applying or redeeming.
Some cards carry a modest annual fee, which may be offset by perks and credits if they align with your spending patterns.
Foreign transaction fees can reduce the value of rewards when traveling internationally, so check for these before using a card abroad.
What you'll miss from the article
A detailed comparison of top rewards cards, including which features best match specific travel or spending profiles.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
TPG featured card
Early in my rewards journey, I believed I needed to be loyal to a single airline or hotel program, but transferable credit card rewards changed that assumption entirely.
These currencies can be more flexible than points earned directly through a single airline or hotel program. Combined with regular transfer bonuses to select partners, they allow me to hold rewards until I'm ready to use them and choose among multiple partners based on which offers the best value at the time.
That said, use any rewards card responsibly. Pay your balance in full each month; otherwise, interest and penalties will exceed the value of any rewards.
Whether you're a beginning or experienced traveler, business owner or renter, here are our best rewards credit cards.
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening, plus receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year.
Earn 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 2 miles per dollar spent on every purchase, every day
Find out your offer and see if you are eligible for as high as 175,000 Membership Rewards Points after spending $12,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Earn 5 points per dollar spent on flights booked directly with airlines or through American Express Travel® (on up to $500,000 of airfare purchases per calendar year, then 1 point per dollar)
Earn 5 points per dollar spent on prepaid hotels booked with American Express Travel
Earn 1 point per dollar spent on all other purchases
Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
(Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.)
Earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Earn 6% cash back on select U.S. streaming subscriptions
Earn 3% cash back on transit (including taxis and ride-hailing services, parking, tolls, trains and buses)
Earn 3% cash back at U.S. gas stations
Earn 1% cash back on other purchases.
(Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.)
$0 introductory annual fee for the first year, then $95 thereafter (see )
Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards Points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Earn 5 points per dollar on prepaid hotels booked through AmexTravel.com or the Amex Travel App™
Earn 4 points per dollar spent on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point for the rest of the year)
Earn 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar spent for the rest of the year)
Earn 3 points per dollar spent on flights booked directly with airlines, on the Amex Travel App or on AmexTravel.com
Earn 2 points per dollar spent on prepaid car rentals booked on AmexTravel.com and the Amex Travel App
Earn 2 points per dollar spent on cruises on AmexTravel.com
Earn 1 point per dollar spent on all other eligible purchases
$325 (see )
Pointers from The Points Guy
Here's why TPG's Brian Kelly recommends rewards credit cards.
Chase Sapphire Preferred
Welcome offer: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Annual fee: $95
THE POINTS GUY
Standout benefits: The Sapphire Preferred makes it easy to earn lots of valuable Ultimate Rewards points for a low annual fee. You can boost your earnings with bonus earning rates across travel, dining and several everyday categories.
Why it’s great for rewards: When friends ask which card I recommend for beginning to collect rewards, I usually suggest this one.
I've redeemed most of my Ultimate Rewards through World of Hyatt because its award charts offer solid value. I once booked four nights at The Grayson, an Unbound Collection property in New York, with no resort fees or out-of-pocket costs — and my husband gasped at the Empire State Building view from our window.
I've also transferred 100,000 Air Canada Aeroplan points (1:1 with Ultimate Rewards) for a 10.5-hour Lufthansa first-class flight from Frankfurt to Houston on the Boeing 747-8. The experience included tarmac service from the First Class Terminal, caviar, Champagne and an 81-inch bed that beat my own.
BEN SMITHSON/THE POINTS GUY
This is the card I've held longest and still love. For beginners who want transferable rewards without a premium annual fee, it's one of my go-to recommendations.
Welcome offer: Earn 75,000 miles after spending $4,000 on purchases within the first three months from account opening, plus receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year.
Annual fee: $95
THE POINTS GUY
Standout benefits: This card pairs industry-leading at least 2 miles per dollar on all purchases with a low annual fee, rental car insurance and up to $120 Global Entry or TSA PreCheck statement credit every four years.
Why it’s great for rewards: With no foreign transaction fees and broad Mastercard acceptance, the Venture can also be a useful option for international purchases.
I love the 15-plus transfer partner options, especially transferring my Capital One miles to Air Canada’s Aeroplan program to book business-class flights to Europe in lie-flat seats for as little as 60,000 points, or domestic flights on United for just 6,000 points in economy.
You can also redeem directly through Capital One Travel at 1 cent per mile if your desired flight or hotel isn't available through a partner. This perk has helped me return home from some of the more unusual destinations I’ve visited.
Welcome offer: Find out your offer and see if you are eligible for as high as 175,000 Membership Rewards Points after spending $12,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Annual fee: $895
THE POINTS GUY
Standout benefits: The Amex Platinum earns bonus rewards on flights booked both directly and through American Express Travel as well as prepaid hotels booked through Amex Travel. It's also packed with credits that can easily cover the annual fee.
Why it’s great for rewards: No personal card matches the Amex Platinum's perks density. Yes, the annual fee is steep, but the travel benefits justify it even for infrequent travelers.
I love accessing the Centurion Lounges with my Amex Platinum. These spaces feature food and drinks from award-winning chefs and top mixologists and are worth arriving early to enjoy before your next flight.
I also value the complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite statuses (enrollment required). The Hilton status for eligible stays outside the United States is especially great as it provides complimentary breakfast for me and any registered guests (a food and beverage credit is offered at eligible properties in the United States).
I don’t use every credit on the Amex Platinum every year, but Global Entry (Up to $120 statement credit for Global Entry once every four years, or an up to $85 statement credit for a five-year TSA PreCheck membership) is such a time-saver for beating long lines at TSA security screening and immigration on arrival. Plus, through regular travel and shopping each year, I know I’ll easily use several of the credits that come with this card.
Welcome offer: Earn 100,000 points after spending $8,000 on purchases in the first three months from account opening.
Annual fee: $95
THE POINTS GUY
Standout benefits: This card lets you earn valuable Ultimate Rewards points for a low annual fee. It's a great choice for travel, shipping, internet, cable and phone services, and advertising purchases made with social media sites and search engines.
Why it’s great for rewards: Ultimate Rewards are some of the best credit card points you can earn. Over the years, I’ve found so many great uses for them, especially the ability to transfer them to World of Hyatt for great-value hotel stays.
I’m also a big fan of KLM’s premium economy product, which I rate as one of the world’s best, and I can transfer my Ultimate Rewards to Air France-KLM’s Flying Blue program at a 1:1 rate to book flights to Europe from 40,000 miles.
The 3-point-per-dollar earning rate across so many categories where the average business owner spends regularly makes it easy to rack up Ultimate Rewards points.
Welcome offer: Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee: $0
THE POINTS GUY
Standout benefits: This card offers a solid earning rate on everyday purchases as well as an auto rental collision damage waiver, extended warranty and purchase protection.
Why it’s great for rewards: If running your business is complicated enough, this card offers a simple way to earn at least 1.5% on every business expense charged to the card with its straightforward cash-back offer.
If you have employees with business expenses, you can issue them cards as authorized users at no extra cost and collect the cashback they spend on the card. Just be aware you’ll be responsible for all charges, though.
Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Annual fee: $95
THE POINTS GUY
Standout benefits: The Citi Strata Premier offers $100 off a single hotel stay of $500 or more (excluding taxes and fees, once per calendar year when you book through Citi Travel). This is an easy way to help offset the annual fee.
Why it’s great for rewards: The Strata Premier earns 3 points per dollar spent across popular categories — flights, hotels, dining, supermarkets, gas and EV charging — a rare breadth that makes it one of my most valuable cards.
I transfer my Citi ThankYou Rewards to JetBlue TrueBlue, Singapore Airlines KrisFlyer and Virgin Atlantic Flying Club, where Saver fares to London run as low as 6,000 points (plus fees and surcharges).
When I book travel through the Citi Travel portal, I earn an incredible 10 points per dollar spent on hotels, car rental and attractions.
Welcome offer: Earn $200 bonus cash back after spending $500 on purchases in the first three months from account opening.
Annual fee: $0
THE POINTS GUY
Standout benefits: You'll earn at least 1.5% cash back on every purchase you make with the card, increasing to 3% on dining and drugstore purchases and 5% on travel booked through Chase Travel.
Why it’s great for rewards: I recommend this as a great option if you’re looking for a card that earns more than 1% cash back on all purchases without an annual fee. The welcome offer can also provide additional value during the first year.
If you love to travel, then consider the convenience of booking flights, hotels, cars, cruises and more through Chase Travel. Not only can this be a one-stop shop for your next vacation, but you’ll earn a generous and rewarding 5% cash back on all travel booked via Chase Travel.
Welcome offer: Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.)
Annual fee: $0 intro annual fee for the first year, then $95
THE POINTS GUY
Standout benefits: This card lets you supercharge your cash back with an impressive 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select U.S. streaming services.
Why it’s great for Rewards: For a card that does not charge an annual fee in the first year ($95 each year thereafter), the Blue Cash Preferred will reward you handsomely. The 6% cash back for U.S. supermarkets (on the first $6,000 spent each calendar year, then 1%) and select streaming services is among the highest cash back you’ll find offered on any category on any card.
The 3% cash back offered on transit and at U.S. gas stations is broadly defined, covering most ground transportation options, including parking. Because of this, I recommend the Blue Cash Preferred as a terrific cash-back credit card and an especially good option for larger families with large grocery bills.
Welcome offer: Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards Points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Annual fee: $325
THE POINTS GUY
Standout benefits: This card will earn you bonus points in multiple categories, especially if dining and groceries dominate your spending. You'll also get $10 monthly dining credits with select partners (up to $120 in statement credirs annually; enrollment required) and $10 in monthly Uber Cash for Uber Eats or rides (up to $120 annually)*. There's also up to $100 annually (up to $50 in biannual statement credits) in Resy credits at participating U.S. restaurants (enrollment required).
*Uber Cash will only be deposited into one Uber account when you add the Amex Gold Card as a payment method and redeem with any Amex card.
Why it’s great for rewards: I dine out constantly, especially while traveling, making this a straightforward way to earn Membership Rewards points on my regular spending.
When splitting group dinners, I'll pay the full bill on my card and collect reimbursement — earning points on the entire charge, which can easily reach thousands for larger groups.
I'm particularly drawn to transferring Membership Rewards to British Airways Club and Singapore Airlines KrisFlyer for premium cabin redemptions.
The earning rate is substantial: 4 points per dollar spent at restaurants worldwide and U.S. supermarkets (up to $50,000 and $25,000 annually, respectively, then 1 point per dollar). Combined with the monthly credits, you can effectively offset the annual fee.
What to consider when choosing a rewards credit card
It can be dizzying having so many different cards, each with different welcome bonuses, annual fees, earning rates, statement credits and other perks. It helps to set some parameters around how you plan to use a card and its accompanying rewards.
Preferred rewards
Consider whether you value earning cash back or points and miles you could transfer to a partner program or redeem through a credit card travel portal.
MASKOT/GETTY IMAGES
There’s no perfect answer to this, and it depends on your personal preferences and travel style. If the idea of multiple transfer options, award charts and transfer bonuses feels too complex, perhaps start with a card that earns cash back and then work up to a product that earns points or miles once you’re more familiar with the credit card rewards game.
Welcome bonus
It's tempting to choose the card with the highest welcome bonus, but comparing a $750 cash-back bonus to 75,000 points isn't straightforward — points are typically worth more than 1 cent each, depending on how they're redeemed. Check TPG's current monthly valuations to estimate the bonus's true value before applying.
Spending habits
Which categories do you tend to spend the most in? Do the places you shop at accept American Express or Discover? If you can determine this before applying for anything, deciding which card will earn you the most rewards is easier.
If you plan to take the card traveling with you, ensure it does not charge a foreign transaction fee. Otherwise, this fee will likely exceed the value of the rewards you would earn.
Annual fee
Some cards I've recommended carry annual fees, but they can make sense when the benefits and credits you'll actually use exceed the cost.
I use a simple rule: find a welcome bonus that exceeds the annual fee for year one, then assess whether ongoing benefits (like statement credits, earning rates and travel protections) outweigh the fee in year two and beyond.
If you're unsure, start with a card with no annual fee to confirm you're getting real value before committing to one with an annual fee.
How we chose the best rewards credit cards
We rated cards based on welcome offers, bonus category earning rates, transfer partners and associated perks — see our methodology for details on how TPG evaluates cards.
Redemption options for rewards credit cards
For cash-back cards, I recommend applying earnings directly to your bill. If you prefer flexibility, most issuers let you redeem toward Amazon purchases, convert to points (depending on your card family) or deposit to your bank account.
For points-and-miles cards, you can redeem through the issuer's travel portal at roughly 1 cent per point, though transferring to airline or hotel partners typically yields better value. Transfer partners can sometimes provide greater value, but redemption values and transfer ratios vary by program.
Rewards credit cards have transformed how I spend and travel. I optimize every purchase — down to a pack of gum — by choosing the card with the best earning rate for that category.
But you don't need my level of obsession. A little upfront research to match a card to your travel goals will quickly pay dividends in points, miles and the trips they fund.
My no- or low-fee cards have earned me hundreds of thousands of points and miles, plus perks like lounge access, elite hotel status and those bucket-list trips.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of the Amex Gold Card, click . For rates and fees of the Amex Platinum Card, click . For the rates and fees of the Blue Cash Preferred Card, click .
