Best rewards credit cards of May 2026
If you’re looking to optimize your spending and make the most of every purchase, we recommend these top picks for the best rewards credit cards. Each card on this list was carefully selected by our team of experts to help our readers get the most out of their spending. Whether you’re looking to earn the most cash back or to pay for your next vacation with points and miles, we’ve got you covered.
At The Points Guy, we aim to provide comprehensive insights and expert analysis on the best rewards credit cards to help our readers make the right choice for their wallets. Check out our curated selection and comprehensive guide below to find the best rewards card for you from our partners.
- American Express® Gold Card: Best for dining rewards at restaurants
- Chase Sapphire Reserve®: Best for travel and dining combined
- The Business Platinum Card® from American Express: Best for business owners who prioritize premium travel perks
- Capital One Venture Business: Best for high-spending businesses that want simple travel rewards
- Capital One Venture X Rewards Credit Card: Best for airline rewards
- Chase Sapphire Preferred® Card: Best for beginner travelers
- Capital One Venture X Business: Best for businesses with high-spending
- Atmos™ Rewards Ascent Visa Signature® credit card: Best for frequent Alaska and Hawaiian flyers
- Capital One Venture Rewards Credit Card: Best for airline rewards
- American Express Platinum Card®: Best for premium travel perks and digital entertainment
- Delta SkyMiles® Gold American Express Card: Best for casual Delta flyers
- Citi Strata Elite℠ Card: Best for earning AAdvantage miles without flying
- Bilt Palladium Card: Best for a premium, all-in-one rewards experience
- Atmos™ Rewards Summit Visa Infinite® credit card: Best for A premium card with flexible perks for frequent Oneworld flyers
- American Express® Business Gold Card: Best for flexible rewards earning
- Hilton Honors American Express Aspire Card: Best for Best hotel card for Hilton loyalists
- Blue Cash Preferred® Card from American Express: Best for U.S. streaming rewards
- Marriott Bonvoy Boundless® Credit Card: Best for low fee Marriott loyalists
- Wells Fargo Autograph Journey℠ Card: Best for unlimited point earning
- Bilt Obsidian Card: Best for earning rewards on dining, groceries and everyday essentials
- Capital One VentureOne Rewards Credit Card: Best for no annual fee
- Bilt Blue Card: Best for earning rewards on rent and mortgage payments with no annual fee
- Marriott Bonvoy Brilliant® American Express® Card: Best for welcome offer and elite status
Browse by card categories
Comparing the best rewards credit cards
Best for dining rewards at restaurants
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 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 | New! 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. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
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.
- New! 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.
- Updated! $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.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy 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.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- 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.
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros
- Automatic $300 annual travel credit each account anniversary year
- Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
- Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
- $300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
- Access to Chase’s 14 hotel and airline travel partners
- No foreign transaction fees
- Complimentary IHG Platinum Elite status (through Dec. 31, 2027)
Cons
- Steep $795 annual fee, plus a $195 fee per authorized user
- Some credits are split biannually, requiring careful tracking to maximize value
- Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
- May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
- Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
- Member FDIC
Best for business owners who prioritize premium travel perks
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros
- No foreign transaction fees
- Offers easy to use business-specific statement credits
- Earns valuable and transferable Membership Rewards points
Cons
- $895 annual fee
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Best for high-spending businesses that want simple travel rewards
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2X miles | Earn 2X miles per $1 on every purchase, everywhere |
| 5X miles | Earn 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel |
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
Pros
- Simple earning structure
- Bonus categories
- Annual credits
- No foreign transaction fees
- Flexible redemption options, including transfer partners
Cons
- Has an annual fee
- Fewer bonus categories than some competitors
- Lacks premium perks
- Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
If you can maximize the $300 credit towards bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Pros
- Generous welcome offer
- 10,000 bonus miles every account anniversary
Cons
- $395 annual fee
- The $300 annual credit only applicable for bookings made through Capital One Travel portal
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Comparing the best rewards credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
New ways to get rewarded at American Express's secure site | dining rewards at restaurants | As High As 100,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 1 - 5X points Open Rewards rates
| $325 | ||||||||||||
Limited-Time Offer at Chase's secure site | travel and dining combined | 150,000 bonus points Open Intro bonus Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. 125,000 bonus points | 1 - 8X points Open Rewards rates
| $795 | ||||||||||||
New Offer at American Express's secure site | business owners who prioritize premium travel perks | As High As 300,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 1 - 5X points Open Rewards rates
| $895 | ||||||||||||
New Card at Capital One's secure site | high-spending businesses that want simple travel rewards | Limited-time offer: Earn up to 150,000 bonus miles Open Intro bonus Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months | 2 - 5X miles Open Rewards rates
| $95 | ||||||||||||
at Capital One's secure site | airline rewards | Earn 75,000 bonus miles Open Intro bonus Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel | 2 - 10X miles Open Rewards rates
| $395 |
Credit pointers with Brian Kelly
How we rate cards
Is an annual fee worth it?
Our recent survey shows that 8 out of 10 TPG users agree that a card is worth paying for if the sum of its benefits and perks offsets its annual fee.
We also discovered that 54% of TPG cardholders pay an annual fee of $350 or more. This indicates that several TPG readers get the maximum value from their credit cards — even those with higher annual fees by taking advantage of credits and offers that come with various cards.
This begs the question: are you getting the most out of the credit cards in your wallet? To decide, review the annual fees of the cards you currently hold and their accompanying perks to ensure you’re using their benefits and getting the maximum value year after year.
Ask our experts
What's your favorite rewards credit card — and why?
How to choose the best rewards credit card
- Choose the best rewards card for your wallet by opting for a card that offers a welcome bonus that you can transfer to certain rewards like free night certificates at hotels. This plays a large part in the card’s value.1Sign-up bonus
- Many of the cards on this list feature an annual fee. To determine if an annual fee is worth it, you should consider if the card’s benefits and perks outweigh the fee.2Annual fee
- The best rewards cards on this list feature various bonus categories to match anyone’s spending.3Bonus categories
“Earning points and miles on rewards cards has changed how I travel, as I’m able to redeem points and miles for hotel nights and flights that I couldn’t (or wouldn’t) pay for with cash.”
Pros + cons of rewards credit rards
Pros
- Rewards credit cards make the most of your spending, earning cash back, points or miles on every dollar
- Some rewards credit cards provide useful perks like travel insurance, theft and fraud protection and cellphone protection
- There are multiple types of rewards credit cards to select that offer various perks and earnings
- Some rewards credit cards offer unique perks such as airport lounge access or credits to use with various merchants
Cons
- Carrying a balance and using your rewards card irresponsibly can damage your credit score
- The cost of borrowing on rewards credit cards is higher than traditional loans
- Having too many rewards card applications can negatively affect your credit score
- Some rewards credit cards have high spending requirements to meet welcome bonuses and may be difficult to earn
- Rewards credit cards come with multiple annual fee levels, so some cards may be expensive to hold
Frequently asked questions
Reward redemption options vary based on the type of rewards credit card you have. Cash-back rewards can be redeemed via options such as a statement credit, direct deposit to your account, check, etc.
Points and miles rewards are typically redeemed for flights or hotels. Other redemption options, such as gift cards and merchandise, also exist but redeeming for travel is often the way to get maximum value out of travel-focused rewards cards.
The best credit card for rewards will depend on you, your spending habits and rewards strategy. Some cards offer great cash back on grocery store purchases, while others offer bonuses for travel. There is no rewards credit card that will be the best fit for everything. The one that will result in the best value for your goals and your spending patterns is the best rewards credit card for your wallet.
Typically, the answer is no. You should consult an accountant for more information, but if you are using your purchases to earn a welcome bonus and/or rewards, it is generally considered a rebate on spending and not taxable income. However, bonuses you may earn outside of your own spending (such as referring friends to the card) may be considered taxable.
Yes, for most people. If you have a good credit score and pay off your balance every month, a rewards credit card is a great addition to your wallet. You can earn points and miles or cash back on everyday purchases you were going to make anyway.
Generally, credit card rewards do not expire as long as your card is open and in good standing. It is still good practice to check the terms and conditions of your specific rewards credit card to see if your rewards can expire. And if you ever plan to close an account, make sure to utilize all of your rewards before closing the card.
The rewards credit card world can be confusing with rotating rewards, bonus categories and points and miles transfers. Which is what makes fixed-rate rewards credit cards so valuable.
With a fixed-rate rewards credit card, you can earn flat rewards rates on all purchases without the need to track rotating categories or activate certain offers on a monthly or quarterly basis. With this streamlined method, you can earn rewards on every purchase while maintaining an easy and straightforward reward-earning process.
Many credit cards offer a bonus category, which is a spending category that earns elevated reward rates. For example, the Amex Platinum has airfare as a bonus category and earns 5 points per dollar spent on flights booked directly with an airline or via Amex Travel. All other purchases, like dining or online shopping, earn just 1 point per dollar.