12 Jun

Best Rewards Credit Card In The USA

What Are The Best Rewards Credit Card In The USA? It is totally wrong to say that a single credit card could be a good option for every purchase, every family, and every budget. In fact, every single person has different demands, requirements, and situations; therefore, choosing multiple cards with different rewards is a healthy activity.

What Is The Best Rewards Credit Card In The USA?

Credit card rewards come in two main varieties: travel cards and cashback cards. Talking about cashback cards, pay you back some specific percentage on each transaction or total spend you make via these cards.

On the other hand, travel credit card rewards offer you miles or points on each transaction or spending you make; you may use these rewards for free hotel stays, free flights, and much more. So, a single credit card is not ideal for everyone. Therefore, let’s have a brief look at what is the best rewards credit card in the USA.

Here are the top 10 best rewards credit cards in the USA depending upon the variety of situations and features:

1. Citi Double Cash Credit Card

Citi Double Cash Credit Card is the only name that pops into mind when considering what is the best rewards credit card in the USA. This card is an ideal choice if you are looking to have a cashback card.

Citi Double offers you unlimited cash-back rewards on each purchase you make using the card on unlimited categories and products. This card also allows you to transform your earned rewards into “Thank You” points that you can further use for airline miles.

Talking about the rewards, Citi Double Cash Card offers you 2% cashback on each purchase and transaction you make via card, of which 1% is on purchases and 1% cashback upon your credit card bill payments.

The more the card you use, the more you earn. There are no such limitations, restrictions, or caps for maximum and minimum cashback. Another exciting feature that Citi Double Cash offers are, you can use it easily for your daily payments without the hassle of paying any extra fees or interest.

Moreover, talking about the card’s ARP offers 0% introductory ARP to new customers for the first 18 months on completing balance transactions within the first four months of a new account.

It also offers variable ARP afterward depending upon your credit card worthiness. The card charges 3% or 5% of the amount on each transaction and some foreign transaction charges too. The card has absolutely no annual fees or charges.

2. Chase Sapphire Preferred Card

This card is an ideal choice for travelers and food lovers, offering you two different reward points on each dollar you spend over travel or restaurants worldwide and an additional one point per dollar on all other purchases and shopping.

Moreover, the card allows you to earn a big $80,000 if you complete a transaction or spending of $4,000 within the first three months of your account opening.

Chase Sapphire Preferred charges $95 as an annual fee but offers you valuable and flexible rewards, making it one of the best cards on our list.

You may also use your earned rewards for hotel chains and airline programs such as Hyatt and United Airlines. Moreover, chase Sapphire also offers you travel protection if you use it with Sapphire Reserve’s Coverage, letting your ear more and travel safely.

3. Chase Freedom Flex

While listing what are the best rewards credit card in the USA, how can one forget Chase Freedom Flex? This card was launched back in 2020 and is new to the field but launched with amazing splashed offers.

The card is powerful enough even as a standalone cashback card, and it’s really not easy to beat when it comes to flexible rewards.

Chase Freedom Flex has absolutely no annual fee and welcomes new cardholders with an exciting offer, allowing you to earn $200 cashback if you spend $500 within the first three months of account opening.

Moreover, you may earn an amazing 5% cash back on the spending of $1,500 in different categories, an exciting 5% cashback reward if you book travel by Chase Ultimate Rewards.

An amazing 3% cash back at drugstores and restaurants, and 1% cash back on all other transactions and purchases. At the same time, it charges 3% on foreign transactions.

4. American Express Gold Card

American Express Gold Card is an ideal option for all the foodies out there. The card offers amazing membership cashback points on each purchase you make at the restaurants and also at the U.S. supermarkets, making it a good choice for foodies to earn more and add a quick balance to their accounts.

American Express charges $250 as an annual fee and welcomes new cardholders with an amazing cashback offer. You may earn up to a $60,000 cash back reward if you complete spending of $4000 in your first six months of the account opening.

Moreover, you may earn four points on each dollar spent on all the restaurants and supermarkets, 3 points per dollar spent on flights, and one point on other purchases.

5. Chase Sapphire Reserve

Chase Sapphire Reserve is an ideal reward credit card for travellers. Most of the trips nowadays are non-refundable, like a tour and hotel reservations, and you may run out of budget if you cancel the trip, right? Here is the point where Chase Sapphire Reserve comes in and saves your money to be lost.

With a lot of cashback and rewards, Chase Sapphire Reserve offers you amazing insurance on trip delay & cancellations insurance, baggage delay or lost baggage insurance, car rental insurance, and much more. All these features are making it to our list of best travel reward credit cards.

The card charges $550 as an annual fee and has an amazing welcome offer for the new cardholders. You earn up to $60,00 bonus points if you spend $4,000 within the first three months of the account opening. Moreover, it lets you avail yourself of three points per dollar spent on all the restaurants and travel and one point per dollar spent on all other spending and purchases.

6. Platinum Card by American Express

This card is an ideal option for those who want to experience luxury travel and airlines, offering you many perks and benefits. Platinum Card by American Express charges $550 as an annual fee and has an amazing welcome offer for new users.

In addition, you may earn $75,000 membership points upon completing the $5,000 spent on purchases within the first six months of your new account opening.

Talking about the other rewards, this card allows you to earn five-point on each dollar spent on flights, five points at prepaid hotels if you book through Amex Travel, and one point on each dollar spent on all the other purchases.

7. S. Bank Visa Platinum Card

This card offers amazing balance transfers and introductory APR offers, making it our best reward credit card list. This card lets you have 20 different billing cycles with 0% APR on all new purchases and other eligible transfers. Even this card is worth having if the promotional APR gets expired.

U.S. Bank Visa Platinum Card charges no annual fee. Talking about the transaction charges, the card charges either $5 on each transaction or 3% of the total transaction, which is better. It also comes up with other perks like phone insurance, etc.

8. Delta SkyMiles Reserve by American Express Card

This card could not be the ideal option for booking flights, but absolutely the overall best airline reward credit card option because of its amazing welcome offer and a lot of other benefits.

Delta SkyMiles charges $550 as an annual fee and lets the new cardholders earn 50.000 miles points & 10,000 MQM, aka Medallion Qualification Miles, if you spend at least $3,000 with the first three months of account opening. Moreover, it offers you three Delta SkyMiles on each dollar spent and one Delta SkyMiles on all other purchases.

9. United Club Infinite Card

This card is an ideal option for regular United flyers or those who value having access to different United Club Lounges.

United Club Infinite Card charges $525 as an annual fee and lets the new cardholders earn up to 75.000 miles credits if they complete spending of $3,000 within the first three months of their account opening.

Talking about more rewards, this card lets you earn four MileagePlus miles on each dollar spent at all United purchases, two miles credit on each dollar spent on other travels, two miles points on each dollar spent at delivery services and restaurants, and one-mile credit on each dollar spent on all other purchases.

10. The World of Hyatt Credit Card

Wondering if what is the best rewards credit card in the USA for hotel purchases. Hyatt Credit Card is an ideal option to get some great benefits and perks at hotel spends. The card offers some amazing free-of-cost night certificates every year for all the hotels categorized between the range of 1-4.

The card charges $95 only as an annual fee and welcomes new cardholders with an amazing membership offer. You may earn 30,000 points if you complete spending of $3,000 within the first three months of your account opening.

Moreover, this card allows you to earn four World of Hyatt points on each dollar spent at all the Hyatt Properties, and two-point on each dollar spent on restaurants, tickets, local transits, fitness clubs, and gym memberships.

Some have annual fees, while some do not. You need to specify your needs and choose the card wisely that suits your requirements the best to get the most out of your investment.

Conclusion

Having one reward credit card for a family is not the right option, but you need different cards for different situations. Some of us need travel discounts, while some need them at restaurants, whereas some of us, needs lower rates at grocery shops or supermarket, and so on.

Therefore, multiple reward credit card options are available in the market, offering different offers, cashback, and rewards. Each card has its own features and deals that the other does not have.