Top 4 Credit Cards for Earning Reward Points
Discover the top four reward points credit cards that combine excellent earning potential with valuable perks. From cashback to travel benefits, these cards are ideal for maximizing rewards on everyday spending. Learn about their features, bonus offers, and fees to find the best fit for your financial lifestyle.
Top 4 Credit Cards for Earning Reward Points
If you're looking to maximize your rewards, selecting the right credit card can make a significant difference. The best reward credit cards offer not only points for each purchase but also substantial savings on shopping, dining, travel, and more. Here are our top four picks for reward points credit cards that combine value and perks effectively.
Citi Custom Cash Card
Earn 5% cashback in your top spending category up to $500 per billing cycle, then 1% thereafter. All other categories earn a flat 1% cashback. This card has no annual fee and provides an introductory 0% APR on balance transfers and purchases for 15 months.
Chase Sapphire Preferred® Card
Ideal for frequent travelers, this card offers 2X points on travel and dining, and 1 point per dollar on other spending. New cardholders can earn 100,000 bonus points with a $4,000 spend within three months. Points are worth 25% more when redeemed for travel, though it comes with a $95 annual fee.
American Express® Gold Card
Perfect for avid points collectors, it grants 60,000 Membership Rewards® points after spending $4,000 in six months. It features 4X points on dining and delivery, plus a $120 annual dining credit at select restaurants and Uber cash benefits up to $120 annually. The $250 annual fee may be high, but the rewards justify it.
Capital One SavorOne Rewards Card
An excellent choice for newcomers, offering unlimited 3% cashback on dining, entertainment, streaming, and groceries. It also earns 1% cashback on other categories, with no annual fee and a 0% introductory APR for 15 months. This card is great for those who spend heavily in these areas.
