Top Rewards Credit Cards in the US: Cashback, Points, and Travel 2025

Choose what fits you

Looking for a card that gives back every time you swipe? The top rewards credit cards in the US offer cashback, points, and travel perks to help you get more from every dollar you spend.

Why Rewards Credit Cards Make Sense

Rewards cards let you earn something in return for your everyday purchases. They typically fall into three popular categories:

• Cashback cards return a portion of your spending as money.
• Travel cards earn you miles or points toward flights and hotels.
• Loyalty cards are connected to specific programs for added perks.

With the right card, your regular expenses can turn into real benefits — often with no extra effort.

Top Cashback Cards to Watch

Cashback cards are ideal for people who want flexible, straightforward rewards.

Wells Fargo Active Cash® Card

• Earn 2% cashback on all purchases.
• No rotating categories or activation required.
• $0 annual fee.

Citi® Double Cash Card

• Earn 1% when you buy and 1% when you pay.
• No caps on earnings.
• Simple structure, strong value.

These cards offer an easy way to get rewarded for groceries, fuel, and everyday shopping. Plus, many come with no annual fee and additional bonuses.

Best Credit Cards for Travel Rewards

If you’re someone who enjoys traveling or wants to save on trips, travel cards deliver great long-term value.

Capital One VentureOne Rewards

• Earn 1.25x miles on every purchase.
• Transfer miles to travel partners.
• No annual fee and no foreign transaction fees.

Bank of America® Travel Rewards

• 1.5 points per $1 spent on all purchases.
• No blackout dates or expiration.
• Ideal for flexible travel planning.

These options help you build miles effortlessly. What’s more, you can use them with a wide range of airlines and hotel chains.

Rewards Cards Connected to Loyalty Programs

Some credit cards are tailored to fans of specific travel brands, hotels, or retailers.

Marriott Bonvoy Bold® Card

• Earn 3x points at Marriott Bonvoy properties.
• 2x on travel purchases and 1x everywhere else.
• No annual fee and automatic Silver Elite status.

United Gateway℠ Card

• 2x miles on United purchases, gas, and transit.
• No annual fee and no foreign transaction fees.
• Access to exclusive flight discounts.

Loyalty-based cards give frequent customers added value through priority perks, bonus earnings, and elite status upgrades.

How to Pick the Right Card for You

Before applying, consider your spending patterns and reward preferences:

• Are you aiming for cashback or travel points?
• Do you often shop with one airline or hotel brand?
• Would you like to choose your desired credit limit based on your budget?

Also, check the terms: some cards have welcome offers that require a minimum spend. Others may offer higher rewards in specific categories only.

Citi® Double Cash Card

Earn 2% cashback on all purchases: 1% when you buy, 1% when you pay. Ideal for everyday savings!

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Chase Sapphire Preferred®

Earn 2x points on travel and dining, with a 25% bonus when redeemed through Chase Ultimate Rewards.

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American Express® Green Card

Get 3x points on travel, transit, and dining worldwide. Great flexibility for frequent travelers!

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Amazon Prime Rewards Visa

Enjoy 5% back at Amazon and Whole Foods, plus 2% at restaurants, gas stations, and drugstores.

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Discover it® Secured

Earn 2% cashback at gas stations and restaurants. Ideal for building or rebuilding credit history.

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Final Take

The top rewards credit cards in the US do more than handle payments — they help you earn while you spend. Whether you’re after simple cashback or planning your next trip using miles, there’s a card that aligns with your financial lifestyle.

So go ahead: compare your options, check the benefits, and choose the rewards that match your lifestyle.

Andre 14 de May de 2025