Best Rewards Credit Cards in 2018

With a variety of credit card rewards programs that change all the time, it's easy to miss best rewards cards and promo offers. Here we gathered top rewards cards with different rewards programs from our partners. Whether you look for cash back, miles rewards, or point rewards credit card, you will find an offer that fits your needs.

June 2018: BEST REWARDS PROGRAM

Discover it® Cash Back Application
Compare now (45) »
5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

More Rewards Credit Cards

Discover it® Miles Application
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5
Card Overall Rating
Excellent, Good Credit
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
Discover it® chrome Application
Compare now (45) »
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
4
Card Overall Rating
Fair Credit
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
4
Card Overall Rating
Good/Excellent Credit
  • 75,000 MILES EACH YEAR if you spend $25,000 on purchases
  • After that, keep earning UNLIMITED 2X MILES on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 800 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.49%, 21.49% or 24.49% Variable
Annual Fee
$150
4
Card Overall Rating
Fair Credit
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
5
Card Overall Rating
Excellent, Good Credit
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
National Credit Direct Application
Compare now (45) »
4
Card Overall Rating
Bad/Fair Credit
  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.0%
Annual Fee
See Terms*
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 12 months
Ongoing APR
11.00% (V)
Annual Fee
$0

Getting Credit Cards With Rewards

If you are new to the world of rewards, all those points, miles, cash back and sign-up bonuses may sound like some trick issuers use to make you apply for their card. However, when you understand how all rewards programs work and how much you can save using a rewards credit card, you won't be that skeptical any more.

To get into the swing of rewards credit cards, start using a cash back credit card with fixed cash back rewards on purchases. Cash back rewards are plain and easy to comprehend: you simply get some percentage back form every purchase you make with the card. Standard cash back reward is 1% cash back. Earned cash back can be easily redeemed for cold cash or statement credits.

Points and miles rewards are pretty much the same: you get a number of points/miles per dollar spent on purchases. Standard reward is 1 mile or 1 point, and it is usually worth 1 penny when you translate it into cash, but it may vary depending on redemption conditions.

When you fill confident enough, you can try co-branded credit cards. They usually allow to earn points or miles rewards on purchases in specific categories like travel, gas, dining out, or entertainment. Co-branded cards are good for travelers, avid shoppers and to anyone who find themselves loyal to a store, airline or a hotel.

When you choose a rewards credit card, it always comes to your shopping habits, expenses, and needs. You won't need an airline credit card if you do not travel by plane, and you won't definitely need a gas rewards credit card if you do not have a car. So, think first, then calculate your potential rewards and then apply for a rewards credit card.

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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
A cashback card is a card that gives you cash back as rewards. Basically this means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit card issuer that produces your...
What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good...
You can consider the Discover it® Cash Back credit card. This card has 14 months of 0% interest introductory period on purchases and balance transfers. You won't be charged an annual fee and you won't be charged a penalty fee if you are late with...
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