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Best Rewards Credit Cards in 2026
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 2026: BEST REWARDS PROGRAM
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Annual Fee
$175 the first year; $49 thereafter
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
More Rewards Credit Cards
This offer is not available in DC, DE, HI, MA, MD, MO, NJ, NV, NY, RI, SC, SD, TX, VI, VT, WV, WI.
- Upgrade to the Aven Home Equity card to get up to $400,000 Credit Limit with APR as low as 6.99%
- $0 Annual Fee
- 3% Cash Back on All Purchases Up to $10,000, Every Year*
- 2% Unlimited Cash Back on All Purchases
- Aven Black Metal Card
- Rates as low as 17.99% with the Aven Rewards Visa Credit Card
- Aven - 4.9/5 Star Rating on Trustpilot from 4,000+ reviews
- No Foreign Transaction Fees
- Travel Assistance Services
- Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.
- Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289*
This offer is not available in DC, DE, HI, MA, MD, MO, NJ, NV, NY, RI, SC, SD, TX, VI, VT, WV, WI.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
17.99% - 27.99%
Annual Fee
$0
- Start building credit with just $150 – secure you line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
28.24% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
This offer is not available in Colorado, Massachusetts, Maine, Washington.
- The Nibbles Pet Rewards Credit Card combines rewards benefits and complimentary pet insurance
- No annual fee
- Complimentary pet insurance for one eligible dog or cat
- Up to $25,000 per year in accident & illness coverage included
- Earn 3X points at pet & vet purchases — even on the full vet bill, not just post-reimbursement
- Earn 1X points everywhere else Mastercard is accepted
- Skip the paperwork with automated claims
- Add more pets with up to 5% discount on each additional premium
- Use at any licensed vet in the U.S. — all are in-network
- Terms and conditions apply407
This offer is not available in Colorado, Massachusetts, Maine, Washington.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
US Prime + 17.74% (max of 29.99%)
Annual Fee
None
- To apply for a Chime Card™, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (2% cash back399 on category of choice, e.g., gas and groceries) with Chime Plus™* status.
- No annual fees or interest. No credit check to apply.400
- Fee-free (in-network) ATM network404 and cash deposits405.
Intro APR on Purchases
No Interest
Intro APR on Balance Transfers
No Interest
Regular Purchase APR
No interest
Annual Fee
$0
- Guaranteed $1,000 credit limit if approved.
- Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases each year! See Terms.
- Plus, 1% Cashback Rewards earned on all other purchases.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit required—get started today!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.90%
Annual Fee
$250 the first year; $99 thereafter
- 1% cash back on all purchases. Unlock 3% on gas and groceries with AutoPay
- No Annual Fee
- 1-10% cash back at select national merchants
- Credit limit increases in as early as 4 months for qualified borrowers
- Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- No security deposits required
- Card issued by WebBank
- Rates & Fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% Variable
Annual Fee
$0
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- †See the Rewards Terms and Conditions for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$39^
This offer is not available in Maryland and West Virginia.
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by Webbank
- Review Cardholder Agreement for rate and fee information
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
This offer is not available in Maryland and West Virginia.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
36% fixed
Annual Fee
As low as $99
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- Join over a million consumers who use the Destiny Mastercard® to help build their access to credit.
- No security deposit required—get started today!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
- NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
- Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
- Switch spend categories up to four times a year.
- No annual fee
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Intro APR on Purchases
NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfers
0% introductory APR for first 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness.
Regular Purchase APR
18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.
Annual Fee
None
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard®.
- A rewards card for people with less than perfect credit!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
- 1-10% cash back at select national merchants
- No Credit Score? No problem. Credit history isn’t required for approval
- No annual fee and no security deposit required
- Credit limit increases in as early as 4 months for qualified borrowers
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- Card issued by WebBank
- Rates & Fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.24% - 34.24% Variable
Annual Fee
$0
- Get up to 75,000 bonus points— and turn them into up to $1,125 in travel.
- Earn 1X - 5X Points on card purchases.
- Valuable Travel Benefits
- 1:1 Point Transfer
- No Foreign Transaction Fees
- Immense Partner Value
Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Regular Purchase APR
See terms
Annual Fee
See terms
- The first credit card backed by vehicle equity.
- Pre-approval decision in 1 minute.
- $4,400 average credit limit - up to $10,000.
- Fast access with the virtual card and cash advances.
- Unlimited 1.5% cashback on all purchases.
- Reports to the 3 major credit bureaus monthly.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
24.88% to 35.88%
Annual Fee
$40
This offer is not available in AK, CT, DC, MA, MD, ME, NC, NV, NY, RI, VT.
- See if you're pre-approved with no impact to your credit score.
- Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months.
- Earn unlimited 1% cash back on purchases.
- Building your credit? We report to the major credit bureaus and good payment habits can pay off.
- Easily manage your account and make payments using BrightWay App.
- BrightWay cards are issued by WebBank.
- See the OneMain BrightWay® Card Rate & Fees*.
This offer is not available in AK, CT, DC, MA, MD, ME, NC, NV, NY, RI, VT.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%*
Annual Fee
$0 - $89*
- Enjoy 0% Intro APR on Purchases for up to 15 months; a variable go-to APR applies after that.
- Earn up to 5% cash back or up to 3x points on purchases.
- Earn up to 60,000 bonus miles/points as a sign-up bonus.
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Regular Purchase APR
See Terms
Annual Fee
$0
- Accepts immigrants and internationals without an SSN
- Build credit faster
- No credit check or hard inquiry
- Earn up to 15% cashback at selected merchants
- Get up to 4.00% APY396
- 0% APR
- You're pre-approved.397 Apply now with no risk to your credit score
Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Regular Purchase APR
0%
Annual Fee
$72-$144
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
- Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Intro APR on Purchases
None
Intro APR on Balance Transfers
Balance transfers: 0% introductory APR* on balance transfers for first 15 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness.
Regular Purchase APR
18.49%, 23.49% or 28.49%variable APR based on your creditworthiness.
Annual Fee
None
- 2% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- †See the Rewards Terms and Conditions for more information
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99%^
Annual Fee
$0^
- Get $200 in bitcoin when you spend $3,000 in your first 90 days. Intro Promo Terms
- Earn 4% back – now includes gas, EV charging, transit, taxis & rideshare purchases up to $300 in spend per month, 1% thereafter. Spend cycle refreshes on the 1st of each calendar month.
- Earn 3% back on dining and 2% back on groceries.
- All other purchases earn 1% back per dollar spent.
- You can earn rewards in bitcoin, ethereum or 50+ other cryptos currently available on Gemini.
- No annual fee and no foreign transaction fees. See Rates & Fees to learn more.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
16.49 to 34.49% Variable
Annual Fee
$0
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- †See the Rewards Terms and Conditions for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$75^
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
28.24% (variable)
Annual Fee
$0
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
23.89% (variable)
Annual Fee
$35
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your Credit Score†
- *See Program Terms for important information about the cash back rewards program.
- ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
36% Fixed
Annual Fee
$85 - $175 first year, $229 thereafter
This offer is not available in U.S. territories.
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
- *See Program Terms for important information about the cash back rewards program.
- **Fraud liability subject to Mastercard rules.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
This offer is not available in U.S. territories.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
36% Fixed
Annual Fee
$85 - $175 first year, $229 thereafter
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.
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...
There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand's purchases, some minor rewards or special financing. However, you pay for...
Have a Question About Credit Cards?
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