Best Rewards Credit Cards in 2025

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.

February 2025: BEST REWARDS PROGRAM

4
Card Overall Rating
Excellent/Good Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.49% to 29.24%, based on your creditworthiness
Annual Fee
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.
  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
  • Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.

This offer is not available in U.S. territories.

More Rewards Credit Cards

5
Card Overall Rating
  • Excellent option for a low fully refundable security deposit, get started with just $100
  • Earn up to 10% cash back on everyday purchases
  • Minimum payment as low as $10
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
28.99% (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.
5
Card Overall Rating
See website for Details^
  • 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • May Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$39^
5
Card Overall Rating
  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Access to your Credit Score
  • The Imagine Card is issued by Webbank.
  • See Cardholder Agreement for important information about terms.
  • *See Program Terms for important information about the cash back rewards program.
  • **Zero liability subject to Visa’s Zero Liability Policy.
  • 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 WebBank (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
29.99% or 36% fixed
Annual Fee
As low as $99
5
Card Overall Rating
  • Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
  • Or, receive up to 24-months special financing** on qualifying purchases.
  • Earn 2% back in Reward Dollars* on grocery store purchases and 1% back in Reward Dollars* on all other purchases anywhere Mastercard is accepted
  • No annual fee^^
  • Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
  • Shop seamlessly and track your Reward Dollars*, manage your account, and more with the Crate & Barrel mobile app
  • Enjoy Mastercard member benefits like Mastercard ID Theft Protection™ , Mastercard Travel & Lifestyle Services, and Mastercard Global Service™^
  • When you apply, you will first be considered for the Crate & Barrel Mastercard, if you do not qualify for the Crate & Barrel Mastercard you will then be considered for the Crate & Barrel Credit Card
  • */**/^^/^Learn More about the Crate & Barrel credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
33.99% Variable
Annual Fee
$0

This offer is not available in AK, AR, CT, DC, IA, MA, MD, ME, NC, NE, NV, NY, RI, VT.

5
Card Overall Rating
Fair/Poor/Bad Credit
  • 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 Financial BrightWay® Card rates and fees.

This offer is not available in AK, AR, CT, DC, IA, MA, MD, ME, NC, NE, 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
5
Card Overall Rating
Excellent / Good Credit
  • 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
5
Card Overall Rating
See website for Details^
  • 2% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms 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^
5
Card Overall Rating
  • Earn 10% back in Reward Dollars* every day on purchases at CB2, Crate & Barrel, and Crate & Kids
  • Or, receive up to 24-months special financing** on qualifying purchases.
  • Earn 2% back in Reward Dollars* on grocery store purchases and 1% back in Reward Dollars* on all other purchases anywhere Mastercard is accepted
  • No annual fee^^
  • Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
  • Shop seamlessly and track your Reward Dollars*, manage your account, and more with the CB2 mobile app
  • Enjoy Mastercard member benefits like Mastercard ID Theft Protection™ , Mastercard Travel & Lifestyle Services, and Mastercard Global Service™^
  • When you apply, you will first be considered for the CB2 Mastercard, if you do not qualify for the CB2 Mastercard you will then be considered for the CB2 Credit Card
  • */**/^^/^Learn More about the CB2 credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
33.99% Variable
Annual Fee
$0
5
Card Overall Rating
Average/Fair Credit
  • Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
  • Or, receive up to 24-months special financing** on qualifying purchases.
  • No annual fee^^
  • Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
  • Shop seamlessly and track your Reward Dollars*, manage your account, and more with the CB2 mobile app
  • When you apply, you will first be considered for the CB2 Mastercard, if you do not qualify for the CB2 Mastercard you will then be considered for the CB2 Credit Card
  • */**/^^Learn More about the CB2 credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
33.99% Variable
Annual Fee
$0
5
Card Overall Rating
See website for Details^
  • 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$75^
5
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
28.99% (variable)
Annual Fee
$0

This offer is not available in DC, GA, IA, MA, WV, WI.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

This offer is not available in DC, GA, IA, MA, WV, WI.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
5
Card Overall Rating
Average/Fair Credit
  • Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
  • Or, receive up to 24-months special financing** on qualifying purchases.
  • No annual fee^^
  • Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
  • Shop seamlessly and track your Reward Dollars*, manage your account, and more with the Crate & Barrel mobile app
  • When you apply, you will first be considered for the Crate & Barrel Mastercard, if you do not qualify for the Crate & Barrel Mastercard you will then be considered for the Crate & Barrel Credit Card
  • */**/^^Learn More about the Crate & Barrel credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
33.99% Variable
Annual Fee
$0
4
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
24.64% (variable)
Annual Fee
$35
Upside Application
Compare
5
Card Overall Rating
  • Earn every time you shop gas, grocery, or food with Upside's free top-rated app.
  • Claim a cash back offer at a location near you.
  • Make your purchase and pay with a credit or debit card.
  • Cash out your earnings directly to your bank account, PayPal, or a gift card.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
N/A
Annual Fee
$0
4
Card Overall Rating
  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on 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 VantageScore 4.0 score from TransUnion®
  • *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
29.99% or 36% Fixed
Annual Fee
$85 - $175 first year, $229 thereafter

This offer is not available in DC, GA, IA, MA, WV, WI.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • No annual fee
  • Pay no interest when you pay your full balance early*
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for everyday expenses and large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy

This offer is not available in DC, GA, IA, MA, WV, WI.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0

This offer is not available in U.S. territories.

4
Card Overall Rating
  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 Credit Limit
  • Use Anywhere Mastercard® is Accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®
  • *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
29.99% or 36% Fixed
Annual Fee
$85 - $175 first year, $229 thereafter

This offer is not available in DC, GA, IA, MA, WV, WI.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

This offer is not available in DC, GA, IA, MA, WV, WI.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
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 tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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...
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