Credit Cards » Compare Credit Cards » The Best Rewards Credit Cards of February 2024
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

The Best Rewards Credit Cards of May 2024

Find the right rewards credit card for you, based on your spend and needs - whather it's cash back, points or miles. Compare our best picks.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Rewards credit cards are cards that actually pay you a predetermined percentage of the amount of every transaction you have. These cards come in two main options, either cash back or travel cards.

Trave cards give you points, or miles, for every dollar you spend. These rewards can be used to pay for flights, hotel stays, car rentals, and other travel related purchases.

Cash back cards give you a percentage of every purchase in the form of cash, hence the name cash back credit card.

These types of credit cards make up over 60 percent of all the credit card offers on the market. The cashback cards make up over 30 percent of offers and 63 percent are points or miles cards.

When you go looking for the best rewards card, you will soon find that there are a lot of options out there to choose from. This is why we have gathered together information for the best reward credit cards available.

Here are The Smart Investor Select’s picks for the top rewards credit cards:

Card
Rewards
Bonus
Annual Fee
Best For

AMEX Blue Cash Preferred Card review

1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
$95 ($0 intro for the first year)
Everyday Spending

Bank of America® travel rewards

1.5X 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
$0
No Annual Fee

capital-one-venture

2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
75,000 miles 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
$95
Travel Experience

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95
Value for Money

Marriott Bonvoy Boundless Card review 2019

1x – 6X 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.
3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
$95
Hotel Rewards

Sam's Club® Mastercard®

1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
None
$0 ($50/$110 for Club/Plus membership – MUST)
Store

Wells Fargo active cash card

2% 2% cash rewards on purchases (unlimited)
$200 $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
$0
Flat Rate Cashback

American Express® Gold Card

Amex gold

Rates & Fees, Terms Apply

American Express® Gold Card

Reward details

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases

Current Offer

60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$250

0% Intro

N/A

APR

21.24% – 29.24% Variable

Rates & Fees, Terms Apply

The American Express® Gold Card is a credit account that offers a myriad of benefits to clients. First-timers stand a chance to earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. In terms of rewards, you can earn 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases.  

Other premium benefits include dedicated service team, up to $120 in Uber Cash (enrollment required), preferred seating at sporting and cultural events, signature perks at upscale hotels, fraud Protection and baggage insurance for up to $500 for checked baggage and $1,250 for carry on.  

  • APR: 21.24% – 29.24% Variable
  • Annual fee: $250
  • Balance Transfer Fee: N/a
  • Foreign Transaction Fee: None
  • Rewards Plan: 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
  • Welcome Bonus: 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
  • 0% APR Introductory Rate period: N/A
  • Welcome Bonus + Premium Point Rewards Rate
  • No Foreign Transaction Fees
  • Special Gold Status Perks
  • $250 Annual Fee
  • High Requirements
  • Is there a limit to rewards? There is a cap on getting the premium rate of cashback on certain types of purchases.
  • Can I get car rental insurance with Amex Gold CardYes, you will get it automatically once you decline the car insurance from the rental company and you pay the full rental charge using this card.
  • What are Amex Gold Card income requirements? There is no out and out income requirement outlined by Amex when it comes to the Gold card.
  • Does card Amex Gold points expire? They do not have an expiration date.
  •  How do I redeem cash back on Amex? There is a points-based system. You can redeem the points for a variety of rewards that are showcased on the Amex website. These include statement credit, gift cards, paying for certain services etc.
  • What purchases don't earn rewards? The minimum rate is 1 point for every $1 spent.
  • Should You Move to Amex Gold CardIf you need a versatile card that covers a wide range of purchases, with a main focus on travel-related purchases and perks.
  •  Why did Amex deny me?  You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.
  • How to maximize rewards on Amex Gold Card? Use it for a versatile range of purchases, make sure you are aware of the different perks and credit that you get with this card.
  • Top Reasons NOT to get the  Gold Card? If you do not travel a lot.
  • Can I get pre-approvedYes, you can get pre-approval.
  •  What is the initial credit limit? The credit limit will usually be at least $5,000.
Book travel with Amex gold points
Book travel with Amex gold points (Screenshot taken by our team from American Express app)

Bank of America® Travel Rewards credit card

Bank of America® travel rewards

Bank of America® Travel Rewards credit card

Reward details

1.5X 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points

Current Offer

25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 billing cycles on purchases and balance transfers

APR

18.24% – 28.24% Variable APR will apply.

The Bank of America® Travel Rewards credit card is a good option for frequent travelers looking for travel rewards, especially if you're an existing customer of Bank of America. It offers a $0 annual fee while customers can use when they travel to earn points and gain rewards. To gain access to this card, you will need a solid credit score of between 680 to 850.

The Bank of America® Travel Rewards offers a agin up bonus of 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases, and you can use for purchases and other travel expenses. You're also not limited when you want to make travel arrangements as the card grants you flexibility. 

  • APR: 18.24% – 28.24% Variable APR will apply.
  • Annual fee: $0
  • Balance Transfer Fee: 3% or $10 (the greater)
  • Foreign Transaction Fee: $0
  • Rewards Plan: 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
  • Sign Up bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • 0% APR Introductory Rate period: 15 billing cycles on purchases and balance transfers
  • Point Sign-Up Bonus
  • Point Rewards
  • No Annual Fee
  • No Foreign Transaction Fee
  • Preferred Rewards, No Expiration
  • Minimum Redemption
  • There are Better Rewards Cards
  • Good – Excellent Credit Needed
  • Limited Travel Protections
  • Is there a limit to rewards/cash back on the Bank of America Travel Rewards Card? There is no cap.
  • Can I get car rental insurance with Bank of America Travel Rewards Card? how? Yes it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance.
  • Does Bank of America ask for proof of income? No out and out income requirement and you do not always have to provide proof of income.
  • Does the card offer pre approval? Yes, pre-approval is an option
  • What is the initial credit limit ? The smallest credit limit for this card iwll usually be $500.
  • How do I redeem cash back ? You are able to redeem these points as statement credit to pay for the likes of travel and dining purchases or you can redeem as cash or in the form of gift cards.
  • Should You Move to Bank of America Travel Rewards CardIf you travel frequently and will use the rewards on travel-related purchases.
  • The bank denied my request, What's now?? Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.
  • How to maximize rewards? Redeem the points for travel-related or dining purchases, maximize the signup offer, and use in conjunction with another card.
  • When you shouldn't get the Bank of America Travel Rewards Card? If you do not travel a lot.

Delta SkyMiles® Platinum American Express Card

Amex Delta SkyMiles Platinum card

Delta SkyMiles® Platinum American Express Card

Reward details

1X – 3X


3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases

Current Offer

50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months

Credit Rating

Good – Excellent

Annual Fee

$350

0% Intro

N/A

APR

20.99%-29.99% Variable

The Delta SkyMiles® Platinum American Express Card is a premium airline credit card catering to frequent Delta flyers. While it comes with a $350 annual fee, the card offers substantial perks for Delta enthusiasts. Cardholders earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases

Key benefits include a free checked bag on Delta flights for the cardholder and up to eight companions, priority boarding, statement credit of up to $100 for Global Entry or TSA PreCheck enrollment, an annual companion certificate after the first card member anniversary, and no foreign transaction fees.

However, prospective cardholders should carefully weigh the annual fee against the offered perks and assess their travel habits to determine if the card aligns with their needs and preferences.

  • Rewards Plan: 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
  • APR: 20.99%-29.99% Variable
  • Annual fee: $350
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: $0
  • Welcome bonus: 50,000 bonus miles after you spend $3,000 in your first six months
  • 0% APR Introductory Rate: N/A
  •  
  • Airline Benefits
  • Annual Companion Certificate
  • Travel and Purchase Protections
  • Earn MQDs to boost elite status
  • No Delta Sky Club Access Discount
  • Uncertain Award Redemption Value
  • High Annual Fee

Are there restrictions on using the annual companion certificate?

The annual companion certificate is valid for round-trip, main cabin domestic travel in specific fare classes, excluding basic economy tickets.

Are Delta SkyMiles transferable to other airline programs?

Delta SkyMiles are not easily transferable to other airline programs, and their value may vary compared to other transferable points.

Can the companion certificate be used for any Delta flight?

The companion certificate is valid for round-trip, main cabin domestic travel but is subject to certain fare class restrictions.

How can the earned Delta SkyMiles be redeemed?

Delta SkyMiles can be redeemed for flights with Delta and its partner airlines, as well as for various other travel-related purchases.

Can the first checked bag benefit be extended to companions on separate reservations?

The first checked bag benefit applies to the cardholder and up to eight companions on the same reservation.

Is there a Delta Sky Club access discount?

No, the Delta Sky Club access discount has been discontinued as of January 1, 2024.

What travel protections are offered by the Delta SkyMiles Platinum Amex Card?

Cardholders receive trip delay coverage, car rental damage coverage, and lost baggage coverage, among other travel protections.

Boeing 777 Delta Airlines flying over the clouds
Boeing 777 Delta Airlines (Photo by Miguel Lagoa/Shutterstock)

U.S. Bank Altitude® Go Visa Signature®

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature®

Reward Details

1X – 4X 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases

Current Offer

20,000 points 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 billing cycles on purchases and balance transfers

APR

18.24% – 29.24% (Variable)

The U.S. Bank Altitude® Go Visa Signature® Card is an excellent rewards option for individuals seeking everyday purchase benefits.

Cardholders have the opportunity to accrue 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases with points that carry no expiration date and can be redeemed as statement credits or deposited into the account once it reaches 2,500 points, with the flexibility of redemption while the account is open.

Enjoy a 0% introductory APR on both purchases and balance transfers for 12 billing cycles on purchases and balance transfers, followed by a variable APR within the range of 18.24% – 29.24% (Variable). Additionally, there are no annual fees, and transactions with international merchants incur zero charges.

  • APR: 18.24% – 29.24% (Variable)
  • Annual fee: $0
  • Balance Transfer Fee: 3%
  • Foreign Transaction Fee: $0
  • Rewards Plan: 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases
  • Sign Up bonus: 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
  • 0% APR Introductory Rate period: 12 billing cycles on purchases and balance transfers
  • High Rewards Rate & Sign Up Bonus
  • No Annual Fee
  • 0% Intro
  • No Points Expiration
  • High Credit Needed

How much is 10,000 points worth?

Points are available on the Altitude Go, and they are typically worth 1.5 cents each. This means that depending on your redemption method, 10,000 points could be worth $150.

Is it good credit card?

Given that the card has no  annual fee, it provides some decent rewards. They are worth serious consideration if you are looking for an everyday card without having to worry about hefty annual fees.

Does the altitude card offer pre approval?

Pre-approval is available at US Bank, but only for offers received via email or mail. Furthermore, if you are an existing customer, you may receive a pre-approved offer via your online account. There is no online tool for interested potential customers to use to check the status of their pre-approval. When you complete the online application form, you are submitting a complete application, which will include a hard credit pull.

What are the card income requirements?

The Altitude Go card requires excellent credit, but one of the most important factors for U.S Bank is your credit rating rather than your income status. 

Do the reward points expire?

You don’t need to worry about expiry dates.  U.S Bank clearly states that the points for the Altitude Go card never expire.

 

Capital One Venture Rewards Credit Card

capital-one-venture

Capital One Venture Rewards Credit Card

Reward details

2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel

Current Offer

75,000 miles 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

19.99% – 29.99% (Variable)

The Capital One Venture Rewards is a low-cost travel card that worth’s its value. It allows you to earn rewards and bonus points while traveling for business, leisure, or pleasure. However, it requires holders to have a credit score of between 680 and 850.

The rewards plan includes 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel . The card attracts no annual fees, and you can get a sign up bonus of 75,000 miles once they spend $4,000 on purchases within 3 months from account opening.  

  • APR: 19.99% – 29.99% (Variable)
  • Annual fee: $95
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: $0
  • Rewards Plan: 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
  • Sign Up bonus: 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
  • 0% APR Introductory Rate period: N/A
  • Flexible Rewards Redemption
  • Great Sign-Up Bonus
  • No Blackout/Expiration Dates
  • No Accumulation Limit on Miles
  • High Variable APR
  • Airline Partners Limitations
  • $95 Annual Fee
  • Redeem Points for a Statement Credit
  • What are Capital One Venture card income requirements? Capital One often required monthly income to be at least $800. Sometimes, you will need to show some proof of income.
  • Does rewards points expire? They do not expire.
  •  Can I get pre-approved on card Capital One Venture CardYes, you can get pre-approval.
  •  What is the initial credit limit ? The minimum credit limit is set at $5,000.
  •  How do I redeem cash back? You can do so in a number of ways, such as spending your accumulated miles directly on travel purchases, or redeem as cash, using at participating retailers, and so on.
  •  What purchases don't earn cash back with the Capital One Venture Card? Every purchase earns cashback.
  •  Should You Move to Capital One Venture CardIf you spent a decent amount of time and money on travel expenses.
  •  Why did Capital One Venture Card deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.24%–28.24% variable APR

The Chase Sapphire Preferred® Card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards. The card offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

This card is on our top spot in regards to the best traveling and dining cards as they offer you more points compared to other cards – 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases. .

  • Rewards Plan: 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
  • APR: 21.24%–28.24% variable APR
  • Annual fee: $95
  • Balance Transfer Fee: 5% or $5, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: N/A
  • Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • No Introductory 0% 
  • Balance Transfer Fee – 5% or $5, whichever is greater
  • Does the travel rewards points expire? Your points won’t expire once you keep the credit card account open.
  • Does card Chase Sapphire Preferred offer pre-approval? Yes, you are able to pre-qualify for this card.
  • What is the initial credit limit? The minimum credit limit that you can get with this card type is usually $5,000.
  • How do I redeem cash back? You can redeem your points in a variety of ways through the Chase credit card reward portal. Some of the perks you can get include cash, travel credit, statement credit, and gift cards.
  • What purchases don't earn cash back? All purchases will earn cashback through this card.
  • Should You Move to Chase Sapphire Preferred card?  If you travel frequently and do not want to pay a large annual fee.
  • Why did the Chase deny me? You might not have met one of its requirements. You will usually find out where you fell short. You might be able to rectify the issue or you might have to look elsewhere.
  •  How hard is it to get a Chase Sapphire Preferred card? If you meet all of the requirements, then it is relatively straightforward to get a Chase Sapphire Preferred card. The requirements are easier compared to Chase Sapphire Reserve card.
  • Is there a limit to rewards/cash back on the Chase Sapphire Preferred card? No limit
  • Can I get car rental insurance with a Chase Sapphire Preferred card? how? Yes, you can get car rental insurance with this card if you decline the collision cover of the rental company and pay for the entire cost of the rental car with this card.
Chase Sapphire Preferred Transfer points to Partners
Chase Sapphire Preferred transfer points to partners (Screenshot from taken by our team from Chase app)

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless Card review 2019

Marriott Bonvoy Boundless® Credit Card

Reward details

1x – 6X 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.

Current Offer

3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

21.49%–28.49% variable

If you're using Marriot frequently or looking for a decent hotel rewards card, the Marriott Bonvoy Boundless® Credit Card may be a perfect match for your needs. 

It offers 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases. and a very attractive sign up bonus of 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. 

However, the card charges $95 annual fee and doesn't offer 0% intro.

  • Rewards Plan: 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.
  • APR: 21.49%–28.49% variable
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
  • 0% APR Introductory Rate period: None
  • Sign-up bonus of points:
  • Sign-Up Bonus
  • Annual Reward
  • Ongoing Points Rewards
  • Transfer to Airline Points
  • Automatic Silver Status
  • Chase Restrictions
  • Confusing Rewards
  • Annual Fee
  • No 0% Intro
Marriott Bonvoy Boundless on landscape background
(Photo by Atstock frica Studio/Shutterstock)

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards®

Bank of America® Premium Rewards® credit card

Reward details

1.5X – 2X


Unlimited 2X points on travel and dining purchases. Unlimited 1.5X points on all other purchases

Current Offer

60,000 points


60,000 online bonus points for spending $4,000 on new purchases in the first 90 days of opening their card account.

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

20.24% – 27.24% variable

The Bank of America® Premium Rewards® credit card is a mid-level rewards card offering modest benefits with a $95 annual fee. The card earns Unlimited 2X points on travel and dining purchases. Unlimited 1.5X points on all other purchases, with a welcome offer of 60,000 online bonus points for spending $4,000 on new purchases in the first 90 days of opening their card account..

The $95 annual fee can be offset by up to $100 in statement credits for airline incidentals and a $100 Global Entry/TSA PreCheck® application fee credit. However, the highest rewards rates require a significant savings balance, and the travel benefits are not as competitive as other premium cards.

The card's rewards redemption options include travel, cash back, or gift cards, with points valued at 1 cent each.

  • APR: 18.24% – 28.24% variable APR on purchases and balance transfers
  • Annual fee: $95
  • Balance Transfer Fee: 3% or $10 (the greater)
  • Foreign Transaction Fee: 3%
  • Rewards Plan: unlimited 1.5% cash back on all purchases
  • Sign Up bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% APR Introductory Rate period: 18 billing cycles for purchases, 60 days on balance transfers
     
  • 0% intro APR
  • No Foreign transaction fee
  • Rewards & Sign up Bonus
  • There are better rewards cards
  • Balance transfer fee
  • Annual fee

Is the Bank of America® Premium Rewards® card right for me?

The card is ideal for financially established Bank of America or Merrill account holders seeking modest rewards and enhanced benefits.

How can I redeem points with the Premium Rewards card?

Points can be redeemed for travel, cash back, gift cards, or deposited into eligible Bank of America or Merrill accounts.

How do I qualify for Preferred Rewards rates on the Premium Rewards card?

Preferred Rewards rates require minimum three-month average balances of $20,000 (Gold), $50,000 (Platinum), or $100,000 (Platinum Honors) in Bank of America accounts.

How much are Premium Rewards points worth?

Points have a fixed value of 1.0 cents each, regardless of the redemption method.

What travel insurance does the Premium Rewards card provide?

The card offers trip delay, trip cancellation, baggage delay, and lost baggage coverage, among other benefits.

Is the Premium Rewards card suitable for everyday spending?

It can be, especially for Preferred Rewards members, but there are higher-earning options at the same price point.

U.S. Bank Altitude Connect

Reward details

1X – 5X 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases

Current Offer

60,000 points 60,000 points after spending $6,000 in eligible purchases on the account owner's card within the first 180 days from account opening

Credit Rating

Good – Excellent

Annual Fee

$95 (waived first year)

0% Intro

N/A

APR

20.24% – 28.24% (Variable)

This U.S. Bank Altitude Connect Visa Signature Card caters to a diverse range of spending categories, such as groceries, dining, and travel, making it versatile for different lifestyles. It offers 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases.

Noteworthy perks of the U.S. Bank Altitude Connect include an annual streaming credit, airport lounge access, cellphone protection, and reimbursement for TSA PreCheck® or Global Entry® application fees. The card provides flexibility in point redemption options, offering a penny per point for travel, cash back, merchandise, and gift cards.

While the card excels in various aspects, it does come with a $95 annual fee after the introductory period, and it lacks the option to transfer points for maximized value.

  • APR: 20.24% – 28.24% (Variable)
  • Annual fee: $95 (waived first year)
  • Rewards Plan: 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases
  • Balance Transfer Fee: 3% or $5, whichever is greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 60,000 points after spending $6,000 in eligible purchases on the account owner's card within the first 180 days from account opening
  • 0% APR Introductory Rate period: N/A
  • High Rewards Ratio
  • Airport Lounge Access
  • Redemption Options
  • Cell phone protection
  • Annual Fee
  • No Point Transfers

How can I redeem the points earned with the U.S. Bank Altitude Connect?

Points can be redeemed for travel, cash back, merchandise, and gift cards, with each point worth a penny.

What is the cell phone protection offered by the card?

The card offers cellphone protection with reimbursement of up to $600 for damage, theft, or involuntary parting with the eligible cellphone.

Is there a credit for TSA PreCheck® or Global Entry® application fees?

Yes, cardholders can receive up to $100 in statement credits every four years for reimbursement toward TSA PreCheck® or Global Entry® application fees.

Is there a limit on the number of points I can earn?

There is no specified cap on the amount of points you can earn, providing potential for unlimited rewards accumulation.

Can I transfer points from the U.S. Bank Altitude Connect Visa Signature Card to other loyalty programs?

No, the card does not allow the transfer of points to other loyalty programs, limiting redemption options.

The Wells Fargo Active Cash℠ Card

Wells Fargo active cash card

The Wells Fargo Active Cash℠ Card

Reward details

2% 2% cash rewards on purchases (unlimited)

Current Offer

$200 $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and qualifying balance transfers

APR

20.24% to 29.99% variable APR

The Wells Fargo Active Cash Card does not charge any annual fee and stands out by it offers. You can earn 2% cash rewards on purchases (unlimited) on every purchase you make with this card, as well as a decent bonus for a card with no annual fee and an introductory 0% APR with a cash bonus.

Wells Fargo also offers built in protections against unauthorized transactions with additional security features such as Voice verification.

  • Rewards Plan: 2% cash rewards on purchases (unlimited)
  • APR: 20.24% to 29.99% variable APR
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • 0% APR Introductory Rate period: 15 months on purchases and qualifying balance transfers
  • Sign-Up Bonus
  • No Foreign Transaction Fee
  • Cashback on All Other Categories
  • No Annual Fee
  • 0% APR on Balance Transfers and Purchases
  • Minimum Redemption Amounts
  • Balance Transfer Fee
  • Lower Cashback Rate
  • Can I get car rental insurance? Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance.
  • Is there a cash-back rewards limit? No cap
  • Does Wells Fargo Active Cash Card ask for proof of income? No out and out income requirements and normally you will not have to provide proof of income.
  • Can I get pre-approved on card Wells Fargo Active Cash CardYes, pre-approval is a possibility.
  • What is the initial credit limit ? It will usually be at least $500.
  • How do I redeem cash back? You are able to redeem the rewards in numerous ways. This includes as statement credit, as cash, withdrawn at an ATM, or redeemed as a gift card. You can also use the rewards when paying through PayPal at an online checkout.
  • What purchases don't earn cash back? All purchases will earn you cashback
  • Why did Wells Fargo Active Cash Card deny me? What to Do Next? Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.
  • How to Use Wells Fargo Active Cash Card Benefits? Use in conjunction with other cards and make the most of the signup offer.
  • Top reasons NOT to get the Wells Fargo Active Cash Card? If you want bigger cashback rates or don’t want to pay any foreign transaction charges.

Macy’s American Express® Card

macy amex card

Macy’s American Express® Card

Reward details

2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else

Current Offer

25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100

Credit Rating

Fair – Good

Annual Fee

$0

0% Intro

N/A

APR

31.99% variable

The Macy's Credit Card, accompanied by the Star Rewards program, offers limited benefits and raises concerns about its overall value

Earning rewards with the Macy's Credit Card requires substantial spending. Platinum status, offeringspend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else. Rewards, in the form of Star Money, expire within 30 days and require 1,000 points for a $10 reward.

The card's extra benefits, including a birthday gift, free shipping for Gold and Platinum members, and exclusive offers, lack significant allure. The welcome bonus and the rewards structure seem disproportionately tied to extensive spending at Macy's.

  • APR: 31.99% variable
  • Rewards Plan: spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else[/sc]
  • Annual fee: $0
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: 25% discount on Macy's on the day you are approved and the following day, up to $100
  • 0% APR Introductory Rate period: N/A
  • Instant Rewards
  • Birthday Gift
  • Shipping for Gold and Platinum Members
  • Exclusive Offers
  • Limited Welcome Bonus Duration
  • Required Spending for Higher Tier Rewards
  • High Regular APR

What are the major drawbacks of the Macy’s Credit Card and its Star Rewards program?

The card lacks significant benefits, and substantial spending at Macy’s is required to unlock meaningful rewards.

How can I apply for a Macy’s Credit Card or Macy’s American Express Card?

Click “Apply Now” above to access the online credit application, and if approved for both, you can choose the card you prefer.

Which bank issues the Macy’s Card?

Citibank, N.A. is the issuer of both the Macy’s Credit Card and the Macy’s American Express Card.

Can I use my Macy’s Card anywhere?

The Macy’s Credit Card is for Macy’s purchases, while the Macy’s American Express Card can be used both at Macy’s and wherever American Express cards are accepted.

What are the different levels of the Macy’s Star Rewards program?

The levels are Silver, Gold, and Platinum, achieved by spending thresholds, offering increasing benefits

What are the extra benefits of the Macy’s Amex Credit Card?

Exclusive offers, free shipping for Gold and Platinum members, and a birthday surprise for qualifying cardholders.