top 10 points rewards credit cards
Top points rewards credit cards offer lucrative benefits for consumers who love to earn points on their purchases. These cards often come with attractive sign-up bonuses, high points-earning rates for specific categories like travel, dining, and groceries, and flexible redemption options. They are ideal for people who spend strategically to maximize their rewards.
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Some of the top points rewards credit cards include the Chase Sapphire Preferred, American Express Gold Card, and Citi Premier Card. The Chase Sapphire Preferred is popular for its generous sign-up bonus and 2x points on travel and dining. The American Express Gold Card stands out with its 4x points on dining and U.S. supermarkets. The Citi Premier Card offers 3x points on travel, including gas stations. Other notable mentions are the Capital One Venture Rewards Credit Card, known for its 2x miles on every purchase, and the Wells Fargo Propel American Express card, which offers 3x points on dining, travel, and streaming services. Additionally, cards like the Marriott Bonvoy Boundless, Hilton Honors American Express Surpass, and World of Hyatt Credit Card cater to hotel loyalty program enthusiasts, offering substantial points for hotel stays and related purchases. These cards often come with additional perks like travel insurance, no foreign transaction fees, and access to exclusive events, making them highly beneficial for frequent travelers and savvy spenders.
Chase Sapphire PreferredView AllChase Sapphire Preferred - Travel rewards credit card with premium benefits and bonuses.
American Express PlatinumView AllAmerican Express Platinum - Elite travel perks and premium financial services.
Capital One VentureView AllCapital One Venture - Travel rewards credit card with flexible earning and redemption.
Citi PremierView AllCiti Premier - Rewarding travel credit card with versatile points and benefits.
Discover it MilesView AllDiscover it Miles - Travel rewards credit card with unlimited mile-earning potential.
Wells Fargo PropelView AllWells Fargo Propel - Wells Fargo Propel: No-annual-fee, rewards-rich credit card.
Bank of America Travel RewardsView AllBank of America Travel Rewards - Bank of America Travel Rewards: Earn travel points, no annual fee.
Hilton Honors American ExpressView AllHilton Honors American Express - Rewards credit card for Hilton hotel stays and travel perks.
Marriott Bonvoy BoundlessView AllMarriott Bonvoy Boundless - Reward-focused travel credit card by Marriott Bonvoy.
United Explorer CardView AllUnited Explorer Card - Travel rewards card with United Airlines perks and benefits.
top 10 points rewards credit cards
1.
Chase Sapphire Preferred
The Chase Sapphire Preferred® Card is a popular travel rewards credit card known for its generous points system, flexible redemption options, and valuable travel benefits. Cardholders earn double points on travel and dining purchases, with points redeemable through the Chase Ultimate Rewards® portal for travel, cash back, gift cards, and more. The card offers a substantial sign-up bonus, comprehensive travel insurance, no foreign transaction fees, and access to exclusive events, making it a favorite among travelers and diners alike.
Pros
Generous rewards- Travel benefits
- No foreign transaction fees
- Strong sign-up bonus
- Flexible points redemption.
Cons
Annual fee- High credit score requirement
- Limited lounge access
- Complex rewards system
- No introductory APR offer.
2.
American Express Platinum
American Express Platinum is a premium charge card designed for affluent consumers seeking luxury and exclusive benefits. Known for its high annual fee, it offers a range of perks including extensive travel rewards, access to airport lounges, hotel and airline credits, concierge services, and elite status with various travel partners. The card caters to frequent travelers and those who value superior customer service and tailored experiences. Its robust rewards program and comprehensive benefits make it a top choice for discerning cardholders.
Pros
- Premium rewards
- extensive travel benefits
- luxury concierge service
- global lounge access
- comprehensive purchase protection
Cons
- High annual fee
- limited acceptance
- complex rewards system
- requires excellent credit
- potential for high interest rates
3.
Capital One Venture
Capital One Venture is a popular travel rewards credit card known for its simplicity and generous rewards program. Cardholders earn unlimited 2x miles on every purchase, which can be redeemed for travel-related expenses such as flights and hotels. The card often features a substantial sign-up bonus and comes with additional benefits like travel insurance and no foreign transaction fees, making it an attractive option for frequent travelers seeking straightforward and valuable rewards.
Pros
- Flexible rewards
- No foreign transaction fees
- Travel benefits
- Easy redemption
- High sign-up bonus.
Cons
- Annual fee
- Limited lounge access
- Higher APR
- Good credit needed
- Penalty APR.
4.
Citi Premier
The Citi Premier Card is a versatile travel rewards credit card that offers generous points for everyday spending, including dining, groceries, and travel purchases. Cardholders earn Citi ThankYou Points, which can be redeemed for travel, gift cards, or transferred to various airline and hotel loyalty programs. The card also provides additional benefits such as no foreign transaction fees, purchase protection, and access to exclusive events. Its comprehensive rewards structure makes it an attractive option for frequent travelers and everyday spenders alike.
Pros
- High rewards rate
- Flexible redemption options
- Travel benefits
- No foreign transaction fees
- Attractive sign-up bonus
Cons
- Annual fee
- Complex rewards system
- Limited airport lounge access
- High credit score requirement
- Limited travel partners
5.
Discover it Miles
The Discover it® Miles is a travel rewards credit card designed for avid travelers seeking flexibility and value. It offers unlimited 1.5x miles on every purchase, redeemable for travel credits or cash back. Unique features include no annual fee, no foreign transaction fees, and an exclusive first-year match of all miles earned. Cardholders also benefit from a 0% introductory APR on purchases for 15 months and access to Discover's renowned customer service and robust security features.
Pros
- No annual fee
- 1.5x miles on all purchases
- first-year mile match
- no foreign transaction fees
- flexible redemption options
Cons
- Limited travel benefits
- higher APR
- minimal travel insurance
- no airport lounge access
- limited acceptance outside the US
6.
Wells Fargo Propel
The Wells Fargo Propel is a rewards credit card known for its generous rewards program and no annual fee. It offers triple points on a wide range of everyday spending categories, including dining, travel, gas stations, and streaming services. Additionally, it provides various perks such as cell phone protection and no foreign transaction fees. Catering to consumers seeking value and flexibility, the Wells Fargo Propel is a competitive option in the rewards card market.
Pros
- no annual fee
- generous rewards program
- cell phone protection
- travel benefits
- extensive partner network
Cons
- limited international acceptance
- complex rewards redemption
- high credit score requirement
- average customer service
- no intro APR on purchases
7.
Bank of America Travel Rewards
Bank of America Travel Rewards is a credit card designed for travelers, offering unlimited 1.5 points per dollar spent on all purchases with no annual fee. Points can be redeemed for travel-related expenses like flights, hotels, and vacation packages. The card also features no foreign transaction fees, making it ideal for international travel. New cardholders can benefit from a substantial introductory bonus if a spending threshold is met within the first 90 days.
Pros
- No annual fee
- Unlimited 1.5 points per dollar
- No foreign transaction fees
- Flexible redemption options
- Online banking integration.
Cons
- No bonus categories
- Requires good credit
- Limited transfer partners
- Points not as valuable as some programs
- No travel insurance benefits.
8.
Hilton Honors American Express
Hilton Honors American Express is a co-branded credit card offering exclusive benefits for members of the Hilton Honors loyalty program. Cardholders earn points on everyday purchases, which can be redeemed for free hotel stays and experiences at Hilton properties worldwide. The card also provides perks like complimentary Hilton Honors status, bonus points on Hilton purchases, and travel-related benefits such as no foreign transaction fees and travel insurance, enhancing the overall travel and lodging experience.
Pros
- Generous rewards program
- Complimentary Hilton status
- No foreign transaction fees
- Points transferable to airlines
- Access to Amex Offers.
Cons
- High annual fee
- Limited point redemption options
- Requires good credit
- Interest charges
- Limited acceptance internationally.
9.
Marriott Bonvoy Boundless
Marriott Bonvoy Boundless is a premium travel rewards credit card offered by Marriott International in partnership with Chase. It provides cardholders with an array of benefits, including free nights at Marriott hotels, accelerated points on purchases, and elite status perks. Designed for frequent travelers, it features no foreign transaction fees, complimentary Silver Elite status, and an annual free night award. The card aims to enhance the travel experience by maximizing the value and convenience of Marriott's extensive hotel portfolio.
Pros
- extensive rewards program
- complimentary Silver Elite status
- free night stay annually
- no foreign transaction fees
- travel and purchase protections
Cons
- annual fee
- limited acceptance outside Marriott properties
- high APR
- complex rewards system
- limited elite status benefits
10.
United Explorer Card
The United Explorer Card is a travel rewards credit card offered by Chase in partnership with United Airlines. It provides cardholders with benefits such as priority boarding, free first checked bag, and access to United Club lounges. Additionally, it offers bonus miles on United purchases, dining, and hotel stays, making it ideal for frequent flyers. The card also includes travel protections and no foreign transaction fees, enhancing its appeal for both domestic and international travelers.
Pros
- Travel benefits
- Airline miles
- Free checked bags
- Priority boarding
- No foreign transaction fees
Cons
- Annual fee
- Limited lounge access
- Requires good credit
- Higher APR
- Limited airline-specific rewards