Best Rewards Credit Cards

Best Rewards Credit Cards

Do you know how you like to be rewarded? Whether you’re enticed by the idea of a free trip each year, or you’d like to get your hands on cash back for everyday purchases, there’s a reward credit card out there for you. At Saveful, we want to find the best credit card rewards for all kinds of lifestyles. When you take a look at the ones we’ve identified, you’ll even notice there are ways to change the way you’re rewarded according to the season. *Note: We don’t make affiliate money from any credit card companies. These offers may change, so please read terms credit card terms before applying.

Chase Sapphire Preferred Card


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on Chase’s
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Current offer: 40,000 bonus points when you spend over $3,000 in the first three months, plus a 25% bonus on those points when you use them to book travel through Chase’s Ultimate Rewards portal. There is no fee for the first year, and after this you pay $95 per year. Chase also provides ways for you to rack up extra points.

Why this is a great offer: If you’re a frequent traveller, there are some serious opportunities to make the most of Chase’s reward program here. Combining the 40,000 point signup bonus with booking travel through Chase’s Ultimate Rewards portal, you really have $500 to spend on airfare, hotel, and rental cars. You also have the choice to transfer points on a 1:1 ratio with Chase’s travel partners, including Virgin Atlantic, United, Hyatt, and Marriott. Ongoing rewards include 2 points per $1 spent on travel and dining and 1 point per $1 spent everywhere else. As the card won’t incur foreign transaction fees, it’s an ideal reward credit card for anyone who likes to travel. The serious shoppers will also love this card since it gives them access to Chase’s shopping portal, the Ultimate Rewards Mall. Here you can earn even more points simply for shopping at your favorite online retailers. The Ultimate Rewards Mall typically has some of the best rates for earning extra points for shopping online. And remember, if Chase is offering 5 extra points for every $1 you spend at top retailers like Sears, that’s like a 5% discount since you can cash those points out at 1 cent each!

Chase Freedom


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on Chase’s
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Current offer: 5% cash back on up to $1500 spent in a category, which you can change every quarter. There’s a $100 bonus when you spend $500 in the first month and you earn 1% cash back on all your other purchases.

Why this is a great offer: There are plenty of reward credit cards out there that promote the whole ‘cash back on rotating categories’ perk. While they usually come with impressive percentages, users may feel like they’re missing out on other purchases. That doesn’t happen with the Chase Freedom because you get at least 1% unlimited cash back on all purchases. Of course, you earn 5% cash back on purchases made within the rotating categories each quarter. As for the $100 reward after spending $500 in the first three months, it’s not only feasible, it’s a nice little bonus on an already great card.

Discover It


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on Discover’s
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Current offer: 18 months of 0% interest on balance transfers and 6 months of interest-free purchases. You also get 5% cash back on purchases in certain categories, which rotate each quarter, up to $1,500 per quarter.

Why this is a great offer: If you’re currently trying to balance your credit card debts, you can transfer a balance over and work them off. In the meantime, if you have room to spend some money, you’ll benefit from 0% interest on those purchases. Spend money in those 5% quarterly categories and you’ll also earn an average of $75 a month in cash back. It’s rare that you get the chance to get rid of debt while benefiting from cash back rewards, so you might as well make the most of it.

Barclaycard Arrival Plus World Elite MasterCard


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on Barclay’s
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Current offer: Earn 2 points on every $1 spent, which increases to 2.2 points when you redeen them on travel. You’ll earn 40,000 bonus points when you spend $3,000 or more in the first 90 days and there’s no annual fee for the first year. After that, it’s just $89 annually.

Why this is a great offer: If you love to travel, this card is perfect for scoring at least one free trip each year. You can redeem your points at a 1 point:1 cent ratio on almost any travel purchase such as transportation (airfare, train tickets, taxis, etc) and lodging (hotels, motels, hostels, etc.) then Barclays even refunds you 10% of your points. Let’s say you spend $150 on an airline ticket, you can redeem 15,000 points to get that ticket for free, then you immediately get 10% (1,500) of those points back, so that ticket only ends up costing you a net 13,500 points! To make travel more convenient, Barclays has thrown in free travel and baggage insurance. There’s no foreign transaction fees while you’re abroad, so you’ll save as much as 3% every time you spend while away. Thanks to the generous signup offer and ongoing earning potential, this is easily one of the best rewards credit cards available.

Capital One Quicksilver Cash Rewards Credit Card


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on Capital One’s
secure website

Current offer: No annual fee, no transaction fees while abroad, and $100 cash back when you spend $500 in the first three months. You also earn a nifty 1.5% cash back on all your purchases.

Why this is a great offer: International travellers have an excellent opportunity to save on their foreign transaction fees with this card. At the same time, the transactions you make while home or abroad earn you 1.5% cash back. And thanks to the $100 reward you get after you spend $500 in the first three months, this card comes in handy whether you like to travel or not.

American Express Blue Cash Preferred Card

amexBlueCashPreferred
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on American Express’s
secure website

Current offer: 6% cash back on up to $6,000 at supermarkets, 3% cash back at gas stations and select department stores, and 1% on everything else. Plus, you get $150 when you spend $1,000 or more in the first three months. The annual fee is $75.

Why this is a great offer: Let’s face it, not everyone opts for a credit card because they want to work their way around the world or benefit from lavish spending. If your card is going to go towards everyday purchases, the Blue Cash Preferred let’s you earn rewards for your normal spending habits. With supermarkets becoming increasingly more diverse in terms of what they sell, that 6% cash back on $6,000 isn’t restricted to food. There is a $75 annual fee but you can use the $150 signup bonus to cancel out the first 2 years of these fees. Everyone can benefit from the additional $360 you get from maxing out the 6% cash back at supermarkets, and if you drive or shop a lot, that 3% cash back quickly builds up as well.