Are you looking for a good credit card rewards programs? These are the favorite cards among frequent travelers, considering both the unmissable points program and the discounts you can get with this credit card.
The market offers countless options so many that it’s easy to get lost among them and not know which one is ideal. With that in mind, we’ve filtered out the best options available and will present you with the top credit card rewards programs. This way, no matter which one you choose, you’ll know you’ve picked one of the best options on the market.
We’ll cover the main benefits of credit card rewards programs, as well as their key fees. This way, you can choose between those with more advantages or those with lower costs.
1. American Express Gold Card (Credit Card Rewards Programs)
The American Express Gold is one of the best cards for those looking to accumulate points and enjoy exclusive perks. Let’s take a look at everything it offers:
- Up to 90,000 bonus points: By spending $6,000 in the first 6 months, you can earn 90,000 Membership Rewards® points to redeem however you like.
- Market-average fees: Currently, APR rates range between 20.24% and 28.24%, applicable to eligible charges.
- Customization: You can choose your card color—Gold or Rose. Your choice won’t affect your benefits, as both options provide the same perks.
- $120 in Uber Cash: When you link your American Express Gold to the Uber app, you’ll receive $10 per month, which can be used for rides and Uber Eats.Earn more points on your purchases: This card stands out for its excellent point accumulation. Here’s how it works:
- 4 points per dollar spent at restaurants.
- 4 points per dollar spent at supermarkets.
- 3 points per dollar when booking flights directly with airlines or through AmexTravel.com.
- 2 points per dollar on prepaid hotels.
- 1 point per dollar on all other purchases.
These points accumulate at American Express partner stores, so we recommend visiting the official website to check the list of participating retailers and maximize your benefits.
With all this in mind, it’s clear that the main advantage of this card is the high point accumulation, making it an excellent credit card for travel. Plus, the application process is simple and can be done through the official website. Without a doubt, this is one of the best credit cards for travel.
2. Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards might be the best choice for you if you’re looking to earn miles. Let’s check out this credit card’s main highlights:
First and foremost, with this card, you can earn miles on almost every purchase you make. Here’s how the points system works:
- 1.25 miles per dollar spent on any purchase.
- 5 miles per dollar when booking hotels and rental cars through Capital One Travel.
- 20,000 bonus miles when you spend $500 within the first 3 months after opening the account.
Currently, the introductory APR is 0% for 15 months on purchases and balance transfers. After this period, the APR ranges between 19.24% and 29.24%.
Additionally, you can save up to 15% on hotel bookings made through the Capital One Travel portal, ensuring that you travel to amazing destinations while maximizing savings without compromising on a great financial experience.
3. Chase Sapphire Preferred Credit Card
The Chase Sapphire Preferred® is designed for those who want plenty of rewards, especially points. Most of its benefits revolve around maximizing point accumulation. Here’s what you can earn:
- 60,000 bonus points when you spend $4,000 within the first 3 months.
- 5x points on travel purchases made through Chase Travel (excluding hotels eligible for the $50 Chase Travel Hotel credit).
- 3x points on dining, including delivery services, takeout, and restaurant dining.
- 2x points on other travel purchases.
- 5x points on Peloton equipment and accessory purchases over $150, with a maximum of 25,000 points until March 31, 2025.
When it comes to fees, this card isn’t the most competitive. The APR varies between 20.49% and 27.49%, and there is an annual fee of $95 (around $7.91 per month).
However, one standout benefit is free access to DashPass, the subscription service for DoorDash and Caviar, which normally costs around $120 per year. This perk is available until December 2027
4. Chase Freedom® Unlimited Credit Card
The Chase Freedom® Unlimited is a versatile card, perfect for those looking for cashback and travel perks. This card’s main advantage is cashback, with the following opportunities:
- $200 bonus after spending $500 in the first 3 months.
- 1.5% unlimited cashback on all purchases.
- 3% cashback on dining and drugstore purchases.
- 5% cashback on travel booked through Chase Travel.
- 5% cashback on Lyft rides (1.5% standard + 3.5% extra) until March 31, 2025.
Like other cards on this list, it offers a 0% introductory APR for the first 15 months. After that, the APR varies between 19.49% and 28.24%.
Conclusion (Credit Card Rewards Programs)
The four options mentioned are excellent for those looking for a credit card rewards program. It’s important to remember that all of them can be applied for through the official websites of their respective companies.
As you can see, they all stand out primarily in terms of points programs, especially the American Express Gold, which currently offers a 90,000-point bonus. However, be mindful of the fees charged by banks they may seem low at first, but over time, they can become a significant expense.
Pro tip! Prioritize cards that offer more than just points. Look for those that provide discounts on flights, hotels, and car rentals. This way, your trip will be more enjoyable and economical!