Credit Cards

10 best rewards credit cards: enjoy better benefits in 2022

Find out the best rewards cards in the U.S., choose the one that fits your needs and goals, and enjoy cash back, insurance, miles, and more!

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by Aline Augusto

Published on 03/09/2022

Find out the best rewards cards for your needs

Cash back, points, miles, and more! Source: Adobe Stock.
Cash back, points, miles, and more! Source: Adobe Stock.

The list of best rewards cards is here! When you look for a credit card, you must consider its fees, rates, security features, and reviews. 

But, there is another factor you should consider, too: the rewards. Since you can even reduce your monthly bill with cash back received from rewards, this factor is essential when you choose a card.

Today, we will present to you the top 10 rewards cards in the U.S.

Keep reading to learn all about it and decide which meets your needs and goals best.

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The best rewards credit cards: 10 options!

Check out the list! Source: Pexels.
Check out the list! Source: Pexels.

It is not easy to choose the best credit card since there are so many options in the market. But today, we will help you out with a list of the best rewards cards!

Check it out!

SavorOne Rewards from Capital One

Let’s get started with a credit card that doesn’t charge an annual fee. This SavorOne Rewards featured by Capital One is one of the best.

You earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. The rewards don’t expire, and there is no limit for redemption.

Also, there is a welcome bonus of $200 cash once you spend $500 on purchases within the first three months from the account opening.

And it doesn’t end there. There is an introductory APR of 0% for 15 months on purchases and balance transfers. Furthermore, this card is excellent for those who love traveling and shopping worldwide since it doesn’t charge any foreign transaction fees.

At a glance, you get an Extended Warranty, Travel Accident Insurance, Complimentary Concierge Service, 24-hour Travel Assistance Services, protection, and security features.

Capital One SavorOne Cash Rewards credit card fundo branco

How to get a Capital One SavorOne Rewards?

Earn cash back on all purchases with Capital One SavorOne Rewards! See how to apply for it!

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Discover it® Cash Back

Another credit card with a $0 annual fee and a great introductory offer. You won’t pay APR for 18 months from the account opening.

The best of all is definitely the reward. You earn 5% cash back on everyday purchases at different places each quarter. And 1% cash back on all other purchases, automatically.

Moreover, with the Cashback Match program, you get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of the first year.

This card also provides you with outstanding customer service, including free access to FICO® Credit Score.

How do you get the Discover it Cashback card?

Do you think that the Discover it Cashback card can be a great fit for you? If so, keep reading our post about how to apply!

Citi® Double Cash Card

2% cash back on all purchases, 0% Intro APR for 18 months on balance transfers, no annual fee, and more. 

Also, no restrictions and no caps on the amount of cash back you can earn.

The rewards are flexible to redeem, and you get all protection, security, and support you need while being its customer.

How to apply Citi® Double Cash credit card

The Citi® Double Cash credit card provides you with cash back when you buy and when you pay. See how to apply for it!

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Discover it® Student Cash Back

Now, if you look for a credit card that accepts all credit types, even new to credit, this Discover card is a great option.

With a significant rate of rewards of 5% cash back, it doesn’t charge an annual fee, too. And it lives up to its name. This card is designed for students.

It offers an introductory APR of 0% for six months on purchases, and a Cashback Match program, which matches and doubles your rewards in the first year.

Discover it® Student Cash Back credit card com estampa colorido fundo branco

How to apply for a Discover it® Student Cash Back?

Discover it® Student Cash Back card is great for students with poor credit history, and it offers rewards and no annual fee. See how to apply!

Chase Sapphire Preferred® Card

Earn rewards with these credit cards! Source: Adobe Stock.
Earn rewards with these credit cards! Source: Adobe Stock.

If you travel a lot, you will love this card. Although it charges a $95 annual fee, this Chase card offers a generous welcome bonus and a high rate of rewards in many categories.

Plus, you get several travel benefits like travel & purchase coverage, no foreign transaction fees, 1 per 1 point transfer to hotel & airline partners.

How do you get the Chase Sapphire Preferred card?

Do you love traveling and dining? Then you must want the Chase Sapphire Preferred card. Read more to know how to get this great travel card!

Citi®/AAdvantage® Executive World Elite Mastercard®

On the other hand, if you want travel points with many privileges, let me introduce this Citi executive card to you.

The package of benefits justifies the high annual fee of $450. 

You get not only a massive welcome offer but also an Admirals Club® membership. So, you enjoy priority check-in and priority airport screening, 25% savings on inflight food and beverage purchases on American Airlines flights, 2 miles for every $1 spent on eligible American Airlines purchases, 1 Loyalty Point for every 1 eligible mile earned from purchases, and much more.

Delta SkyMiles® Gold American Express Card

This one is gold – one more credit card for those who love traveling and rewards.

You can earn 2X miles on dining, 2X miles on groceries, 2X miles on Delta purchases, and 1X miles on all other eligible purchases.

In addition, the welcome bonus is fantastic, and the annual fee is waived in the first year. Plus, you get some exclusive access and privileges and an American Express package of benefits like Car Rental Loss and Damage Insurance, global assistance, fraud protection, extended warranty, and much more.

Delta SkyMiles® Gold American Express credit card

How to get a Delta SkyMiles® Gold American Express

Get the best traveling experience with Delta SkyMiles® Gold American Express credit card! Check out how to apply!

Blue Cash Preferred® Card

With this card, you won’t pay an annual fee in the first year. Also, there is an introductory APR on purchases for 12 months from account opening.

Besides the outstanding welcome bonus, you earn 6% cash back at U.S. supermarkets, 6% cash back on Select U.S. Streaming Subscriptions, 3% cash back on transit, U.S. Gas Stations, and 1% cash back on all other purchases.

Furthermore, you get the complete AMEX package of benefits, including fraud protection, Amex Send & Split™, the Pay It Plan It® program, and more.

How do you get the Blue Cash Preferred card?

The Blue Cash Preferred card is an amazing option for everyday spending. Read more to know how to apply for this great rewarding card!

Chase Freedom Flex℠

Another Chase card full of rewards and benefits. This one features a $200 bonus plus a 5% gas station cash back offer, cash back on all other purchases, and 0% intro APR for 15 months from the account opening.

Also, there is no annual fee, and the rewards don’t expire.

How to apply for Chase Freedom Flex℠ card?

The Chase Freedom Flex℠ credit card is a good choice if you want a flexible cash back reward program. See how to apply for it now!

Discover it® Secured Credit Card

Finally, if you need to rebuild credit, a secured card is here for you. This Discover offers unusual cash back rewards for a secured card, there is no annual fee, and you can follow your credit score through one free access to FICO every month.

Although the rewards are capped, you also get access to Cashback Match™ program in the first year.

Discover it Secured card

How do you get the Discover it Secured card?

Do you have a low credit score and need a credit card? The Discover It Secured can be a great fit for you! Read more to know how to apply!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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