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Some cards are from Credible partners.

In order to choose the best rewards credit card, you need to first figure out what you’re looking to get out of it. But narrowing down the best cards, out of the hundreds out there, is no small feat. Don’t worry — we’ve done the hard work for you.

We compared a variety of different cards, evaluating them based on their annual fees, APRs, Credible Rewards Points Value and other details, to bring you some of the best rewards credit card of 2018.

Best rewards cards

Best for low APR

Citi® Double Cash Card – 18 month BT offer

Apply Now

on Citibank's website

Summary

The Citi® Double Cash card offers a low-interest way for cardholders to earn rewards on all their purchases, with no limits or categories.

Offering 0% introductory APR on purchases and balance transfers for 18 months, the Citi® Double Cash card will earn you 1% cash back on every purchase you make, plus an additional 1% cash back when you pay your bill, all with no annual fee.

Get it

If you’re looking for a card that allows you to earn 2% cash back on all your purchases and offers flexible redemption options, the Citi® Double Cash card might be worth looking into.

Key highlights

  • Earn 2% cash back on all your spending (1% unlimited on all your purchases and an additional 1% when you pay off those purchases)
  • Redeem cash back in a number of different ways, including checks, statement credits, or gift cards, once you accrue at least $25 in rewards
  • No annual fee

Skip it

Unlimited cash back is great, but any rewards you earn with the Citi® Double Cash will expire if you haven’t earned any cash back for purchases or payments for 12 months, so you have to make sure you use your card regularly to reap its benefits. There’s also no opportunity to boost your rewards earning rate — you’re limited to 2% cash back.

The Citi® Double Cash card is a great card for cardholders looking to earn unlimited cash back without having to think too much about it.

Best rewards cards

Best for fixed value rewards

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now

on Barclaycard's website

Summary

A fixed rewards rate of 2X points on every purchase you make, plus 40,000 bonus miles, after you spend $3,000 in the first 90 days makes the Arrival Plus® a hard rewards card to beat.

That’s not all — the Arrival Plus will also reward you for redeeming your points, offering a 5% miles redemption bonus every time you cash in. You can also use your points to cover travel related expenses, including ticket fees and Airbnb stays.

Get it:

Busy travelers who want a credit card that offers them a high travel rewards rate will want to seriously consider the Barclaycard Arrival Plus®, especially considering that Barclay will waive its annual fee for the first year.

Key highlights

  • 2x points for every $1 you spend on any purchase
  • 40,000 bonus points when you spend $3,000 on purchases within 90 days of opening the account
  • No annual fee in the first year ($89 per year for subsequent years)

Skip it

While the Arrival Plus® does offer cardholders multiple options for redeeming their points, the redemption process can be a bit confusing. Miles can only be used for travel statement credits (which you can subsequently use against travel purchases), gift cards and merchandise. So if you like to earn miles that you can transfer to airline and hotel loyalty programs or be used directly against travel related purchases, you may want to look elsewhere.

 

 

Best rewards cards

Best for travel, dining, and entertainment spending

Citi ThankYou® Premier Card

Apply Now

on Citibank's website

Summary

The Citi Thankyou® Premier earns you 3X points on travel purchases and 2X points on dining out and entertainment.

Get it

If the bulk of your purchases are related to travel (airlines, hotels), dining out, or entertainment (concerts, theatre shows), the Citi Thankyou® Premier is hard to beat.

Key highlights

  • Earn 3X points on Travel, 2X on Dining Out and Entertainment, and 1X on all other purchases
  • Points do not expire, and there is no limit to how many you can accrue. In addition, they are worth 25% more when redeemed for airfare through the ThankYou® Travel Center

Skip it

The Citi Thankyou® Premier card is great if you spend your money on the categories that it rewards you most for — travel, dining or entertainment. But if you want a card that earns you more general rewards, or earns you cash back, it might not be the best fit for you.

 

Best rewards cards

Best for airline specific rewards

This offer is not currently available

This may be because the issuer is no longer offering this card or promotion. Check out similar cards below.

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