Best Credit Card Offers

December 2024

Every month we share what we believe are the top credit card offers on the market according to the 10xT staff. Today we are going to take a look at the best credit card offers for the month.

We rank these offers by looking at their welcome offers or signup bonuses, cardholder perks, ongoing value, and any fees they may charge. And while the best offer for you will vary depending on a number of factors, we rank the top offers based on the order in which we think they should be considered by the average person.

We divide these top credit offers in to two lists, one for those of you who are over 5/24 and one for those of you who are under.

You can also view our favorite card choices by category by seeing our favorite picks for airline credit cards, hotel credit cards, travel credit cards, cash back credit cards, and business cards.

Advertiser Disclosure

10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Best Credit Cards Under 5/24


Current Offer

60,000

bonus points

after $4,000 in purchases in your first 3 months from account opening.


Annual Fee:
$95

Terms Apply.


5x

5X points on travel booked through the Chase Travel℠

3x

3X points on restaurants, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). Note this also excludes in-store grocery purchases.

2x

2X Ultimate Rewards points on all other travel purchases outside of the Chase Travel℠

1x

1 point per dollar spent on all other purchases.

10%

10% Ultimate Rewards point bonus annually based on your card spending, earned after you renew and pay your annual fee


The Chase Sapphire Preferred® Card is our top choice because of its amazing signup bonus, reasonable annual fee, and the amazing value of the points it earns. If you're looking for your first travel credit card look no further than Chase Sapphire Preferred.

Enjoy new benefits such as a $50 annual Chase Travel℠ Hotel Credit, 5X points on travel purchased through Chase Travel℠, 3X points on dining and 2X points on all other travel purchases, plus more.



Current Offer

Earn $750

bonus cash back

after you spend $6,000 on purchases in the first 3 months from account opening


Annual Fee:
$0

Terms Apply.


1.5%

Earn unlimited 1.5% Cash Back rewards on every purchase


The Chase Ink Business Unlimited® Credit Card comes with a welcome bonus that is marketed as “cash”. These points can be used for higher value travel redemptions if you have another Chase Ultimate Rewards card.



Current Offer

90,000

bonus points

after you spend $8,000 on purchases in the first 3 months after account opening.


Annual Fee:
$95

Terms Apply.


3x

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.

1x

Earn 1 point per $1 on all other purchases, with no limit.


The Chase Ink Preferred® Credit Card earns the exact same points as the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. It comes with a substantial bonus, the highest of all the UR cards. Ink Preferred is a business card, but you don’t need to own a “traditional business” to qualify for the card. Email bryce@10xTravel.com if you have any questions about your particular situation.



Current Offer

Earn $350

bonus cash back when you spend $3,000 on purchases

in the first three months and additional $400 when you spend $6,000 on purchases in the first six months after account opening


Annual Fee:
$0

Terms Apply.


5%

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

2%

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

1%

Earn 1% cash back on all other purchases, with no limit on how much you can earn


The Chase Ink Business Cash® Credit Card comes with a points welcome bonus that is often marketed as “cash”. Note that if you have another Chase Ultimate Rewards card you can combine these points to be used for travel.



Current Offer

140,000

Bonus Points

after spending $4,000 on purchases in the first 3 months from account opening.


Annual Fee:
$99

Terms Apply.


26X

Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts

5X

Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants

3X

Earn 3 points per $1 spent on all other purchases


This card presents an opportunity for loyal IHG travelers who are business owners to earn points and receive additional perks related to IHG, all for a relatively low annual fee when compared to other comparable card offers. Though the points earned from this card would be considered to be less flexible than some other options, it is still well worth considering for anyone who is eligible to get it.



Current Offer

140,000

Bonus Points

after spending $3,000 on purchases in the first 3 months from account opening.


Annual Fee:
$99

Terms Apply.


26x

Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts

5x

Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.

3x

Earn 3 points per $1 spent on all other purchases.


One of the better co-brand hotel cards on the market, that comes with an opportunity to earn a good stash of IHG points.



Current Offer

60,000

bonus points

after you spend $4,000 in 3 months


Annual Fee:
$550

Terms Apply.


10x

Earn 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ after spending $300 on travel each year.

10x

Earn 10x total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join virtual cooking events.

5x

Earn 5X total points on flights when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

3x

Earn 3x points on other travel worldwide, after the first $300 is spent on travel purchases annually.

3x

Earn 3X points on dining at restaurants including eligible delivery services, takeout and dining out.

1x

Earn 1 point per $1 spent on all other purchases


Chase Sapphire Reserve® is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.



Current Offer

80,000

bonus points

after you spend $5,000 on purchases in the first 3 months from account opening.


Annual Fee:
$199

Terms Apply.


4x

Earn 4x points on all Southwest® purchases

3x

Earn 3X points on Rapid Rewards® hotel and car rental partners

2x

Earn 2x points on social media and search engine advertising spend

2x

Earn 2x points on all internet, cable and phone spend

2x

Earn 2x points on rideshare


The Southwest Rapid Rewards® Performance Business card is a great grab for anyone who can qualify. Note that this card does not currently exclude Southwest Rapid Rewards Priority Business Card holders from getting it.



Current Offer

90,000

Bonus Miles

after you spend $5,000 on purchases in the first 3 months from account opening. Limited time offer.


Annual Fee:
$525

Terms Apply.


4x

miles on United® purchases

2x

miles on all other travel and dining

1x

mile on all other purchases


Enjoy membership to the United Club. Earn 4x miles on United® purchases, 2x miles on all other travel and dining and 1x mile on all other purchases.



Current Offer

75,000

Bonus Miles

after you spend $5,000 on purchases in the first 3 months your account is open.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply.


2x

2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.

1x

1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.


Overall a good option for business owners who are loyal to United Airlines thanks to a reasonable annual fee and great perks. Note that you are not eligible for this card if you have received a bonus on the United℠ Business Card in the past 24 months.



Current Offer

Limited-time Offer: Earn 70,000

Bonus Miles

and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.


Annual Fee:
$250

Terms Apply.


3X

miles on United® purchases

2X

miles on all other travel, dining, and select streaming services

1X

mile on all other purchases


The Chase United Quest℠ Card is a good card for those of you looking for a good card to hold long-term. If you fly United often, some of the perks easily help offset the annual fee. But if you’re more likely to use the points for Star Alliance partner flights then you’re still getting a nice bonus for a relatively modest annual fee.



Current Offer

60,000

Bonus Miles

after you spend $3,000 on purchases in the first 3 months your account is open. Limited time offer.


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


2x

2 miles on United® purchases, dining, and hotel stays

1x

mile on all other purchases


Overall a very typical airline co-brand credit card, the United Explorer comes with one free checked bag when flying United (must purchase the flight with the card), 2x miles on United® purchases, dining, and hotel stays and 1x mile on all other purchases,



Current Offer

Earn 3 Free Night Awards (each night valued up to 50,000 points)

after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!


Annual Fee:
$95

Terms Apply.


17X

Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card

3x

Earn 3 Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

2x

Earn 2 bonus points per $1 on all other purchases


The Marriott Bonvoy Boundless® Credit Card card is one of the better hotel cards on the market thanks to its generous signup bonus and annual free night certificate. Keep in mind that you are not eligible to receive this bonus if you have received a bonus on another Marriott Bonvoy branded credit card in the last 24 months.



Current Offer

60,000

Bonus Points

after you spend $5,000 on purchases in your first 3 months from account opening


Annual Fee:
$199

Terms Apply.


9x

up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member

2x

2 Bonus Points per $1 spent in your top three spend categories each quarter

2x

per $1 spent at fitness clubs and gym memberships

1x

per $1 spent on all other purchases


The World of Hyatt Business Credit Card is a great option for business owners who are looking to earn rewards and perks with Hyatt. This card has a reasonable annual fee and comes with a handful of perks and credits that should more than justify that fee for most cardholders.



Current Offer

60,000

bonus points

after you spend $3,000 on purchases in the first 3 months from account opening.


Annual Fee:
$99

Terms Apply.


3x

Earn 3x points on all Southwest Airlines® purchases

2x

Earn 2x points on Rapid Rewards® hotel and car rental partners.

2x

Earn 2x points on rideshares

1x

Earn 1x points on all other purchases


An excellent choice for business owners who frequently travel on Southwest. This card is often paired with one of the personal Southwest cards to earn the coveted Southwest Companion Pass.



Current Offer

75,000

Avios

after you spend $5,000 on purchases within the first three months of account opening.


Annual Fee:
$95

Terms Apply.


3x

Earn 3 Avios for every $1 spent on purchases with British Airways, Aer Lingus, Iberia and LEVEL.

2x

Earn 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel.

1x

Earn 1 Avios for every $1 spent on everything else.


The play with British Airways miles is to use them for short distance flights on American Airlines and other OneWorld carriers. British Airways uses a distance-based award chart, meaning you can find some flights for as little as 7,500 miles each way.

A recent example of my own; I was able to book a business class ticket from Capetown to Johannesburg (cash price ~$800) for just 12,750 Avios and ~$100 in taxes and fees.



Current Offer

75,000

Avios

after you spend $5,000 on purchases within the first three months of account opening


Annual Fee:
$95

Terms Apply.


3x

Earn 3 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and Level.

2x

Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

1x

Earn 1 Avios per $1 spent on all other purchases.


A typical airline co-brand card, but with a twist. Aer Lingus is an international carrier so the perks of this card won't be all that valuable to most U.S. residents. Note that the Avios used on this card can also be easily redeemed with British Airways and Iberia.



Current Offer

75,000

Avios

after you spend $5,000 on purchases within the first three months of account opening


Annual Fee:
$95

Terms Apply.


3x

Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and Level.

2x

Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

1x

Earn 1 Avios per $1 spent on all other purchases.


A typical cobrand airline card, decent for anyone who is looking to earn Iberia miles though these are a less popular option than most US-based airline miles.



Current Offer

Earn a $400 statement credit and 40,000

Bonus Points

after spending $3,000 on purchases in the first 4 months from account opening.


Annual Fee:
$149

Terms Apply.


3x

Earn 3x points on all Southwest® purchases

2x

Earn 2x points on local transit and commuting, rideshares, internet, cable, and phone services; select streaming.

1x

Earn 1x points on all other purchases


The Southwest Rapid Rewards® Priority Credit Card is one of three personal Southwest credit cards offered by Chase. The Priority card has the highest annual fee of the 3 and the best overall perks. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.



Current Offer

Earn a $400 statement credit and 40,000

Bonus Points

after spending $3,000 on purchases in the first 4 months from account opening.


Annual Fee:
$69

Terms Apply.


2x

Earn 2x points on all Southwest® purchases

2x

Earn 2x points on local transit and commuting, rideshares, internet, cable, and phone services; select streaming.

1x

Earn 1x points on all other purchases


The Southwest Rapid Rewards® Plus Credit Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months. The Southwest Plus card has the lowest annual fee of the 3.



Current Offer

40,000

Bonus Points

and a $400 statement credit after spending $3,000 on purchases in the first 3 months from account opening. Offer ends 12/16/2024.


Annual Fee:
$99

Terms Apply.


3x

Earn 3x points on all Southwest® purchases

2x

Earn 2x points on local transit and commuting, including rideshares, internet, cable, and phone services; select streaming.services

1x

Earn 1x points on all other purchases


The Southwest Rapid Rewards® Premier Credit Card is one of three personal Southwest credit cards offered by Chase. Note that you can only get one of the three at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.



Current Offer

Up to 100,000

bonus points

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.


Annual Fee:
$95

Terms Apply.


3X

Earn 3X points for every dollar spent on grocery stores

3X

Earn 3X points for every dollar spent on dining at restaurants including takeout and eligible delivery services

3X

Earn 3X points for every dollar spent on Air Canada directly

1X

Earn 1X point for each dollar spent on all other purchases

500 Bonus Points

Earn 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month


The Aeroplan® Credit Card is a good card for those looking to earn more miles to fly Star Alliance partners.



Current Offer

Up to 60,000

Bonus Points

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.


Annual Fee:
$95

Terms Apply.


Up to 9X

Bonus Points per $1 spent with Hyatt. Earn 4X bonus points from the card and up to 5 base points as a World of Hyatt member.

2x

Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.

1x

Earn 1 Bonus Point per $1 on everything else, 2X in the first 6 months up to the first $15,000 spent.


Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.



Current Offer

$1,000

Bonus Cash

after you spend $10,000 on purchases in the first 3 months from account opening.


Annual Fee:
$195

Terms Apply.


5%

Earn unlimited 5% total cash back on travel purchased through Chase Travel℠

2.5%

Earn unlimited 2.5% total cash back on purchases of $5,000 or more.

2%

Unlimited 2% cash back on all other business purchases


A premium cash back business card for Chase. It's good if you're looking to earn some cash back, but doesn't offer the ability to earn points that you can transfer to partners.



Current Offer

30,000

Bonus Points

after you spend $1,000 on purchases in the first 3 months from account opening.


Annual Fee:
$0

Terms Apply.


14X

Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card

2x

at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services

1x

Earn 1x Bonvoy points on all other purchases


A no-fee Marriott Bonvoy card good for budget-conscious travelers looking to earn Bonvoy points.



Current Offer

80,000

Bonus Points

after spending $2,000 on purchases within the first 3 months of account opening.


Annual Fee:
$0

Terms Apply.


17x

Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts

3x

Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants

2x

Earn 2 points per $1 spent on all other purchases


A pretty straightforward hotel co-brand card offers few perks but also does not have an annual fee. An OK choice for anyone who spends a significant amount of money at IHG properties.



Current Offer

Earn an additional 1.5% cash back on everything you buy

(on up to $20,000 spent in the first year) - worth up to $300 cash back!


Annual Fee:
$0

Terms Apply.


Enjoy 6.5% cash back on travel purchased through Chase Travel℠, the premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


The Chase Freedom Unlimited® is a fantastic cash back card with excellent spending categories and no annual fee. Ideally you pair this with a Chase Sapphire card so your points can be used for higher value travel redemptions.



Current Offer

$200

Bonus

after you spend $500 on purchases in your first 3 months from account opening


Annual Fee:
$0

Terms Apply.


5%

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories, which rotate each quarter (must activate)

5%

Earn 5% back on travel purchased through Chase Travel℠

3%

Earn 3% back on dining at restaurants, including takeout and eligible deliver services, and drugstore purchases

1%

Earn 1% back on all other purchases


A fantastic card from Chase mainly due to the incredible bonus categories. Keep in mind that you can combine these points with other Chase Ultimate Rewards to be used with transfer partners and booking travel through the Chase portal.


Best Credit Cards Above 5/24


Current Offer

75,000

Miles

once you spend $4,000 on purchases within 3 months from account opening


Annual Fee:
$95

Terms Apply.


5X

miles on hotels, vacation rentals and rental cars booked through Capital One Travel

2X

miles on all purchases


The Capital One Venture Rewards Credit Card is one of the most well-known cards in the travel space. Capital One recently introduced more than a dozen transfer partners, including Air Canada, Air France, Etihad, and Cathay Pacific. Points transfer to...



Current Offer

75,000

Venture Miles

after you spend $4,000 in purchases in the first 3 months.


Annual Fee:
$395

Terms Apply.


10X

On hotels and rental cars booked through Capital One Travel

5X

On flights and vacation rentals booked through Capital One Travel

2X

On all other purchases


There’s a lot to love about the Capital One Venture X Rewards Credit Card. Sure, it might be a glorified Capital One Venture Rewards Card, but it has some compelling credits to help justify it over its little brother. You...



Current Offer

75,000

bonus ThankYou® Points

after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. Limited time offer.


Annual Fee:
$95

Terms Apply. | Rates & Fees.


10X

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com

3X

Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations

1X

Earn 1 Point per $1 spent on all other purchases


This card is basically Citi’s version of the  Chase Sapphire Preferred® Card. The ThankYou Points can either be used to book travel (airfare, hotels, etc.) via the Citi Travel Center or transferred to any of Citi’s transfer partners, which include...



Current Offer

60,000

Membership Rewards® Points

after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$325

Terms Apply. | Rates & Fees.


4x

4x at restaurants up to $50,000 in purchases per calendar year, then 1x

4x

4x at U.S. supermarkets, on up to $25,000 per calendar year in purchases, then 1x

3x

3x for flights booked directly with airlines or on amextravel.com

1x

1x on other eligible purchases


The American Express® Gold Card shoots up the rankings this month thanks to an elevated welcome bonus! This is the highest welcome bonus we have seen on this card (publicly, anyway) for quite some time. Terms apply. Rates and fees....


Wells Fargo Autograph Journey Credit Card

Current Offer

60,000

Wells Fargo Rewards Points

after you spend $4,000 in the first 3 months


Annual Fee:
$95

Terms Apply.


5X

points on hotels

4X

points on airlines

3X

points on restaurants and other travel

1X

points on other purchases


The Wells Fargo Autograph Journey℠ Card is the newest credit card from Wells Fargo and with the announcement of this card came the announcement of transfer partners for both this card and the Wells Fargo Autograph℠ Card. That means there...



Current Offer

80,000

Membership Rewards® Points

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$695

Terms Apply. | Rates & Fees.


5X

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year (1x thereafter).

5X

5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

1x

Earn 1x Membership Rewards® Points on all other purchases.


Like the Chase Sapphire Reserve®, the Platinum Card from American Express is another example of a high-annual fee card that comes with a ton of great benefits. You will also want to check the Card Match tool to see if you are...



Current Offer

150,000

Membership Rewards® Points

after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership


Annual Fee:
$695

Terms Apply. | Rates & Fees.


5x

Earn Membership Rewards® Points on flights and prepaid hotels on amextravel.com

1.5x

Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

1x

Earn 1x Membership Rewards® Points on eligible purchases


The Business Platinum Card® by American Express is one of the premier business cards on the entire market, and for good reason. Like Chase Ultimate Rewards, American Express Membership Rewards are incredibly valuable because of their ability to be transferred...



Current Offer

100,000

Membership Rewards® Points

after spending $15,000 in the first 3 months. Terms apply.


Annual Fee:
$375

Terms Apply. | Rates & Fees.


4x

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

3x

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

1x

Earn 1x Membership Rewards® Points on all other purchases.


The real benefit of the American Express® Business Gold Card is the the fact that you earn 4x points on the two categories with the highest spending each billing cycle, automatically. These categories include U.S. purchases for advertising, U.S. gas...


capital one venture x business

Current Offer

150,000

Bonus Miles

after you spend $30,000 in the first 3 months


Annual Fee:
$395

Terms Apply.


10X

Earn 10X on hotels and rental cars booked through Capital One Travel

5X

Earn 5X on flights and vacation rentals booked through Capital One Travel

2X

Earn 2X miles on every purchase


Capital One has recently made its Venture X Business card available to the public, following its initial limited release through relationship managers. The card, formerly known as the Spark Travel Elite, offers an impressive welcome bonus of 150,000 Venture Miles...



Current Offer

75,000

bonus miles

after spending $5,000 in purchases within the first 5 months of account opening.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply.


2x

Earn 2 miles for every $1 spent on cable and satellite providers

2x

Earn 2 miles for every $1 spent on eligible American Airlines purchases

2x

Earn 2 miles for every $1 spent at gas stations

2x

Earn 2 miles for every $1 spent on select telecommunications merchants

2x

Earn 2 miles for every $1 spent on car rentals

1x

Earn 1 mile for every $1 spent on other purchases


A very typical co-brand business credit card, the CitiBusiness / AAdvantage Platinum Select Elite MasterCard comes with the usual perks of free checked bags, preferred boarding, etc. A good grab for loyal AA travelers.



Current Offer

175,000

Hilton Honors Bonus Points

after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025


Annual Fee:
$195

Terms Apply. | Rates & Fees.


12x

on eligible Hilton purchases.

5x

on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.


A great choice for business owners who find themselves staying at Hilton properties on a regular basis. This card comes with complimentary Hilton Honors™ Gold Status. Be careful, Hilton points are notoriously tricky for new folks. Still a decent grab...


Hilton Honors American Express Aspire Card

Current Offer

175,000

Bonus Points

after you spend $6,000 in the first 6 months. All information about The Hilton Honors American Express Aspire Card has been collected independently by 10xTravel. The Hilton Honors American Express Aspire is no longer available through 10xTravel.


Annual Fee:
$550

Terms Apply.


14x

Points per $1 spent on Hilton purchases

7x

Points per $1 spent on eligible airfare, car rentals, and U.S. restaurants

3x

Points per $1 on all other purchases


A great choice for frequent Hilton customers thanks to the 14x points at Hilton properties, Hilton Diamond Status, resort credits and more. Note that this card has a $550 annual fee though.



Current Offer

Earn 95,000

Marriott Bonvoy® bonus points

after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.


Annual Fee:
$650

Terms Apply. | Rates & Fees.


6x

Marriott Bonvoy® points for eligible purchases at hotels participating in Marriott Bonvoy® program

3x

Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines

2x

Marriott Bonvoy® points for every $1 spent on all other eligible purchases


This is still the best premium card option for loyal Marriott guests looking for card perks and a decent bonus, and included Platinum Elite status. These points can be used to book Marriott stays or transferred to 20+ airlines at...



Current Offer

Earn 3 Free Night Awards

after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.


Annual Fee:
$125

Terms Apply. | Rates & Fees.


6x

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

4x

Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

2x

2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases.


Easily the best business card for die-hard Marriott loyalists, the Marriott Bonvoy Business American Express card comes with a handful of benefits for a reasonable annual fee.  


Citi AAdvantage Platinum Elite Card Image

Current Offer

50,000

American Airlines AAdvantage® bonus miles

after spending $2,500 within the first 3 months of account opening.


Annual Fee:
$99 $0 for your first year, then $99.

Terms Apply.


2x

Earn 2 miles for every $1 spent at restaurants and gas stations

2x

Earn 2 miles for every $1 spent on eligible American Airlines purchases

1x

Earn 1 mile for every $1 spent on other purchases


Perhaps the most popular American Airlines branded card, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® comes with priority boarding, free checked bag, savings on in-flight purchases, and a nice bonus for new card holders.



Current Offer

85,000

Marriott Bonvoy® bonus points

after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.


Annual Fee:
$250

Terms Apply. | Rates & Fees.


6X

Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

4X

Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

2X

Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card.


This mid-tier Marriott Bonvoy credit card is great if you’re a Marriott loyalist, but don’t want to pay the steep annual fee of a more expensive card. For a lower annual fee you’ll have access to some good elite benefits,...



Current Offer

165,000

Hilton Honors Bonus Points

after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.


Annual Fee:
$150

Terms Apply. | Rates & Fees.


12x

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio

6x

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations

4X

Earn 4X Points for each dollar on U.S. Online Retail Purchases.

3x

Earn 3X Points for all other eligible purchases on your Card


Overall this card is great when compared to other Hilton offers but in the middle of the pack in the world of hotel cards. Remember, these are Hilton points we are talking about so don’t get too excited by the...



Current Offer

50,000

Bonus Miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23)

after you spend $3,000 in the first 90 days


Annual Fee:
$70

Terms Apply.


3X

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases

2X

Earn 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases


The Alaska Airlines Visa® Business Card is the business version of the Alaska card, provided by Bank of America. Alaska miles are valued by many travelers, so this is a good card to get if you’re eligible for business credit...



Current Offer

60,000

AAdvantage Bonus Miles

after making your first purchase and paying the $99 annual fee in full, both within the first 90 days.


Annual Fee:
$99

Terms Apply.


2x

AAdvantage Miles for every $1 spent with AA

1x

AAdvantage Miles on all other purchases


This card from Barclays is a good choice if you’re looking to earn American Airlines miles. The welcome offer on this is earned when you use the card even just one time and then pay the annual fee, which is...



Current Offer

50,000

Bonus Miles

after you spend $4,500 in the first 3 months


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


2x

Miles on every purchase

5x

Miles on hotels, vacation rentals and rental cars booked through Capital One Travel


Spark Miles is basically the business version of the Capital One Venture. The two cards earn the same exact points, which can be redeemed to do the exact same things. The points can transfer to a handful of airline partners...



Current Offer

75,000

bonus points

after spending $2,000 on purchases in the first 180 days


Annual Fee:
$75

Terms Apply.


6x

Earn 6 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.

4x

Earn 4 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®).

1x

Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!



Current Offer

$2,000

Cash Bonus

after you spend $30,000 in the first 3 months


Annual Fee:
$150

Terms Apply.


2%

Cash Back on every purchase

5%

Cash back on hotels and rental cars booked through Capital One Travel


Perhaps the best cash back card on the market for business owners thanks to a hefty bonus and great ongoing spend earnings. Business owners can use this card to earn a flat 2% cash back on every purchase with no...



Current Offer

$750

cash back

once you spend $7,500 in the first 3 months from account opening


Annual Fee:
$95 $0 for your first year, then $95.

Terms Apply.


2%

cash back on every purchase

5%

cash back on hotels and rental cars booked through Capital One Travel


This is a great cash back card for businesses that want a flat-rate approach, since the Capital One Spark Cash gives you 2% cash back on every purchase. Plus, if you wanted to book hotels or rental cars through Capital...



Current Offer

100,000

Hilton Honors Bonus Points

after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.


Annual Fee:
$0

Terms Apply. | Rates & Fees.


7x

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.

5x

Earn 5X Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

3x

Earn 3X Points for all other eligible purchases on your Card.


A very basic, no-fee Hilton card that comes with a handful of perks valuable to loyal Hilton travelers.



Current Offer

45,000

bonus points

after spending $2,000 on purchases in the first 180 days


Annual Fee:
$0

Terms Apply.


5x

Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.

2x

Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®).

1x

Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!



Current Offer

40,000

Membership Rewards® Points

after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. All information about the American Express® Green Card has been collected independently by 10xTravel.


Annual Fee:
$150

Terms Apply.


3x

Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.

3x

Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

3x

Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.

1x

Membership Rewards® points on all other transactions.


A good option for anyone looking to earn valuable American Express Membership Rewards Points without paying the larger annual fees on cards like the Platinum Card from American Express or the American Express Gold Card. This card is loaded with...



Current Offer

50,000

Bonus Points

After you spend $1,000 and pay the annual fee in full in 90 days.


Annual Fee:
$99

Terms Apply.


6x

Points per $1 spent on JetBlue purchases

2x

Points per $1 spent at restaurants on grocery stores

1x

Points per $1 spent on everything else


JetBlue’s cobranded credit card, issued by Barclays. Overall its an ok offer for loyal JetBlue customers but keep in mind that JetBlue does not service large portions of the USA and flies very few international routes. The spending rewards on...



Current Offer

60,000

Bonus Miles

plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you spend $3,000 in the first 90 days


Annual Fee:
$95

Terms Apply.


3x

Points per $1 spent on Alaska Airlines purchases

2x

Earn 2x miles for every $1 spent on eligible gas, EV charging station, local transit, rideshare, cable and select streaming services

1x

Points per $1 spent on everything else


A great airline card for loyal Alaska Airlines customers, the Alaska Airlines Visa Signature card offers a free checked bag for the cardholder when using the card to pay for flights, plus a free checked bag for up to six...



Current Offer

80,000

Bonus Miles

after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$650

Terms Apply. | Rates & Fees.


3x

Miles per $1 on Delta purchases.

1.5X

Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply

1x

Miles per $1 spent on all else


High fee, high perk credit card for business owners who frequently travel with Delta. This is one of a handful of Delta co-brand cards that were recently revamped by American Express.



Current Offer

70,000

Bonus Miles

after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$350

Terms Apply. | Rates & Fees.


3x

Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

3x

Earn 3 Miles on every eligible dollar spent on purchases made directly with hotels.

1.5x

Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

1x

Earn 1 Mile on every eligible dollar spent on other purchases.


Very typical business co-brand airline credit card but with a slant toward premium travelers. Free checked bags, 3x points on purchases with the airline, etc. Right now this card has generous welcome offer that is enough to encourage just about...



Current Offer

60,000

Bonus Miles

after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$150 $0 for your first year, then $150.

Terms Apply. | Rates & Fees.


2x

Earn 2x miles on Delta purchases.

2x

Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

2x

Earn 2x miles on every eligible dollar spent at restaurants.

1x

Earn 1x miles back on all other purchases


A very typical co-brand business card, the Delta SkyMiles Gold Business American Express Card comes with a modest annual fee (that is waived for the first year) as well as priority boarding and your first checked bag free. Overall this...



Current Offer

70,000

Bonus Miles

after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$650

Terms Apply. | Rates & Fees.


3x

Earn 3X Miles on Delta purchases.

1x

Earn 1X Mile on all other eligible purchases.


This is the most premium Delta co-brand credit card, coming with a hefty annual fee but a long list of benefits as well. This card gives you free limited access to Delta Sky Clubs when flying Delta and also free...



Current Offer

60,000

Bonus Miles

after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$350

Terms Apply. | Rates & Fees.


3x

Earn 3X Miles on Delta purchases and purchases made directly with hotels.

2x

Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.

1x

Earn 1X Miles on all other eligible purchases.


American Express recently refreshed all of their Delta card products, including the Delta SkyMiles Platinum Card. This is the more expensive version of this popular co-brand card that comes with a handful of perks to justify the higher annual fee....



Current Offer

50,000

Bonus Miles

$2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.


Annual Fee:
$150 $0 for your first year, then $150.

Terms Apply. | Rates & Fees.


2x

Earn 2x miles on Delta purchases

2x

Earn 2x miles on restaurants worldwide, including takeout and delivery in the U.S

2x

Earn 2x miles at U.S. supermarkets

1x

Earn 1x miles back on all other eligible purchases


This is one of the most popular airline credit cards on the market. It’s very difficult to tell you the value of this card bonus due to the unpredictability of Delta’s award redemptions. Delta does not have an award chart...



Current Offer

No current offer


Annual Fee:
$0

Terms Apply. | Rates & Fees.


3X

Earn 3X points on dining

2X

Earn 2X points on flights, hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies.

1X

Earn 1X point on other purchases

1X

Earn earn 1X rewards point per $1 spent on rent Payments without the transaction fee, up to 100,000 points in a calendar year. Use the card 5 times each statement period to earn points. Select Learn How To Apply to learn more about the product features, terms, and conditions.


The Bilt Mastercard is a good opportunity to earn points for paying rent, with a good number of transfer partners including Turkish, World of Hyatt and more. It isn’t the best card to go after if you’re under 5/24, but...


U.S. Bank Altitude Reserve Visa Infinite Card

Current Offer

50,000

Bonus Points

after you spend $4,500 in the first 90 days


Annual Fee:
$400

Terms Apply.


5x

Points per $1 spent on prepaid hotels and car rentals, booked directly in the Altitude Rewards Center

3x

Points per $1 spent on eligible travel purchases and mobile wallet spending

1x

Points per $1 spent on all other purchases


First thing to know: You have to be a U.S. Bank Customer to get this card. Which eliminates it for a lot of people. U.S. Bank’s Premium travel credit card, the Altitude Reserve comes with a handful of great perks...



Current Offer

15,000

Membership Rewards®

after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership


Annual Fee:
$0

Terms Apply. | Rates & Fees.


2x

Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year.

1x

Earn 1x on all purchases after that. Terms and limitations apply


A great everyday spender for business owners because of its 2x earning rate on all purchases up to $50,000 annually (1x thereafter). Ideal for non category spending to fill in the “gaps” left by other popular business credit cards



Current Offer

20,000

Bonus Miles

after you spend $500 in the first 3 months


Annual Fee:
$0

Terms Apply.


1.25

Miles per $1 spent on every purchase


This is the no-fee version of the popular Capital One Venture Card. Points are worth 1 cent each, making this bonus worth $200 toward travel. This card is ideal for those with lower monthly spending who can’t justify paying an...


Wells Fargo Autograph Credit Card

Current Offer

20,000

Wells Fargo Rewards Points

after you spend $1,000 in the first 3 months


Annual Fee:
$0

Terms Apply.


3X

points on restaurants and travel

3X

points on transit (subways, ride shares, parking, tolls, and more)

3X

points on gas stations and electric vehicle charging stations

3X

points on phone plans and popular streaming services

1X

points on other purchases


The Wells Fargo Autograph℠ Card launched in 2022, and although it had good earning rates on categories like restaurants and gas (3X points), these points were essentially issued as cash back. The new feature of being able to transfer points...


Travel Rewards Credit Cards

Frequently Asked Questions

Which is the best rewards credit card?

While it may not be the one you’re hoping for, the answer is “it depends.” There are numerous factors that can go into choosing a credit card, including your spending habits, your travel goals and even where you live, so the best option for you could differ completely from the best option for someone else. Here are a few things to keep in mind that can help you make your selection:

Business vs. personal: What will the purpose of your credit card be? Are you looking for something to use for personal expenses or for business purchases? Business credit cards are tailored to suit business owners, with bonuses on categories associated with running a business and perks to match. Personal credit cards, on the other hand, can be more rewarding for everyday purchases.

Your credit score: Before you dive into your research, it’s important to know your credit score so that you have an idea of what types of cards you might reasonably expect to get approved for. While the top rewards cards typically require stellar scores, there’s a range of great options out there no matter where your score currently stands. Using your new card responsibly can also help bolster your credit score, so you may be able to aim higher next time around.

Reward type: Are you looking for cash back that will go straight into your pocket? Trying to collect frequent flier miles to use with your favorite airline? Or are you interested in diving a bit deeper and focusing on transferable points that can unlock aspirational travel experiences? Deciding what you want to earn—and how much effort you want to put into redeeming your rewards for maximum value—is crucial to narrowing down the field. 

Bonus categories: Generally speaking, you’ll want to look for a card that earns bonus rewards on categories where you spend the most money. Foodies might be interested in cards that earn extra points or cash back at restaurants or grocery stores, for example, while van lifers may want to net bonus points on gas. No matter where most of your money goes, you’re likely to find a card (or cards) that will reward you on some of your top categories.

Other benefits: It’s not all about earning, though. The great thing about rewards credit cards is that many of them come with an array of other perks, which can include lounge access, hotel status or credits to use on everything from airline fees to food delivery. If you find a card has benefits that can save you money—and you know you can put them to good use—that may be reason enough to apply.

Annual fee: Of course, those benefits don’t (always) come free. For the most part, the most souped up cards also carry the highest annual fees. But that’s not to say there aren’t plenty of great cards out there with reasonable fees (or no fees at all!). And it’s also not to say that the high-priced cards can’t be well worth the money. It all depends on how much value you’ll get from the card and what you’re willing to pay for it.

Will taking out a rewards credit card hurt my credit score?

When used responsibly, credit cards actually help, rather than hurt, your credit score. Demonstrating over time that you can consistently make on-time payments is a great way to signal to lenders that you’re trustworthy and responsible.

That said, your credit score will see a temporary ding whenever you apply for a new card. Before you do, you’ll want to weigh any near-term moves you may be making that depend on your credit score—taking out a mortgage, for example.

How long should I keep my rewards credit card?

Credit card companies are getting stricter and stricter when it comes to cracking down on user behavior they classify as “gaming” the system, or opening and closing cards specifically to accrue sign-up bonuses. To keep yourself in good standing with banks, it’s important to plan on keeping a card for at least a year after you open it. If you’re picking a credit card that suits your needs, it’s likely you’ll want to keep it for much longer anyway!

Of course, card issuers are continually tweaking their products and rolling out new ones, so you may find that eventually the card you have isn’t the optimal one for you or your lifestyle. It’s also important to regularly audit your wallet to make sure you’re getting enough value out of the card or cards you do have to justify any annual fees.

If you do find that you’re ready to bid farewell to a card, we always recommend looking to downgrade a card before outright cancelling it. In general, the longer your lines of credit have been open, the better for your credit score, so cancelling can have implications there. Downgrading to no-fee card keeps the same line of credit up and running without you having to pay a dime.

How many rewards credit cards is too many? 

Once again, the important thing here is to avoid engaging in any behavior that might look risky to banks. Taking out multiple cards in a manner of months? That might raise some red flags.

On the other hand, if you’re using cards responsibly—spacing out applications by at least a few months, making all payments on time and keeping your cards open for at least a year—you can easily have a credit card tally into the teens and preserve an excellent credit score. In that case, it’s more about personal preference and how well you can keep track of them all!

While a hard and fast limit may not exist on how many cards you have overall, some issuers have started putting their own limits on how many of their cards you can hold at once or take out in a given time period. Chase has its infamous 5/24 rule—you’ll automatically be rejected for certain Chase cards you apply for if you’ve already taken out five cards from any issuer in the last 24 months—and American Express has a four-credit-cards-per-customer cap (and a 10-card limit for charge cards).

Is a rewards credit card worth the annual fee?

 Almost every rewards card out there will offer you more than enough value to offset the annual fee. Travel cards in particular tend to offer sign-up bonuses that are big enough to redeem for international flights, providing plenty of bang for your buck. Cards commonly also come with various perks and credits that can effectively knock hundreds of dollars off the fees you pay.

The question then, becomes whether you can—and will—actually use the perks and credits in order to offset those fees. For example, the $695 Platinum Card from American Express comes packed with benefits, including up to $200 in annual Uber savings (you must add your Platinum Card® to your Uber account, and then pay with any AMEX card), a $200 airline fee credit, a $100 hotel credit when booking through The Hotel Collection and $100 in annual Saks credits. Those credits alone add up to more than the annual fee, but if you don’t travel frequently, you might not be able to put them all to use.

It’s all a matter of finding the card that works best for you. We can all but guarantee that there’s a card out there that’ll be worth the fee in terms of what it nets you in rewards—and if not, there are plenty of lucrative offers for fee-free cards out there, too!

Do rewards cards carry high interest rates? 

Yes—and that’s one key reason we recommend only taking out a card whose balance you know you can pay off in full each month. While you’ll earn points or cash back from putting spend on the card, they won’t wind up outweighing what you’ll pay in interest if you carry a balance.