Best Personal Credit Card Offers
October 2025
Every month we share what we believe are the top personal 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.
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. All values of Membership Rewards are assigned based on the assumption, experience and opinions of the 10xTravel team and represent an estimate and not an actual value of points. Estimated value is not a fixed value and may not be the typical value enjoyed by card members.
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
Earn 125,000
bonus points
after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee:
$795
Terms Apply.
8x
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4x
Earn 4x points on flights and hotels booked direct.
3x
Earn 3x points on dining worldwide.
1x
Earn 1x points 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
75,000
bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee:
$95
Terms Apply.
5x
Earn 5X points on travel booked through the Chase Travel℠
3x
Earn 3x on dining, select streaming services and online groceries.
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases
The Chase Sapphire Preferred® Card is in our top choices 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 on dining, select streaming services and online groceries and 2X points on all other travel purchases, plus more.
Current Offer
Earn 50,000
bonus points
after spending $1,000 on purchases in the first 3 months from account opening.
Annual Fee:
$229
Terms Apply.
4x
Earn 4x points on all Southwest® purchases
2x
Earn 2x points on local transit and commuting, rideshares, internet, cable, and phone services; select streaming (until Dec 31, 2025)
1x
Earn 1x points on all other purchases
2x
Earn 2x points at gas stations and restaurants
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 50,000
bonus points
after spending $1,000 on purchases in the first 3 months from account opening.
Annual Fee:
$99
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 (until Dec 31, 2025)
2x
Earn 2x points at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
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
50,000
Bonus Points
after you spend $1,000 on purchases in the first 5 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, including rideshares, internet, cable, and phone services; select streaming services (until Dec 31, 2025)
2x
Earn 2x points at gas stations and grocery stores on the first $8,000 in combined purchases per anniversary year
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
Limited Time Offer! Earn 165,000
Bonus Points
after spending $3,000 on purchases in the first 3 months from account opening. Offer ends at 9 AM EST on 10/23/2025
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
Earn 70,000 bonus miles
bonus miles
and 1,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Annual Fee:
$350
Terms Apply.
3X
miles on United® purchases
2X
miles on dining, select streaming services, and all other travel
1X
mile on all other purchases
The New 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.
Annual Fee:
$150
$0 for your first year, then $150.
Terms Apply.
2x
miles on United® purchases, dining, and hotel stays when booked with the hotel
1x
mile on all other purchases
Overall a very typical airline co-brand credit card, the The New United℠ Explorer Card 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 when booked with the hotel and 1x mile on all other purchases,
Current Offer
Earn 80,000
Bonus Miles
after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee:
$695
Terms Apply.
4x
miles on United® purchases
2x
miles on dining and all other travel
1x
mile on all other purchases
Enjoy membership to the United Club℠. Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on dining and all other travel and 1 mile per $1 spent on all other purchases. The card also comes with Global Entry or TSA PreCheck Fee Credit.
Current Offer
Earn 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
Earn 125,000
Bonus Points + 1 Free Night Award
after spending $3,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless® Credit Card. Free Night Award valued up to 50,000 points. Certain hotels have resort fees.
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 3X points per $1 on the first $6,000 spent in combined purchases annually 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
Limited-Time Offer: Earn 85,000
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.
This card might not make sense for everyone's credit card strategy, but one of the benefits of having this card is that it's a great way to ensure that your Avios don't expire. If you use the card at least once every 36 months, your Avios won't expire.
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 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. Plus, earn 2 total Tier-Qualifying Night Credits per eligible night at any Hyatt hotel or resort completed between October 16, 2025 and January 31, 2026, for up to 15 tier-qualifying nights with this offer. Apply by November 20, 2025.
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.
Current Offer
Limited Time Offer! Earn 60,000
Bonus Points
after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card!
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
for every $1 spent 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
Limited Time Offer! Earn 2 Free Nights
+ 40,000 Bonus Points
after spending $2,000 on purchases within the first 3 months of account opening. Offer ends at 9 AM EST on 10/23/2025
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
$200
Bonus
after you spend $500 on purchases in your first 3 months from account opening
Annual Fee:
$0
Terms Apply.
Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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, equal to $750 in travel.
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 has more than a dozen transfer partners, including Air Canada, Air France, Etihad, and Cathay Pacific. Points transfer to most...
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's travel booking site
5X
On flights and vacation rentals booked through Capital One's travel booking site
2X
On all other purchases
There’s a lot to love about the Capital One Venture X Rewards Credit Card. Although it has a $395 annual fee, it comes with benefits like a $300 credit for travel booked through Capital One’s travel booking site plus a...
Current Offer
Earn 60,000
bonus ThankYou® Points
after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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
Citi is an advertising partner. 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 Citi Travel or transferred to any of Citi’s transfer...
Current Offer
80,000
Bonus points
and a $99 Companion Fare, after spending $4,000 or more on purchases within the first 120 days after account opening.
Annual Fee:
$95
Terms Apply.
3x
Points per $1 spent on Alaska Airlines purchases and Hawaiian Airlines purchases
2x
Points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including rideshare) purchases
1x
Points per $1 spent on all other purchases
A great airline card for loyal Alaska Airlines customers, the Atmos™ Rewards Ascent 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...
Current Offer
Earn 50,000
American Airlines AAdvantage® bonus miles
after spending $2,500 in purchases within the first 3 months of account opening.
Annual Fee:
$99
$99, waived for the first 12 months
Terms Apply. | Rates & Fees.
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
Citi is an advertising partner. The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has earned its status as the most popular American Airlines co-branded card by striking an ideal balance between valuable travel benefits and a reasonable annual fee....
Current Offer
You may be eligible for as high as 100,000
Membership Rewards® Points
after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
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 Amex Gold card is a top option for those wanting to earn on typical everyday expenses and you’re not very likely to find a card that earns as much on dining and restaurant purchases as the Amex Gold. It’s...
Current Offer
For a limited time, earn 100,000
Bonus Points
after spending $6,000 in the first 3 months of account opening
Annual Fee:
$595
Terms Apply. | Rates & Fees.
12X
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
6X
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
1.5X
Earn 1.5 Points per $1 spent on All Other Purchases
Citi is an advertising partner This card is basically a premium version of the Citi Strata Premier® Card. The ThankYou Points can either be used to book travel (airfare, hotels, etc.) via Citi Travel® or transferred to any of Citi’s...
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
You may be eligible for as high as 175,000
Membership Rewards® Points
after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Annual Fee:
$895
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.
American Express Platinum Card® represents the pinnacle of premium travel rewards cards, offering exceptional benefits that justify its substantial annual fee for frequent travelers. Cardholders earn an impressive 5X Membership Rewards points on flights booked directly with airlines or through...
Current Offer
155,000
Hilton Honors Bonus Points
after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
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
The Hilton Honors American Express Surpass® Card occupies a valuable middle ground in the Hilton card lineup, offering enhanced benefits at a reasonable annual fee. Cardholders earn a generous 12X Hilton Honors Bonus Points per dollar on purchases made directly...
Current Offer
175,000
Hilton Honors Bonus Points
after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
Annual Fee:
$550
Terms Apply.
14x
Points per $1 spent on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
7x
Points per $1 spent on eligible airfare, car rentals, and U.S. restaurants
3x
Points per $1 on all other purchases
The Hilton Honors American Express Aspire Card offers exceptional value for travelers with its generous rewards structure. Cardholders earn an impressive 14X points per dollar on Hilton purchases, 7X points on eligible airfare, car rentals, and U.S. restaurants, and 3X...
Current Offer
Earn 100,000
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 each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
3x
points at restaurants worldwide and on flights booked directly with airlines.
2x
points 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. This card comes with a hefty annual fee but also a ton of perks. The...
Current Offer
Earn 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
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 co-branded Marriott card. For a lower annual fee you’ll have access to some good...
Current Offer
50,000
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
45,000
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!
The Wyndham Rewards Earner® Plus Card offers enhanced benefits for regular Wyndham guests, justifying its modest annual fee with its earning rates and status perks. Cardholders earn an impressive 6 points per dollar on Wyndham hotel stays and gas purchases,...
Current Offer
Earn 70,000
American Airlines AAdvantage® bonus miles
after spending $7,000 in purchases within the first 3 months of account opening.
Annual Fee:
$595
Terms Apply. | Rates & Fees.
10x
Earn 10 AAdvantage® miles for every $1 spent on eligible car rentals booked through aa.com/cars
10x
Earn 10 AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels
4x
Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5x after spending $150,000 on the card in a year)
1x
Earn 1 mile for every $1 spent on other purchases
Citi is an advertising partner. The Citi® / AAdvantage® Executive World Elite Mastercard® stands as a premium travel card designed specifically for dedicated American Airlines flyers. The rewards structure is impressively tiered, offering 10 AAdvantage® miles per dollar on car...
Current Offer
100,000
Hilton Honors Bonus Points with the Hilton Honors American Express Card
after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
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.
The Hilton Honors American Express Card delivers solid value for Hilton travelers without requiring an annual fee. Cardholders earn 7X Hilton Honors Bonus Points per dollar on purchases made directly with Hilton hotels and resorts, 5X points per dollar at...
Current Offer
For a limited time, earn 30,000
Bonus Points
after spending $1,000 in the first 3 months of account opening.
Annual Fee:
$0
Terms Apply. | Rates & Fees.
3X
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
5X
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com
3X
Earn 3 ThankYou® Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations
2X
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Citi is an advertising partner. This card is basically a no annual fee version of the Citi Strata Premier® Card , but with limited 3X categories and a foreign transaction fee. The ThankYou Points can either be used to book...
Current Offer
30,000
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!
The Wyndham Rewards Earner® Card offers impressive value for travelers who stay at Wyndham properties, particularly as a no-annual-fee option. Cardholders earn a generous 5 points per dollar on both Wyndham hotel stays and qualifying gas purchases, making it especially...
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.
The American Express® Green Card is a good option for anyone looking to earn valuable American Express Membership Rewards Points without paying the larger annual fees on cards like American Express Platinum Card® or the American Express® Gold Card. This...
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
The JetBlue Plus Card offers targeted benefits for travelers loyal to JetBlue. While the card provides enhanced earning rates with 6X points per dollar spent on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all...
Current Offer
100,000
bonus points
and a 25,000-point Global Companion Award after spending $6,000 or more on purchases within the first 90 days after account opening
Annual Fee:
$395
Terms Apply.
3X
points per $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases
1X
point per $1 spent on all other purchases
The Atmos™ Rewards Summit Visa Infinite® Card is Alaska Airlines’ newest credit card, a premium travel card designed for travelers who want to maximize their Alaska Airlines miles and enjoy enhanced travel perks. Cardholders can earn a 25,000-point Global Companion...
Current Offer
125,000
Bonus Miles
after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Annual Fee:
$650
Terms Apply. | Rates & Fees.
3x
Earn 3X Miles on Delta purchases.
1x
Earn 1X Mile on all other eligible purchases.
The Delta SkyMiles® Reserve American Express Card is the most premium offering in Delta’s co-branded credit card family. This card has a substantial annual fee, yet it’s balanced by an extensive array of premium benefits. For frequent Delta travelers, the...
Current Offer
90,000
Bonus Miles
after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
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.
The Delta SkyMiles® Platinum American Express Card stands out as an optimal choice for frequent Delta flyers seeking premium travel benefits with manageable costs. The card’s centerpiece benefit is the annual Delta Companion Certificate for Main Cabin round-trip flights (valid...
Current Offer
80,000
Bonus Miles
after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Annual Fee:
$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
The Delta SkyMiles® Gold American Express Card has established itself as a sought-after airline credit card, offering a mix of travel benefits and everyday rewards. Enjoy your first checked bag free on Delta flights and save up to $70 per...
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 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, up to 100, 000 points in a calendar year, with a good number of transfer partners including Turkish Airlines, World of Hyatt and more. With BiltProtect, you...
Current Offer
LIMITED-TIME OFFER: Earn $300 in travel bonuses.
Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles
once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel
Annual Fee:
$0
Terms Apply.
1.25X
Earn 1.25X on every purchase
5X
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
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...
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...
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.
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.