Best Personal Rewards Credit Cards

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By now, most consumers know they should only have a credit card that offers some kind of reward. Whether it’s a zero-interest card to pay off debt, a traveler’s credit card with points for airlines, hotels, and rental cars, or cash back and points cards that let you spend the rewards however you’d like, these personal rewards credit cards are a must-have for any savvy shopper.

So, what are the best personal rewards credit cards?

Our friends at SuperMoney compiled this list below with all the best offers currently featured on the web. It gets updated in real-time, so these are the best deals RIGHT NOW. They also include cards that have been ranked by consumers like you, so you know which ones didn’t deliver (and to avoid).


Best Travelers Credit Cards

The list above covers all kinds of interests, but if you love to travel, then our list below is for you.

Travelers all over the country are getting back on the road. So, while you plan your next trip and get excited about finally being able to go someplace international again, you’ll want to maximize your savings and points.

Here are the best travel reward credit cards in 2021.

American Express Gold Card

The American Express Gold Card is back in Rose Gold color! Along with this fun new look, you’ll get 60,000 welcome points after spending $4,000 in the first 6 months. Enjoy 4x points on restaurants worldwide and, even if you get the card while still in the US, you can enjoy 4x points on US supermarkets. And you can earn 3x points on plane tickets booked with airlines or on amextravel.com. For everything else, you’ll earn 1x points. The annual fee is $250, which isn’t the cheapest, but believe it or not, it’s not the most expensive either. Like all good travel cards, this card doesn’t charge a foreign transaction fee.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards card is versatile and easy to use. You get 60,000 welcome points after spending $3,000 within 3 months of opening the card. You’ll get 5x miles on hotels and rental cars if you book through Capital One Travel and 2x miles per dollar on all other purchases. There are a number of ways to use your points – get cashback, redeem them for credit or gift cards, use them for travel or even use them to get a discount on your Amazon purchases. The annual fee is $95 and there is no foreign transaction fee.

Chase Sapphire Reserve

The Chase Sapphire Reserve card comes with lots of perks, just make sure you take advantage of them all to offset the annual fee. To start, you’ll get 50,000 welcome points after spending $4,000 in the first 3 months. Earn 3x points on dining at restaurants, which includes delivery and takeout services. You can also get 3x on travel after earning a $300 in travel credit. You’ll get 1x points per $1 on everything else. The annual fee is $550, but along with the travel credit, you’ll get Priority Pass Lounge access and $60 DoorDash credit in 2021. Your points are worth 50% more if you pay yourself back or use them toward travel purchases, so use them wisely. And like the other cards, there’s no foreign transaction fee.

The Platinum Card American Express

The Platinum Card from American Express is similar to the Chase Sapphire Reserve card. It’s really front loaded. You get 75,000 welcome points after spending $6,000 in the first 6 months. And you’ll also get 10x points at US gas stations and grocery stores for the first 6 months only. After that, you’ll earn 1x points for most things.

With this card you’ll get the most points from travel related purchases. Get 5x on flights booked through the airline website or amextravel.com. Then get 5x on prepaid hotels booked through amextravel.com. Though the annual fee is $550, it comes with access to the Centurion Lounge, Delta Lounge or the Global Lounge Collection, whichever is available and open. To get to and from the airport, this card also gives you Uber VIP status and up to $200 Uber credits. Finally, there’s no foreign transaction fee.

Chase Sapphire Preferred

For a card that’s great for everyday and travel use, try the Chase Sapphire Preferred card. You get 60,000 bonus points after spending $4,000 in 3 months and 2x at restaurants, including delivery and takeout. You earn 2x points on up to $1,000 worth of groceries, all for a modest $95 annual fee. For those who are looking to dine-in while traveling, you get unlimited DoorDash deliveries for 1 year on all orders over $12. Points are worth 25% more if you pay yourself back or use them toward travel purchases. And once again, there is no foreign transaction fee.