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Best rewards credit card? Readers vote Bank of America Premium Rewards

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Winning card offers a 50,000-point signup bonus

A solid rewards credit card offers users greater flexibility on how they earn and redeem points – no need to fly the same airline, stay in the same hotel chain or rent from the same car company on every trip. We asked a panel of miles-and-points experts to tell us their favorite general rewards credit cards, and our readers voted for the winners.

  • Bank of America Premium Rewards

    With the Bank of America Premium Rewards Credit Card, cardholders earn 50,000 bonus points with eligible purchases, unlimited two points per dollar spent on travel and dining and 1.5 points per dollar on everything else. Other perks include a $200 travel statement credit, travel insurance protections and no foreign transaction fees.
    Photo courtesy of Bank of America

  • Chase Sapphire Reserve

    A popular option since its introduction in late 2016, the Chase Sapphire Reserve offers a 50,000-point sign-up bonus, plus a $300 annual travel credit, Global Entry fee waiver, no foreign transaction fees and three points per dollar spent on travel and restaurants worldwide (one point per dollar on everything else).
    Photo courtesy of Chase

  • Chase Freedom

    Chase Freedom's rotating cash back program means that with a little planning, cardholders can score big Ultimate Rewards points. Each quarter offers the chance to earn five percent cash back in bonus categories and one percent on everything else. There's also a $200 sign-up bonus and no annual fees.
    Photo courtesy of Chase

  • Chase Freedom Unlimited

    Chase Freedom Unlimited card carriers earn 1.5-percent cash back on all purchases, automatically. There's no annual fee, and the card comes with a $200 cash back bonus offer with $500 of purchases in the first three months. 
    Photo courtesy of Chase

  • Chase Sapphire Preferred

    Chase Sapphire Preferred offers perks like a 60,000-point sign-up bonus, no foreign transaction fees and the chance to earn two points per dollar spent on travel and restaurants, and one point per dollar spent everywhere else. Points can be converted one-to-one with several loyalty programs, including United and Southwest.
    Photo courtesy of Chase

  • Discover it Cash Back

    Discover it cardholders earn five percent cash back on rotating categories like gas stations, Amazon.com, restaurants and wholesale clubs, plus one percent back on all other purchases. Discover matches the cash back you've earned at the end of your first year.
    Photo courtesy of Discover

  • American Express Platinum Card

    While the Platinum Card from American Express has a higher-than-average annual fee, it can be well worth it, thanks to perks like a 70,000-point sign-up bonus, $200 airline fee credit, $15 worth of Uber rides each month, complimentary airport lounge access, Global Entry application fee credit and the chance to earn five points per dollar on flight booked directly with airlines.
    Photo courtesy of American Express

  • Capital One Savor Card

    Capital One Savor Card offers unlimited four percent cash back on dining and entertainment purposes, as well as a $300 new cardmember bonus with qualifying purchases.
    Photo courtesy of Capital One

  • Capital One Venture Rewards Credit Card

    Venture from Capital One cardholders earn two miles per dollar on all purchases, automatically. When paired with an attractive 50,000-mile sign-up bonus and flexible redemption options, it becomes a great all-around card for for frequent travelers who want a simple and effective way to earn miles.
    Photo courtesy of Capital One

  • Quicksilver from Capital One

    Quicksilver, Capital One's cash rewards credit card, offers unlimited 1.5-percent cash back on all purchases, a $150 sign-up bonus, no annual fees and no foreign transaction fees. It's a great low-fee, low-maintenance option for travelers who value simplicity.
    Photo courtesy of Capital One

The top 10 winners in the category Best Rewards Credit Card are as follows:

  1. Bank of America Premium Rewards
  2. Chase Sapphire Reserve
  3. Chase Freedom
  4. Chase Freedom Unlimited
  5. Chase Sapphire Preferred
  6. Discover it Cash Back
  7. American Express Platinum Card
  8. Capital One Savor Card
  9. Capital One Venture Rewards Credit Card
  10. Quicksilver from Capital One

A panel of experts partnered with 10Best editors to pick the initial 20 nominees, and the top 10 winners were determined by popular vote.

Congratulations to all these winning credit cards!

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