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Best Rewards Credit Card (2021)

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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 you voted for the winners.
 
The top 10 winners in the category Best Rewards Credit Card are as follows:
  1. Discover it Cash Back
  2. Capital One VentureOne Rewards
  3. American Express Platinum Card
  4. Quicksilver from Capital One
  5. Chase Sapphire Preferred
  6. Capital One Venture Rewards
  7. Bank of America Premium Rewards
  8. Chase Freedom Credit Card
  9. Chase Sapphire Reserve
  10. American Express Gold Card

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

  • Discover it Cash Back

    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

  • Capital One VentureOne Rewards

    Capital One VentureOne Rewards

    With the Capital One VentureOne Rewards card, cardholders earn unlimited 1.25 miles per dollar on all purchases, as well as 20,000 bonus miles with qualifying purchases, all with no annual fee.
    Photo courtesy of Capital One

  • American Express Platinum Card

    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 60,000-point sign-up bonus, $200 airline fee credit, $15 worth of Uber rides or Eats orders each month, Global Entry application fee credit and the chance to earn five points per dollar on flight booked directly with airlines and on prepaid hotels.
    Photo courtesy of American Express

  • Quicksilver from 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

  • Chase Sapphire Preferred

    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

  • Capital One Venture Rewards

    Capital One Venture Rewards

    Venture from Capital One cardholders earn two miles per dollar on all purchases, automatically. When paired with an attractive 50,000-mile signup bonus, a $100 credit for Global Entry or TSA PreCheck fee 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

  • Bank of America Premium Rewards

    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 Freedom Credit Card

    Chase Freedom Credit Card

    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. Cardholders can earn 5-percent cash back at supermarkets during the first year.
    Photo courtesy of Chase

  • Chase Sapphire Reserve

    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). Cardholders get 50 percent more value when they redeem points for travel purchased through Chase Ultimate Rewards.
    Photo courtesy of Chase

  • American Express Gold Card

    American Express Gold Card

    The American Express Gold Card offers cardholders with excellent credit several perks and benefits, including the chance to earn three points per dollar spent booking flights directly from airlines and four points per dollar spent at grocery stores and restaurants (including takeout and delivery). The card also comes with a $120 annual dining credit, $100 airline fee creidt and the ability to transfer points at a one-to-one ratio to some loyalty programs.
    Photo courtesy of American Express

Congratulations to all these winning cards!

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