Best Rewards Credit Cards in the US: Cashback, Miles, and Loyalty Programs
Choose what fits you
Looking for a credit card that actually gives something back?
The top rewards credit cards in the U.S. now go beyond just handling payments — they give you cashback, points, and travel perks that fit your spending habits and goals.
Whether you want flexible rewards or brand loyalty benefits, there’s a great card for every type of user.
Let’s explore the best options in 2025, from cashback cards to travel and loyalty rewards, and help you choose the one that makes the most sense for your lifestyle.
Why Rewards Credit Cards Are Worth It
Rewards credit cards are ideal for anyone who wants extra value from everyday spending. Instead of just using a card for convenience, you get something back for every purchase.
There are three major types of rewards cards:
- Cashback cards give you a percentage of your spending back in dollars.
- Travel rewards cards offer points or miles for flights, hotels, and more.
- Loyalty program cards partner with specific airlines, hotels, or retailers for exclusive perks.
Whether you’re buying groceries, filling up the tank, or booking flights, you can earn rewards just by paying with the right card.
And many cards come with zero annual fees, making it easier to earn without worrying about costs.
Top Cashback Credit Cards for Everyday Spending
If simplicity and flexibility are your priorities, cashback cards might be your best bet.
They’re straightforward — you earn a set percentage of every purchase back in cash.
Wells Fargo Active Cash® Card
This card delivers unlimited 2% cashback on every purchase, every day. There’s no need to track categories or activate bonuses, and it comes with:
- A $200 cash rewards welcome offer after qualifying purchases.
- No annual fee.
- Introductory 0% APR for the first 15 months.
It’s perfect for those who want consistent rewards with minimal effort.
Citi® Double Cash Card
The Citi Double Cash Card is another standout for its unique earn structure:
- Earn 1% when you buy and 1% when you pay — for a total of 2% cashback.
- No category restrictions.
- $0 annual fee.
Because of its simplicity, this card works well for both big and small purchases. Plus, there are no confusing limits or rules.
Chase Freedom Unlimited®
- Earn 1.5% cashback on all other purchases.
- 3% on dining and drugstores, 5% on travel through Chase Ultimate Rewards®.
- No annual fee and great introductory offers.
This one is great if you want a combination of flat-rate and bonus-category rewards.
Best Travel Credit Cards for Miles and Points
Do you dream of your next vacation while earning points from everyday expenses?
Travel rewards cards make that possible by turning spending into free or discounted trips.
Many also come with built-in travel protections, making them great for both frequent and occasional travelers.
Capital One VentureOne Rewards
This card is ideal for someone who wants simple travel miles with no complications:
- Earn 1.25x miles on all purchases.
- Transfer miles to over 15 travel partners.
- Enjoy no foreign transaction fees and no annual fee.
With flexible redemption options and partner airlines, it fits many travel styles.
Bank of America® Travel Rewards Card
With this card, every dollar you spend earns 1.5 points that can be used for flights, hotels, car rentals, and more. Highlights include:
- No annual fee and no expiration on points.
- Introductory bonus of 25,000 points.
- Bonus rewards if you’re a Bank of America Preferred Rewards member.
Chase Sapphire Preferred® Card
One of the most popular mid-tier travel cards available today:
- Earn 2x points on travel and dining.
- Get 25% more value when redeeming points through Chase Ultimate Rewards®.
- Generous sign-up bonus and strong travel insurance coverage.
This card shines for travelers looking to get more value out of each mile.
Credit Cards Linked to Loyalty Programs
If you’re loyal to a specific airline or hotel brand, co-branded credit cards can offer even more value. These cards often unlock VIP perks like free checked bags, priority boarding, room upgrades, and bonus status.
Marriott Bonvoy Bold® Credit Card
A great card for travelers who regularly stay at Marriott hotels. Benefits include:
- Earn 3x points at Marriott properties, 2x on travel, 1x elsewhere.
- No annual fee.
- Automatic Silver Elite status.
Points can be used for free stays, experiences, and more through the Marriott Bonvoy program.
United Gateway℠ Card
Perfect for frequent flyers with United Airlines:
- 2x miles on United purchases, local transit, and gas stations.
- No annual fee.
- 25% back on in-flight purchases and expanded access to MileagePlus benefits.
These cards often offer first checked bags free or discounts on inflight services, giving added value to loyal customers.
How to Choose the Right Rewards Card
With so many options, choosing the right card may seem tough. Here are some key questions to guide your decision:
- Do you prefer cash in hand or travel perks?
- Are you loyal to specific brands like Marriott or United?
- How much do you typically spend each month?
- Do you want to choose your desired credit limit based on your financial plan?
- Would you rather have a simple flat-rate card or manage rotating bonus categories?
Also consider sign-up bonuses, spending thresholds, and redemption flexibility. Read the fine print carefully to make sure the rewards align with your habits.
Remember: some cards require excellent credit, while others are more accessible. Choosing a card that fits your credit profile and lifestyle will ensure you get the most out of it.
Final Take: Get the Most From Every Purchase
The top rewards credit cards are about turning everyday expenses into real value.
Whether you’re looking for cashback to cover bills, points to use at your favorite hotel, or miles to book a flight, there’s a card designed to reward your routine.
Choose a card that reflects your priorities, budget, and future plans.
Be sure to review your spending habits and select a card that will maximize what you already do — shop, dine, travel, and live.
Choose the rewards that match your lifestyle, and watch how your regular spending starts to work in your favor.
