Best Rewards Credit Cards in the US: Cashback, Miles, and Loyalty Programs
Choose what fits you
If you’re looking to make your money work harder, the best rewards credit cards in the US can help you earn cash, points, or travel perks every time you spend. Whether you’re focused on saving with cashback or traveling more with miles, there’s a card designed for your lifestyle.
Why Choose a Rewards Credit Card?
Rewards credit cards offer real value for your everyday purchases. They usually fall into one of three categories:
- Cashback cards give you a percentage of your spending back.
- Miles cards help you earn travel rewards faster.
- Loyalty point cards are tied to specific brands or programs.
In short, the right card can turn normal spending into something extra.
Top Cashback Credit Cards
If you like simplicity and value, cashback cards are an excellent choice. They’re easy to use and flexible.
Chase Freedom Unlimited®
- 1.5% unlimited cashback on every purchase.
- 5% cashback on travel booked through Chase Ultimate Rewards®.
- No annual fee.
Discover it® Cash Back
- 5% cashback on rotating categories (up to $1,500 per quarter), then 1%.
- 1% cashback on all other purchases.
- First-year Cashback Match doubles your rewards.
These cards are perfect for groceries, gas, dining, and more. In addition, they’re a great way to build steady savings over time.
Best Travel and Miles Credit Cards
Want to travel more for less? Then these cards may be the right fit.
Capital One Venture Rewards
- 2x miles on every purchase.
- Transfer miles to 15+ travel loyalty programs.
- Earn 60,000 bonus miles after qualifying spend.
Chase Sapphire Preferred®
- 2x points on travel and dining.
- Points are worth 25% more through Chase Ultimate Rewards®.
- Includes travel and purchase protection.
These options are ideal if you frequently book flights, hotels, or other travel services. Moreover, they help stretch your budget even further.
Credit Cards Tied to Loyalty Programs
Some cards offer special perks when linked to specific airlines or hotel chains. If you’re loyal to one brand, these are worth a look.
Delta SkyMiles® Gold American Express
- 2x miles at restaurants and on Delta purchases.
- First checked bag free and priority boarding.
- No foreign transaction fees.
Hilton Honors American Express Card
- 7x points on Hilton stays.
- 5x points at U.S. restaurants, supermarkets, and gas stations.
- Complimentary Hilton Honors Silver status.
For frequent travelers, these co-branded cards add comfort and value to every trip.
How to Choose the Right Rewards Card
Before applying, think about your habits and preferences. For example:
- Do you prefer cash or travel rewards?
- Do you stick to certain brands or travel partners?
- Are you comfortable paying an annual fee if the benefits outweigh the cost?
Additionally, make sure to read the fine print—especially regarding bonus offers, spending limits, and redemption options.
Final Thoughts
The best rewards credit cards in the US do more than just offer credit—they help you earn something back. From cashback on daily purchases to miles for your next vacation, the right card turns spending into opportunity.
Ultimately, it’s all about finding a card that matches your goals. Compare your options, consider the rewards, and make every dollar count.
