Best Rewards Credit Cards of 2025

Turn daily spending into cashback, miles, or perks that match your lifestyle

Choose what fits you

Looking to make your money work harder?

Rewards credit cards are your ticket to turning everyday purchases into cashback, points, or travel perks — without changing how you spend.

Whether you’re filling the gas tank, shopping online, or booking a getaway, the right card can help you earn valuable benefits along the way. In this 2025 guide, we break down the top credit card options for cashback, travel, and loyalty rewards — so you can find the perfect fit.

🔹 Why Choose a Rewards Credit Card?

A rewards credit card doesn’t just process payments — it gives back. You earn benefits on what you’re already spending, and in many cases, pay no annual fee.

There are three main types of rewards credit cards:

• Cashback Cards: Get a percentage of your spending back as cash.
• Travel Rewards Cards: Earn miles or points to use on flights, hotels, and car rentals.
• Loyalty Program Cards: Get exclusive perks tied to a brand like Marriott or United.

Let’s explore the best in each category.

The perfect choice for you!

A card with no fees is already a big advantage, especially when compared to many well-known cards on the market that don’t offer this benefit.

Check out this credit card

💰 Top Cashback Cards for Everyday Value

Keep it simple and earn more with every purchase

Cashback credit cards are a go-to for anyone who values flexibility. You get cash back on purchases without managing points or worrying about redemption rules.

1. Wells Fargo Active Cash® Card
✅ Unlimited 2% cashback on all purchases
✅ $200 welcome bonus after qualifying purchases
✅ 0% intro APR for 15 months
✅ No annual fee

Why it’s great: You never need to track categories or enroll in bonus programs. It’s truly set-it-and-forget-it.

2. Citi® Double Cash Card
✅ Earn 1% when you buy and 1% when you pay — total 2%
✅ No rotating categories or limits
✅ No annual fee

This card is ideal for consistent spenders. Whether it’s groceries, bills, or subscriptions, you’ll earn on every dollar.

3. Chase Freedom Unlimited®
✅ 1.5% cashback on everyday spending
✅ 5% on travel, 3% on dining and drugstores
✅ No annual fee
✅ Strong welcome offer

Best for users who like a mix of flat and bonus rates. You’ll benefit more if you book travel through Chase Ultimate Rewards®.

🌍 Best Travel Credit Cards for Points and Miles

Earn rewards on everyday purchases and redeem for real adventures

Love to travel? These cards turn your routine spending into vacations — and often come with no foreign transaction fees.

1. Capital One VentureOne Rewards
✅ Earn 1.25x miles on every purchase
✅ No annual fee
✅ Transfer miles to 15+ travel partners
✅ No foreign transaction fees

Flexible and simple, this card fits frequent travelers and casual globetrotters alike.

2. Bank of America® Travel Rewards Card
✅ 1.5 points per dollar on all spending
✅ No expiration on points
✅ 25,000-point welcome bonus
✅ No annual fee

Bonus: If you’re part of Bank of America Preferred Rewards, you can boost your earnings up to 75%.

3. Chase Sapphire Preferred® Card
✅ 2x points on travel and dining
✅ 25% more value through Chase Ultimate Rewards®
✅ Robust sign-up bonus
✅ Premium travel protections

Ideal for those who travel multiple times a year and want top-tier redemption flexibility.

🏨 Best Cards for Loyalty Program Rewards

Get perks where you already stay or fly

If you’re loyal to one hotel chain or airline, a co-branded credit card could unlock VIP treatment with every trip.

1. Marriott Bonvoy Bold® Credit Card
✅ 3x points at Marriott hotels
✅ 2x on travel, 1x on everything else
✅ No annual fee
✅ Automatic Silver Elite status

Perfect for Marriott regulars who want free nights, upgrades, and access to Bonvoy Experiences.

2. United Gateway℠ Card
✅ 2x miles on United flights, gas, and local transit
✅ No annual fee
✅ 25% off in-flight purchases
✅ Access to MileagePlus perks

Frequent United flyer? This card gives you airline-specific benefits without added fees.

🧠 How to Pick the Right Rewards Credit Card

Start by asking yourself a few simple questions:

• Do I want cash, points, or travel perks?
• How much do I spend monthly — and on what?
• Do I prefer flat-rate rewards or bonus categories?
• Will I benefit from brand loyalty programs?
• Do I need no annual fee, or am I okay paying for extra benefits?

Also, look at:

• ✅ Intro bonuses: Can you hit the spending threshold?
• ✅ Redemption flexibility: Can you convert points easily?
• ✅ APR and fees: Are there hidden costs you’ll want to avoid?
• ✅ Credit requirement: Some cards require excellent credit.

The right card should work with your lifestyle — not complicate it.

🔄 Rewards Cards Comparison Table

💡 Pro Tip: Maximize Your Rewards

To get the most out of any card:

• Pay your balance in full to avoid interest charges.
• Use one card for specific categories (like dining or travel).
• Combine cards strategically if you’re maximizing benefits (e.g., one cashback + one travel).
• Don’t chase bonuses you can’t meet — only spend what you can afford.

🔚 Final Thoughts: Spend Smart, Earn More

The best rewards credit cards of 2025 help you earn for the things you already do — whether it’s grocery shopping, commuting, or booking flights.

Choose the one that fits your lifestyle, not just the one with the flashiest promo. From zero annual fees to flexible redemptions, these cards are tools for smarter financial living.

👉 Take control of your rewards today — and make every purchase a step toward something better.

André 8 de July de 2025