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The Best Rewards Credit Cards of July 2020

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How many rewards credit cards do you have in your wallet? Do you know if you’re maximizing their rewards potential? Or are you just swiping them randomly, hoping it all adds up in the end?

, only about one-third of credit card holders completely understand all of their card’s benefits. That’s not so surprising. Between different point values for different types of spending, special bonus categories that may change every month or be capped, and redemption values that may also fluctuate, it’s tough to know how to maximize a card’s benefits. But failing to do so means leaving benefits — and sometimes cold cash — on the table.

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Best Rewards Credit Cards

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best Cash Back Rewards Card

Citi® Double Cash Card

Up to 2% Reward Rate
First, you earn 1% unlimited cash back on every purchase you make. Then, as youRead More
Welcome Bonus
None
Annual Fee
$0
Regular APR
13.99% - 23.99% (Variable)
Credit Score
Excellent (750 - 850)

Best Cash Back Rewards Card

Citi® Double Cash Card
Click Here To Apply Now

Citi® Double Cash Card

Apply Now
On Citibank's Secure Website
On Citibank's Secure Website

The Citi Double Cash card tops the Forbes list of the best cash back credit cards, and with good reason. It offers an unbeatable cashback rate on all purchases, plus a long-lasting 0% intro APR offer, all without an annual fee.

Pros

  • Simple rewards structure with an excellent 2% cash back on all purchases
  • No category restrictions and no cap on cash back earnings

Cons

  • High balance transfer fee
  • 3% foreign transaction fee
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
None
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Featured Credit Card Featured Card

Best Airlines Rewards Card

Citi® / AAdvantage® Executive World Elite™ Mastercard® *

Up to 2X Reward Rate
Earn 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases; Earn 1XRead More
Welcome Bonus
50,000 miles
Annual Fee
$450
Regular APR
15.99% - 24.99% Variable APR on purchases and balance transfers
Credit Score
Excellent (750 - 850)

Best Airlines Rewards Card

Citi® / AAdvantage® Executive World Elite™ Mastercard®
Click Here To Learn More

Citi® / AAdvantage® Executive World Elite™ Mastercard® *

Learn More
On Citi's Secure Website

For the AA frequent flier who will use the complimentary Admirals Club lounge access, this alone more than offsets the annual fee. Considering that all authorized cardholders are eligible, this can be an incredible value. Extra perks such as VIP check-in, priority boarding, concierge service, and free checked bag sweeten the deal.

Pros

  • Free Admirals Club® lounge access for all authorized cardholders
  • Free checked bag for up to 8 companions
  • Large network of partner airlines

Cons

  • High $450 annual fee with no first-year waiver
  • Blackout dates apply in some cases
  • Lackluster rewards rates
  • Requires excellent credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening. Plus, Admiral's Club® membership
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard APR for Citi Flex Plan is 15.99% – 24.99% Variable, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening. Plus, Admiral's Club® membership
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best Store Rewards Card

Costco Anywhere Visa® Card by Citi *

Up to 4% Reward Rate
Earn 4% on eligible gas, including gas at Costco for the first $7,000 per yearRead More
Welcome Bonus
None
Annual Fee
$0
Regular APR
15.24% (Variable) APR on purchases and balance transfers
Credit Score
Excellent (750 - 850)

Best Store Rewards Card

Costco Anywhere Visa® Card by Citi
Click Here To Learn More

Costco Anywhere Visa® Card by Citi *

Learn More
On Citibank's Secure Website

If you're an existing Costco member who spends heavily on gas, dining out and travel, this card is a great idea. If not, you would be better served by a general cash back card which has more frequent and flexible redemption options.

Pros

  • High rewards rates in bonus categories
  • No foreign transaction fee
  • Use the Costco Anywhere Visa card as your Costco membership ID

Cons

  • Requires an active Costco membership
  • Rewards redemption is via an annual certificate only valid at Costco
  • Certificate expires at year-end
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
  • No matter where life takes you, experience no foreign transaction fees on purchases*
None
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Featured Credit Card Featured Card

Card With the Best Sign-Up Bonus

HSBC Premier World Elite Mastercard®

Up to 3X Reward Rate
Earn 3X Rewards Program Points on new travel purchases – including airline, hotels, and carRead More
Welcome Bonus
50,000 Rewards Program Bonus Points
Annual Fee
$395; each authorized user $65 per year
Regular APR
14.99% - 18.99% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent (700 - 749)

Card With the Best Sign-Up Bonus

HSBC Premier World Elite Mastercard®
Click Here To Learn More

HSBC Premier World Elite Mastercard®

Learn More
On HSBC's Secure Website

Only available to those with a U.S. HSBC Premier checking account, the rewards and benefits seem insufficient to offset the high APR, lack of intro 0% APR offer, and high annual fee. Perhaps the status value of the metal card makes it worthwhile to some.

Pros

  • No foreign transaction fee
  • 3x points on travel purchases
  • Earn unlimited points that don’t expire
  • Robust travel perks & benefits

Cons

  • Very high $395 annual fee
  • Only available to those with a U.S. HSBC Premier checking account
  • High regular APR & penalty APR
  • No intro APR offer
  • Earn 50,000 Rewards Program Bonus Points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening
  • Earn 3X Rewards Program Points on new travel purchases – including airline, hotels, and car rentals
  • Earn 2X Points on dining purchases
  • Earn 1X Points on all other purchases
  • Redeem your points for the rewards you want: Travel, Cash Rewards, Gift Cards, or Merchandise
  • 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay
    Enjoy a $100 Annual Air Travel Credit, get two free lounge visits per year, plus save up to 15% at hundreds of airport retailers”
Earn 50,000 Rewards Program Bonus Points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best Hotel Loyalty Rewards Card

Marriott Bonvoy Brilliant™ American Express® Card *

Up to 6x Reward Rate
Earn 6X points on purchases at participating Marriott Bonvoy properties worldwide; earn 3X points onRead More
Welcome Bonus
75,000 bonus Marriott Bonvoy Points
Annual Fee
$450
Regular APR
15.74% - 24.74% Variable APR on purchases
Credit Score
Good/Excellent (700 - 749)

Best Hotel Loyalty Rewards Card

Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card *

On American Express's Secure Website

Just a few Marriott stays per year is enough to offset the $450 annual fee via the $300 annual hotel credit and free night. The complimentary Gold Elite status, lavish Bonvoy perks, and substantial welcome bonus add sweetness to the deal.

Pros

  • Annual Free Night Award
  • Complimentary Bonvoy Gold Elite status
  • 15 annual Elite night credits
  • $300 annual Marriott Bonvoy credit

Cons

  • The APR on purchases can exceed 24%, depending on your creditworthiness
  • Very high annual fee
  • No introductory APR offer
  • Earn 75,000 bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months
  • 6X points on purchases at participating Marriott Bonvoy properties worldwide
  • 3X points on U.S. restaurants and flights booked directly with airlines
  • 2X points on all other purchases
  • $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy properties
  • Complimentary Marriott Bonvoy Gold Elite Status
  • Priority Pass membership
Earn 75,000 bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Here's a summary of Best Rewards Credit Cards

Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Best Unbranded Travel Rewards Card
Excellent/Good
$95
60,000 bonus points
Best With No Annual Fee
Excellent/Good
$0
Unlimited first year cash back match
Best Rewards Card for Students
Fair/New to Credit
$0
Unlimited first year cash back match
Best Cash Back Rewards Card
Excellent
$0
None
Best Rewards Card for Small Businesses
Good/Excellent
$0 intro for first year, $95 after that
Earn a $500 cash bonus when you spend $5,000 in the first 3 months
Best for Bad Credit
New/Rebuilding Credit
$0
Unlimited first year cash back match
Best Airlines Rewards Card
Excellent
$450
50,000 miles
Best Store Rewards Card
Excellent
$0
None
Card With the Best Sign-Up Bonus
Good/Excellent
$395; each authorized user $65 per year
50,000 Rewards Program Bonus Points
Best Hotel Loyalty Rewards Card
Good/Excellent
$450
75,000 bonus Marriott Bonvoy Points

Methodology

Forbes analyzed more than 100 rewards credit cards to find top picks for a range of categories. Characteristics taken into consideration while evaluating cards included rewards rates, reward redemption options and additional benefits included with the card.


Best Rewards Credit Cards

Chase Sapphire Preferred® Card

If there’s a rewards card known for its travel perks, its undeniably the. This card gives account holders the freedom to choose how they want to redeem their rewards — either through airlines or hotels — and consistently offers great sign-up bonuses (this card is also a Forbes’ pick for cards with the best sign up bonuses).

According to Chase.

Rewards: 2X points on travel, including airfare, hotels, taxis and trains; 2X points on dining worldwide; one point per $1 spent on everything else.

Annual Fee: $95

Bonus Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

Other Benefits or Drawbacks: The Chase Sapphire Preferred card also comes with additional benefits, including:

  • $0 foreign transaction fees
  • Auto rental collision damage waiver
  • Trip cancellation/interruption insurance
  • Zero liability protection
  • Baggage delay insurance
  • 1:1 point transfer value

One drawback of the card is that the $95 annual fee isn’t waived for the first year, a perk offered by similar competitor cards.

You can read our full review of the Chase Sapphire Preferred card here.


Discover it® Cash Back *

Finding a great rewards card with no annual fee can be challenging, but the Discover it® Cash Back *delivers on both aspects. The cash back percentage (up to 5%) is higher than what most cards offer, and the bonus of having all cash back matched at the end of the year is impressive. This is a great card for everyday purchases, but be aware that the 5% rewards categories change each quarter that you activate and are limited to $1,500 in spending per quarter. All other cash back rewards pay 1%.

Rewards: 5% cash back in specified categories each quarter, including gas stations, grocery stores, restaurants, Amazon.com and more up to quarterly maximum of $1,500 in purchases; 1% cash back on everything else.

Other Benefits or Drawbacks: It can get tricky to keep up with a changing rewards category each month, but they’re typically geared toward everyday purchases like gas, restaurants and grocery stores. It’s also a bonus that cash back never expires and can be redeemed in any amount at any time.


Discover it® Student Cash Back *

College is a great time for individuals to build credit. Just because they don’t have a long (or perhaps any) credit record yet,  doesn’t mean students have to miss out on a rewards card. The Discover it® Student Cash Back * is a generous cash back card with 5% cash back rewards in categories students actually use, such as Uber, restaurants, grocery stores and more. There’s no limit to how much cash back students can earn with this card.

Rewards: Earn 5% cashback each quarter in selected categories that include gas stations, grocery stores, restaurants, Amazon.com and more, up to a quarterly maximum of $1,500; 1% cash back on everything else.

Other Benefits or Drawbacks: The 5% cash back categories change each quarter, so cardholders need to keep an eye on current offerings to maximize cash back earnings. Students with a GPA of 3.0 or higher receive a $20 statement credit each school year for up to five years.


Citi® Double Cash Card

A true cash back rewards card will do exactly that: Give you real cash back for your purchases. The  is Forbes’ top pick for the cash back rewards section based on its flat-rate rewards percentage and the option to redeem cash back as a physical check — some cards only let you redeem for statement credit. Plus, this card boasts no annual fee and no category requirements for what you can earn cash back on.

Rewards: 1% cash back on every purchase and 1% cash back when you pay for those purchases (totaling 2% cash back on everything).

Annual Fee: $0

Bonus Offer: None

Other Benefits or Drawbacks: Though the is generous with its rewards, its 3% foreign transaction fee is one major drawback, making this card a domestic-use only option for those trying to stretch their rewards the furthest.
You can read our full review of the Citi Double Cash card here.


Capital One® Spark® Cash for Business

Small business owners require a card that has a simple rewards program but still has generous earning and redemption options. The Capital One® Spark® Cash for Business* is the best rewards card for small businesses thanks to its unlimited cash back rewards program and no-fee employee cards. This card was also featured on the Forbes Advisor list of best business cards.

Rewards: Earn unlimited 2% cash back that can be redeemed any time with no minimum. For a company spending $10,000 per month, that can equal $2,900 cash back in the first year (including the bonus offer).

Annual Fee: $0 intro for first year, $95 after that

Bonus Offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Other Benefits or Drawbacks: Additional benefits include no foreign transaction fees, year-end summaries, Quicken, Quickbooks and Excel compatibility and more.


Discover it® Secured *

Having a damaged credit score doesn’t mean being banned from rewards while working to rebuild it. The Discover it® Secured* is a generous cash back card for individuals working on improving their credit scores

Rewards: Earn 2% cash back at gas stations and restaurants up to $1,000 each quarter; 1% cash back on everything else.

Other Benefits or Drawbacks: Benefits include:

  • Cash back is matched at the end of the year
  • Refundable deposit — A secured card means you have to put a deposit down as collateral; these funds will then be used to determine your “limit” (you can’t spend more than you put down).
  • Option to convert to an unsecured card with responsible use
  • No late fee on first late payment

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Choosing an airline rewards card is not easy. There are multiple things to consider, including how often you travel, where you’re traveling, how likely you are to use lounge access and how much the miles are actually worth.

Most major U.S. airlines have rewards cards that work in tiers. There is usually a starter card with no annual fee but low rewards. Then there is a mid-tier card with rewards and added benefits, like discounts to lounges. Finally, the highest-tier card comes with a hefty annual fee, high spend requirements to receive bonuses and really are only worth it for frequent travelers.

To choose the best airlines rewards card, Forbes looked at airline rewards cards and compared them based on mile earnings, mile values, annual fees, discounts and additional benefits, including TSA Pre✔ or Global Entry credits. A great airline rewards card will also have no foreign transaction fee — what’s the point of taking a card with you on your travels if it will cost you big bucks to swipe it during your adventure?

The Citi/AAdvantage Executive Mastercard checked off every benefit on our list and then some — it pays Pre✔ or Global Entry in full. Instead of giving discounted access to its lounge as some other cards do, it gives complete access to the cardholder andauthorized users. This is an impressive card, and travelers who want to be rewarded for both domestic and international travel should consider being loyal to American Airlines with this card.

Rewards: Earn two miles for every $1 spent on American Airlines purchases; earn one mile for every $1 spent on everything else.

Annual Fee: $450

Bonus Offer: Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening. Plus, Admiral's Club® membership

Other Benefits or Drawbacks: This card comes with:

  • Admirals Club membership ($650 value and includes access for authorized users)
  • Global Entry or TSA Pre✓ application fee credit
  • First bag checked free on domestic including for up to eight travel companions
  • Priority boarding
  • VIP check in including eight companions
  • 25% discount on inflight food and beverage purchases.

One drawback: This card doesn’t offer companion certificates, as some other airline rewards cards do.


Costco Anywhere Visa® Card by Citi

Families with a Costco membership should jump on the opportunity to sign up for a Costco Anywhere Visa card. This card’s rewards program ventures outside of Costco stores, even rewarding cardholders while at the gas pump.

Rewards: 4% cashback on gas worldwide, including gas at Costco (eligible for discount up to $7,000, then 1% cashback on gas after); 3% cash back on eligible restaurant and travel purchases; 2% cash back on all purchases from Costco and Costco online; 1% cash back on everything else

Annual Fee: $0

Bonus Offer: None

Other Benefits or Drawbacks: You can use this card anywhere — there’s no foreign transaction fee and you don’t need to be at a Costco store for it to work. This card also offers damage and theft purchase protection, as well as extended warranties on purchases. One drawback is that the cash back rewards are paid out as an annual certificate, although they are redeemable for cash.


HSBC Premier World Elite Mastercard®

The HSBC Premier World Elite Mastercard is one of the most generous travel rewards cards out there, and its hefty 50,000 Rewards Program Bonus Points offer is worth a whopping $750. This travel card also comes with great additional perks, such as airport lounge access, TSA TSA Pre✓ reimbursement and more.

Rewards: Earn 3X points on new travel purchases, including airline, hotels and car rentals; Earn 2X points on dining purchases; Earn 1X points on everything else.

Annual Fee: $395; each authorized user $65 per year

Bonus Offer: Earn 50,000 Rewards Program Bonus Points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening

Other Benefits or Drawbacks: Though the annual fee is big, the bonus offer makes up for it.

Additional benefits include:

  • Unlimited point earning
  • Free membership to 850 plus airport lounges
  • Up to $100 annually in reimbursement for travel purchases
  • $85 TSA PreCheck application reimbursement
  • $100 annual statement credits for Uber and Lyft rides
  • Unlimited Boingo wi-fi
  • 10% discount on hotel or vacation home reservations through Expedia, Agoda and Onefinestay

Marriott Bonvoy Brilliant™ American Express® Card *

If you’re going to be loyal to a hotel chain, it’s worth going all out with a high-tier credit card to help make it happen. The Marriott Bonvoy Brilliant card comes with a wealth of rewards and a general sign-up bonus that make its hefty $450 annual fee pay for itself — and then some.

Rewards: Earn six points per $1 spent at participating Marriott Bonvoy hotels; earn three points per $1 spent at U.S. restaurants and flights booked directly with airlines; earn two points per $1 spent on everything else.

Annual Fee: $450

Bonus Offer: Earn 75,000 bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months

Other Benefits or Drawbacks:

  • One free night award every year after your anniversary (redemption level at 50,000 Marriott Bonvoy points or less — but keep in mind there might be resort fees you are responsible for);
  • $300 Marriott Bonvoy statement credit;
  • No blackout dates for free nights.
  • Global Entry credit or TSA Pre✓ statement credit.
  • No foreign transaction fees.
  • Access to a Global Assist hotline
  • Return protection
  • Premium roadside assistance up to four times per year
  • Priority Pass Select lounge access for the cardholder and up to two guests.

5 Things to Consider When Choosing a Rewards Credit Card

Rewards credit cards give you an incentive to spend on a specific card, but they’re not all created equal. Many cards have different point values, meaning some points might be worth more than others. And adding to the confusion, some point values fluctuate based on how they’re redeemed.

Before choosing a rewards credit card, consider the following:

  1. How much do you need to spend in order to cover the annual fee? If you choose a card with a large annual fee, make sure your monthly spending and rewards amounts or perks will cover it. There’s no use in keeping a card that will cost you money just to keep it in your wallet.
  2. How much money do you spend in the specified rewards categories? Some cards have set rewards categories, and some rotate each month or quarter. When selecting a card, consider how much money you spend in its more generous rewards category. For example, if you don’t own a car, it might not be wise to choose a rewards card that touts a higher cash back reward in the gas category.
  3. Do you travel enough to be loyal to one airline? Choosing an airline rewards card is a big commitment. While they come with big rewards and perks, airline cards can have hefty annual fees. Consider how much you travel on one specific airline before signing up for its credit card; if you only travel a few times a year, you might not utilize the additional benefits enough to justify a large annual fee.
  4. Is it a charge card or a credit card? A charge card must be paid in full each month; a credit card, however, offers more flexibility and lets account holders carry balances. If you’re someone who has revolving debt, a charge card is not a good option.
  5. What are the card’s fees and penalties? If traveling is a priority for you, keep in mind that some cards charge foreign transaction fees — so you’ll want to find one that doesn’t. Other fees and penalties to keep in mind include late payment fees, returned check fees, etc.

Notable Cards That Didn't Make the Top 10 List

Just because a card didn’t make our top 10 list doesn’t mean it isn’t worth mentioning. There are plenty of rewards cards out there that have great programs and bonus offers, including:

1)

This is a favorite among American Express rewards cards, and for good reason: The company teams up with major airlines like Delta, JetBlue, Emirates and more, making rewards redemptions easy — and points transfer at a 1:1 value. The card also comes with Amex’s signature benefits, such as travel concierge services, help with booking vacations and more.

  • Rewards: 4X membership points at restaurants worldwide; 4x membership points at U.S. supermarkets (up to $25,000 per calendar year, then 1x); 3X points on flights booked directly with airlines or through American Express Travel.
  • Annual Fee: $250
  • Bonus Offer: Earn 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Other Benefits or Drawbacks: The Amex Gold card has additional perks, such as up to $10 in monthly restaurant statement credits, up to $100 airline fee credit, phone insurance and more.

To view rates and fees of the American Express® Gold Card, please visit .

2) Capital One® Venture® Rewards Credit Card*
This popular travel rewards card has a generous sign-up bonus and no foreign transaction fees, meaning you can bring it wherever your next adventure takes you.

  • Rewards: Unlimited 2X miles per $1 on every purchase
  • Annual Fee:$0 for the first year, then $95
  • Bonus Offer: Earn 50,000 bonus miles after making $3,000 in purchases within the first three months of the account opening
  • Other Benefits or Drawbacks: No foreign transaction fees.

3) Uber Visa Card
This card is a top pick for dining, considering its high 4% rewards rate for the category. It also has a unique tie-in with Uber, letting cardholders redeem their rewards for Uber Cash. If you’re someone who loves spending weekends out on the town, this card can be a great asset.

  • Rewards: 4% back on dining; 3% on hotel and airfare; 2% back for online purchases; 1% back on all other purchases
  • Annual Fee: None
  • Bonus Offer: $150 cash bonus after spending $500 within the first three months of the account opening
  • Other Benefits or Drawbacks: Additional benefits include: Up to $600 phone damage or theft protection if you pay phone bill with the card; $50 streaming credit after $5,000 card or more in spending on the card a year.

Other Credit Cards to be Considered

Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
None
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Unlimited first year cash back match
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening. Plus, Admiral's Club® membership
None
Earn 50,000 Rewards Program Bonus Points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening
Earn 75,000 bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
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