Access to Chase’s Ultimate Rewards® site to earn more cash back, If you value simplicity, a flat-rate cash-back card may be better, Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel, Earn unlimited 2X miles on every purchase, every day, Miles won't expire for the life of the account and there's no limit to how many you can earn, Receive up to $100 application fee credit for Global Entry or TSA Pre✓®, Fly any airline, stay at any hotel, anytime; no blackout dates. Use the Chase Sapphire Reserve® for all your travel and dining expenses to earn 3X points, then use the Citi® Double Cash Card for everything else to earn an effective 2% cash back. Discover will automatically match all the cash back you’ve earned at the end of your first year! CNBC Select may receive an affiliate commission when you click on the links for products from our partners. There's also cell phone protection for damage to or theft of your phone up to $600 per claim and $1,200 per 12-month period ($25 deductible applies and you must pay your bill with your Wells Fargo Propel American Express® Card). To determine which credit cards offer the best value, CNBC Select analyzed 111 of the most popular credit cards available in the U.S. that offer rewards programs, from cash back to points and miles. Earn now. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% cash back on dining and at drug stores, 1% cash back on all other purchases, $200 cash back after you spend $500 on purchases in your first three months from account opening, Either $5 or 5% of the amount of each transfer, whichever is greater, Who’s this for? This is a great way to maximize the value of your rewards and makes this card stand out from the pack. Perhaps you’re focusing less on dining out and more on cooking at home, meaning you could use a good card for the supermarket — preferably one that also rewards purchases made through grocery-delivery services. Or, if you're looking to save the most money with 1.99% interest for 9 months ‒ we've got that covered too. And if you’re ordering groceries online, that rich rate also can apply to eligible third-party delivery services like Instacart, Peapod, Amazon Fresh and more. As the name implies, you must have an eligible Prime membership to apply for this card ($119 for an annual membership and $12.99 for a monthly membership). Discover is accepted nationwide by 99% of the places that take credit cards. Certain terms, conditions, and exclusions apply. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). Yes, to get the card you must have an Amazon Prime membership, which isn’t free — but if you’re already among the well more than 100 million users of Prime in the U.S., it's an easy call. When you use points through Chase Pay® for a statement credit to cover all or part of a purchase made at participating Chase Pay® merchants (Amazon, for instance), each point is worth $.008, which means that 100 points equals $.80 in redemption value. If you don't, opt for the Amazon Rewards Visa Signature Card, which doesn't require a Prime membership and still offers 3% cash back at Amazon and Whole Foods. The list of eligible streaming subscriptions is longer than most, including Audible, Kindle Unlimited, MLB.TV and more. While cardholders only earn 1% cash back for travel-related purchases, you can benefit from travel perks, such as car rental loss and damage insurance. Capital One Quicksilver Cash Rewards Credit Card: Best for intro APR period on purchases. So how do we make money? It also applies to WholeFoods.com. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Don't want to pay your credit card's annual fee? In addition to rewards, every four years cardholders receive a credit for a Global Entry or TSA PreCheck application, up to $100. 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. It's not the highest when compared to other rewards cards, but you can find a range of cash-back cards with no annual fees. Rewards credit cards. Make sure you do the math to see if an annual fee is within your budget and if it can be outweighed by the card's benefits. 2% cash back: 1% on all purchases and an additional 1% after you pay your credit card bill, 0% for the first 18 months on balance transfers; N/A for purchases, 13.99% - 23.99% variable on purchases and balance transfers. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. For rates and fees of the American Express® Gold Card, please click here. Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Many or all of the products featured here are from our partners who compensate us. You may be able to redeem for a statement credit, travel, gift card, merchandise or more, depending on the card you have. **Eligible streaming services include: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV. In addition to the generous 5% cash back at those two retailers, the card gives users 2% back on purchases made at restaurants, gas stations and drugstores and 1% back on all other purchases. But you’ll offset it if you spend just $31 per week at U.S. supermarkets alone. Wells Fargo Propel American Express® card, Best 0% intro APR and balance transfer card Our partners cannot pay us to guarantee favorable reviews of their products or services. stands out for its super-long interest-free promotion: You get a, 0%* intro APR for 20 billing cycles on purchases and balance transfers*, and then the ongoing APR of 14.49% - 24.49%* Variable APR. In this new category for 2021, the $0-annual-fee Amazon Prime Rewards Visa Signature Card stands out for what it delivers on, well, whatever you get delivered. In order to make the most of your rewards card, you should familiarize yourself with the benefits and fees. It's important to note the value of a point or mile varies from card to card and based on how you redeem them. CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Citi® Double Cash Card – 18 month BT offer. The U.S. Bank Altitude® Go Visa Signature® Card launched in 2020 with an essentially unrivaled value proposition: an eye-popping 4X rewards rate on dining — including takeout and delivery — for a $0* annual fee. Rewards totals incorporate the points earned from the welcome bonus. We analyzed 111 rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find the best of the best based on your consumer habits. This card does have a $250 annual fee, but it can be reduced to effectively $130 if you take advantage of the $120 dining credit each year. Cash Back rewards do not expire as long as your account is open. While this card has a strong cash-back program, it does come with a $99 annual fee (though it's waived the first year). There's an annual $300 travel credit, as well as a $100 credit for Global Entry or TSA PreCheck application fees cardholders can redeem every four years. A rewards credit card is a type of credit card that rewards you for using the card to make purchases. If you want a straightforward card, there are generic rewards cards that offer the same amount of rewards on all purchases, which require little planning. See if you qualify for a better offer with Chase: The Chase Freedom Flex℠ debuted in 2020 and immediately leapfrogged the competition with its impressive combination of bonus rewards: 5% rotating categories, yes, but also fixed categories like dining, drugstores and eligible travel. That can help you amass a pile of flexible points toward your next vacation. After the intro period ends, there's a 13.99% to 23.99% variable APR. You’ll have to track and activate bonus categories, so it’s not the simplest rewards structure on the market — but it can be among the most lucrative. There’s a rich sign-up bonus, not to mention high ongoing rewards in everyday categories, and those rewards are worth more than double the value of points you earn with larger rival hotel chains. One thing to note, however, if you’re studying abroad: Discover is not as widely accepted outside the U.S. as Visa or Mastercard are. He has worked for Yahoo and FoxSports.com as an editor and producer. You don't need to pay the charity directly — Alliant pays $5 on your behalf when you apply to join the credit union. In addition to rotating rewards, you can earn 5% cash back on travel booked through the Chase Ultimate Rewards® portal, 3% cash back on dining and at drug stores and 1% cash back on all other purchases. Discover cards not widely accepted outside the U.S. No Annual Fee, earn cash back, and build your credit with responsible use. It offers 5% back at Amazon and Whole Foods, and that applies to purchases through services like Amazon Fresh, Prime Now and Prime Pantry. That reality is reflected in the categories we used for choosing credit cards as part of, Perhaps you’re focusing less on dining out and more on cooking at home, meaning you could use a good card for the supermarket — preferably one that, also rewards purchases made through grocery-delivery services, One thing remains the same, though: There’s no such thing as “, .” Whatever your spending priorities look like now, we’ve picked our, , along with a few more options representing the. is a repeat winner, largely because it's as straightforward and reliable as a travel card can get: Earn 2 miles per $1 spent on every purchase. (Though we always recommend you pay off your card on time and in full each month.). Plus earn 2X miles per dollar on every other purchase. Yes, to get the card you must have an Amazon Prime membership, which isn’t free — but if you’re already among the well more than 100 million users of Prime in the U.S., it's an easy call. Add to compare. This card doesn't have many of the bells and whistles that other cards on this list have, but it does offer a competitive 12.24% to 22.24% variable APR. A single card is eligible to be chosen in multiple categories. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). The cash-back calendar changes every quarter and includes wholesale clubs*, cable, internet, and phone services and select streaming services** (Learn more about how Chase classifies bonus category purchases.). If you're a frequent traveler looking to make your flights and hotel stays more luxurious, the Chase Sapphire Reserve® should be on your radar. With over 171 cards considered, these cards rose to the top. Rewards credit cards typically provide one of three reward structures: cash back, points or miles. The $0-annual-fee Discover it® Secured Credit Card is a perennial winner here, and it’s little wonder why. (See more on how the value of points is calculated.). Top 10 credit card offers for 2021. Cardholders who have cut the cord can also take advantage of high cash back on select U.S. streaming services (6%). The value of points increases 50% when you redeem for travel on Chase Ultimate Rewards®. Using those miles is also refreshingly easy: Redeem them at a value of a penny each toward any eligible travel purchase — from flights, hotels and car rentals to taxis, timeshares, travel agents and more.
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