The Best Rewards Credit Cards to Maximize Your Spending

  • Finance
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Rewards credit cards can help you earn cash back, travel perks, and other valuable benefits on everyday purchases. Whether you’re looking for simple cash-back rewards or premium travel perks, here are some of the best options available.

1. Best for Flat-Rate Cash Back: Chase Freedom Unlimited®

  • Rewards: 1.5%–5% cash back on all purchases (higher rates in bonus categories)
  • Bonus: Earn an additional 1.5% on everything (up to $20,000 spent in the first year)
  • Perks: No annual fee, 0% intro APR for 15 months
  • Best for: Those who want straightforward, unlimited cash back

2. Best for Travel: Chase Sapphire Preferred® Card

  • Rewards: 5x points on travel booked through Chase, 3x on dining, 2x on other travel
  • Bonus: 60,000 points after spending 4,000inthefirst3months(worth4,000inthefirst3months(worth750 in travel)
  • Perks: $50 annual hotel credit, no foreign transaction fees
  • Best for: Frequent travelers who want flexible redemption options

3. Best for Rotating Categories: Discover it® Cash Back

  • Rewards: 5% cash back in rotating quarterly categories (up to $1,500 per quarter)
  • Bonus: Dollar-for-dollar match on all cash back earned in the first year
  • Perks: No annual fee, 0% intro APR for 15 months
  • Best for: Savvy spenders who maximize bonus categories

4. Best for Premium Travel: The Platinum Card® from American Express

  • Rewards: 5x points on flights and hotels (booked through Amex Travel)
  • Bonus: 80,000 Membership Rewards® points after spending $8,000 in the first 6 months
  • Perks: Airport lounge access, annual travel credits, elite hotel status
  • Best for: High spenders who want luxury travel benefits

5. Best for Business Spending: Ink Business Preferred® Credit Card

  • Rewards: 3x points on travel, shipping, internet, and advertising (up to $150,000 per year)
  • Bonus: 100,000 points after spending $15,000 in the first 3 months
  • Perks: Cell phone protection, no foreign transaction fees
  • Best for: Small business owners with high spending

How to Choose the Right Rewards Card

  • Cash Back vs. Travel Points: Decide if you prefer simple cash back or travel rewards.
  • Spending Habits: Pick a card that rewards your biggest spending categories (e.g., dining, gas, travel).
  • Annual Fees: Weigh whether the card’s benefits justify the cost.
  • Sign-Up Bonuses: Some cards offer big initial rewards, but require high spending to qualify.

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