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Last updatedSeptember 2022
Best Rewards Credit Cards of September 2022
What kind of perks are you looking for?
With a rewards credit card, you can get value from your daily spending in the form of cash back, points, and miles. Compare our best rewards cards and apply today.
What type of card are you looking for?
U.S. Bank Altitude® Connect Visa Signature® Card
- Rewards Rate: Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, grocery stores, grocery deliveries and dining, and 1X point on all other eligible purchases.
- Welcome Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.
- Balance Transfer intro APR: N/A
- Purchase intro APR: N/A
Recommended Credit Score:
670+
Annual Fee:
$0 intro for the first year, then $95
Regular APR:
Check this card17.49% - 25.49% (variable)
BestMoney Score
8.4
At A Glance: The U.S. Bank Altitude® Connect Visa Signature® Card offers a great deal of rewards in a number of catagories including 4X points on travel and 2X points on dining and groceries. In addition, this no annual fee card comes with an excellent welcome bonus - 50,000 bonus points after spending $2,000 in eligible purchases within the first 120 days of opening an account.
Capital One Quicksilver Cash Rewards Credit Card
- Rewards Rate: Earn unlimited 1.5% cash back on every purchase, every day
- Welcome Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Balance Transfer intro APR: 0% APR on balance transfers for 15 months
- Purchase intro APR: 0% APR on purchases for 15 months
BestMoney Score
9.4
At A Glance: If you're looking for easy cash back, look no further than the Quicksilver Cash Rewards Credit Card. You'll earn rewards at the same flat rate on every purchase, no matter where you shop or what you buy. In addition, this card offers a one-time $200 cash bonus, after spending $500 on purchases within 3 months of opening an account.
Capital One Spark Cash Plus
- Rewards Rate: Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Welcome Offer: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Balance Transfer intro APR: N/A
- Purchase intro APR: N/A
BestMoney Score
7.8
At A Glance: The Spark Cash Plus offers excellent rewards for business owners. You'll earn 5% cash back on hotels and rental cars booked through Capital One Travel and unlimited 2% cash back on all qualifying purchases. What really sets this card apart from other cash back cards is its unique mix of redemption options including a statement credit, check, gift card, and payments through Amazon.com and PayPal.
Aspiration Zero Card
- Rewards Rate: 0.5% cash back on all purchases and 1% cash back every month you go carbon neutral
- Welcome Offer: Earn a $300 bonus after $3000 in spend within the first 90 days of account opening
- Balance Transfer intro APR: N/A
- Purchase intro APR: N/A
BestMoney Score
7.1
The Aspiration Zero credit card is a credit product offered through Aspiration Card Services, LLC in partnership with Beneficial State Bank, member FDIC, equal housing lender. Aspiration Card Services, LLC and affiliates, Aspiration Financial, LLC, a broker-dealer and member FINRA/SIPC, Aspiration Fund Adviser, LLC, a SEC registered investment adviser, Aspiration Insurance Agency, LLC, Make Earth Green Again, LLC, and Aspiration Sustainable Impact Services, LLC, are wholly-owned subsidiaries of Aspiration Partners, Inc. (collectively "Aspiration"). Aspiration is not a bank. All rights reserved.
Terms and conditions apply. To qualify for this one-time $300 statement credit bonus offer, Cardholders must make net qualifying purchase(s) (minus returns and other adjustments) of $3,000 or more with their Aspiration Zero Credit Card within 90 days of account opening. Maximum of one $300 statement credit bonus offer per person. This offer is valid to approved Cardholders until 11:59 p.m. EST 3/31/2022. Statement credit will be applied to the next billing cycle after net purchase qualification threshold is met within the first 90 days of account opening. Your Aspiration Zero Credit Card account must remain open and be in good standing at the time when the one-time statement credit bonus offer is awarded in order to qualify.
The standard variable APR for purchases is 11.65% to 21.45% max rate, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for balance transfers is 11.65% to 21.45%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for cash advances is Cash Advances is 18.25% to 23.25%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater. Cash advance fee is either $10 or 5% of the amount of each transfer, whichever is greater. Foreign fees are 2% of each transaction in U.S. dollars. Late payment fees are up to $10, returned payment fees are up to $35 and a rush fee of $35 may be charged to your account for expedited card shipment.
Terms and conditions apply. To qualify for this one-time $300 statement credit bonus offer, Cardholders must make net qualifying purchase(s) (minus returns and other adjustments) of $3,000 or more with their Aspiration Zero Credit Card within 90 days of account opening. Maximum of one $300 statement credit bonus offer per person. This offer is valid to approved Cardholders until 11:59 p.m. EST 3/31/2022. Statement credit will be applied to the next billing cycle after net purchase qualification threshold is met within the first 90 days of account opening. Your Aspiration Zero Credit Card account must remain open and be in good standing at the time when the one-time statement credit bonus offer is awarded in order to qualify.
The standard variable APR for purchases is 11.65% to 21.45% max rate, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for balance transfers is 11.65% to 21.45%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for cash advances is Cash Advances is 18.25% to 23.25%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater. Cash advance fee is either $10 or 5% of the amount of each transfer, whichever is greater. Foreign fees are 2% of each transaction in U.S. dollars. Late payment fees are up to $10, returned payment fees are up to $35 and a rush fee of $35 may be charged to your account for expedited card shipment.
U.S. Bank Altitude® Go Visa Signature® Card
- Rewards Rate: Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services, grocery stores, grocery delivery, gas stations, and EV charging stations, and 1X point on all other eligible purchases
- Welcome Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
- Balance Transfer intro APR: 0% APR on balance transfers for 12 billing cycles
- Purchase intro APR: 0% APR on purchases for 12 billing cycles
BestMoney Score
8.4
At A Glance: With the U.S. Bank Altitude® Go Visa Signature® Card, you'll get exceptional rewards on a variety of every day purchases including 4X points on dining and 2X on groceries and streaming services. In addition, this no annual fee card comes with a generous welcome bonus - 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of opening an account.
Upgrade Triple Cash Rewards Visa®
- Rewards Rate: 3% cash back on Home, Auto and Health categories and 1% cash back on other purchases*
- Welcome Offer: Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions†
- Balance Transfer intro APR: None
- Purchase intro APR: None
BestMoney Score
6.2
* Cash back rewards are earned when you pay eligible purchases back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Purchases in Home, Auto and Health categories earn 3% cash back when you pay them back; all other purchases earn 1% with no maximum. Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they primarily sell. We group similar MCCs into categories for purposes of making rewards available to you, but we do not assign MCCs. Merchants set their own MCC, therefore purchases may not fall into the category where you might expect them to appear. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.
† To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Credit Lines opened through Upgrade feature APRs of 8.99%-29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.
† To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Credit Lines opened through Upgrade feature APRs of 8.99%-29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.
Capital One QuicksilverOne Cash Rewards Credit Card
- Rewards Rate: Earn unlimited 1.5% cash back on every purchase, every day
- Welcome Offer: N/A
- Balance Transfer intro APR: N/A
- Purchase intro APR: N/A
BestMoney Score
7.1
At A Glance: Looking to earn cash back but don't have the best credit score? The QuickSilverOne Cash Rewards Credit Card helps you earn money back on purchases while allowing you to build your credit. And even better, it doesn't require a security deposit. If you have a limited credit history or a score that needs a boost, this card is definitely a great choice.
Upgrade Cash Rewards Visa®
- Rewards Rate: 1.50% cash back on payments*
- Welcome Offer: Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions†
- Balance Transfer intro APR: None
- Purchase intro APR: None
BestMoney Score
6.8
* Earn unlimited 1.5% cash back on all purchases when you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Certain limitations apply. Please refer to your Cardholder Agreement for more information.
† To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Credit Lines opened through Upgrade feature APRs of 8.99%-29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.
† To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Credit Lines opened through Upgrade feature APRs of 8.99%-29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.
SoFi
- Rewards Rate: 2% cash back when you redeem to save, invest, or pay off an eligible SoFi loan
- Welcome Offer: Earn up to $100 when you open & fund a SoFi Money account and $50 when you open & fund a SoFi Invest account once approved for the SoFi Credit Card
- Balance Transfer intro APR: None
- Purchase intro APR: None
BestMoney Score
7.5
Terms and conditions apply. This offer is non-transferable and only applies to consumers who receive this communication. To receive the $50 or $100 offer, you must first open a new SoFi Credit Card account starting 3/30/21. To receive the $50 offer, you must also open and fund either a SoFi Money or a SoFi Active Invest account with at least $100 within 30 days of SoFi Credit Card account opening. Once all conditions have been met, you'll receive $50 in chosen account within 7-10 business days. To receive the $100 offer, you must also open and fund both a SoFi Money and SoFi Active Invest account with at least $100 in each account within 30 days of SoFi Credit Card account opening. Once all conditions have been met, you'll receive $50 in both accounts within 7-10 business days. For SoFi Active Invest Accounts, IRAs and Automated Investing is excluded. This offer does not change your responsibility to make the minimum SoFi Credit Card monthly payment due. Your SoFi Credit Card account must be in good standing in order to receive these offers. Limit one offer per person. Offers may not be combined with any other offer. SoFi reserves the right to modify or discontinue this offer at any time without notice.
The standard variable APR for purchases is 12.99% to 24.99%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for balance transfers is 12.99% to 24.99%, based on your creditworthiness.
Your APR will vary with the market based on the Prime Rate. SoFi is currently accepting Balance Transfers from recipients of promotional offers only. We will inform you when this feature is widely available. The standard variable APR for cash advances is 26.99%. This APR will vary with the market based on the Prime Rate. Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases made during the most recent billing cycle if you pay your entire balance (adjusted for any financing plan, if applicable) in full on or before the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. If you are charged interest, the charge will be no less than $1.00.
Balance transfer fee is the greater of $10 or 5% of each balance transfer. Cash advance fee is the greater of $10 or 5% of each cash advance. Late penalty fee is up to $39. Returned payment fee is up to $39.
The standard variable APR for purchases is 12.99% to 24.99%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. The standard variable APR for balance transfers is 12.99% to 24.99%, based on your creditworthiness.
Your APR will vary with the market based on the Prime Rate. SoFi is currently accepting Balance Transfers from recipients of promotional offers only. We will inform you when this feature is widely available. The standard variable APR for cash advances is 26.99%. This APR will vary with the market based on the Prime Rate. Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases made during the most recent billing cycle if you pay your entire balance (adjusted for any financing plan, if applicable) in full on or before the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. If you are charged interest, the charge will be no less than $1.00.
Balance transfer fee is the greater of $10 or 5% of each balance transfer. Cash advance fee is the greater of $10 or 5% of each cash advance. Late penalty fee is up to $39. Returned payment fee is up to $39.
American Airlines AAdvantage MileUp℠ Card
- Rewards Rate: Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on all other purchases
- Welcome Offer: Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- Balance Transfer intro APR: N/A
- Purchase intro APR: N/A
BestMoney Score
7.1
At A Glance: The American Airlines AAdvantage MileUp℠ Card is a great choice for occasional flyers. This $0 annual fee card comes with a few travel perks - 2X miles on eligible American Airlines purchases and grocery purchases, plus an added bonus of a 25% in-flight food and beverage discount on American Airline flights. It also offers a welcome bonus of 10,000 miles and a $50 statement credit after spending $500 on purchases in the first three months of opening an account.
BestMoney Total Score
Our product scores consist of a combination of the following 2 components:
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Products & Features
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
What Are Credit Card Reward Programs?
A credit card reward program offers consumers more than just a line of credit. They offer the chance to earn cash, points, or miles for every dollar you spend. Each rewards program has its own set of rules and redemption process, but a rewards credit card can be advantageous over just using a debit or non-rewards credit card.
Types of Reward Programs
Depending on the type of card you have, you can earn rewards at a flat rate for every purchase or you can earn a bonus amount of rewards on select spending categories. Most cards allow you to convert your rewards into another type of reward. For example, you might be able to convert your travel rewards into redeemable cash.
There are three types of credit card reward programs: cash back, points earned, or travel rewards. Here’s a better look at each type.
- Cash Rewards: Several cash back credit cards allow users to earn about 1% cashback for all purchases made. This is a nice bonus for spending you were planning to do anyway. Some cards have bonus cash back offers for certain spending categories or stores. Cashback credit cards are the easiest to understand because you know upfront what you are earning and can convert your cash back reward into a bank credit or payment statement.
- Points Rewards: Other cards assign point values to spending categories and allow users to redeem points towards cash, gift cards, or travel opportunities. Typically points credit cards earn one point for every $1 spent, but they are worth one cent each.
- Travel Rewards: Travel reward credit cards will help your reward redemption go the farthest in means of traveling. Travel reward cards can be redeemed for free hotel stays or flights and many times come with other travel perks such as added travel insurance. Travel reward credit cards generally earn more perks the more users spend on travel.
Things to look out for
Credit reward programs sound like a dream come true. You are going to spend the money anyways on daily living expenses, so why not get rewarded for it? True, reward credit cards come with their perks, but they also come with a few precautions. Here are a few things to know before signing up for your next reward credit card.
- APR: Some reward credit cards have a high APR which can be costly if you plan to carry a balance. Many times paying interest on purchases will negate any rewards earned. If you cannot pay off your credit card balance each month, consider a lower APR card instead.
- Annual Fee: Some reward credit cards are free to use after a user has been approved and others have an annual fee. Many cards set their annual fee at $95-99, but some cards charge more. Cards with an annual fee shouldn’t be dismissed altogether, though. Some cards with a fee will earn you more rewards than a free rewards credit card.
- Reward partners and redemption: It is good to know how you can redeem your points before signing up for a card. If your card is attached to a specific line of hotels and points can’t be transferred elsewhere, you are limited on your reward choices. Sometimes a card will offer one-to-one point transfer ratios to partner companies to make your rewards go farther.
How to Pick the Right Rewards Card
Look at Your Spending
The best rewards credit card for you is the one that will give you the maximum amount of reward for your spending lifestyle. Take a look at what you typically spend your money on each month. Do you spend more on gas and dining out? Look for a rewards card that gives you extra cash back or points back in those areas. Do you travel a lot for business? A travel rewards card might be better suited for your spending.
Look at How You Want to Redeem Your Rewards
Along with maximizing your reward card spending, pick a card with an easy-to-use reward redemption program. If you are busy and don’t want to hassle with point conversions, then a flat-rate cash back card might be better suited for your needs. However, if you like to spend time researching the best ways possible to maximize credit card points for free travel, then a travel credit card connected to several travel partners might be your best choice.
Look for Cards With the Best Sign-on Promotions
If you have excellent credit, you can take advantage of sign-on bonuses with reward credit cards. Many cards will offer a sign-on bonus for new users with either a 0% APR promotional time period or extra bonus rewards for hitting a spending limit in the first few months. Some cards offer both. Utilizing these sign-on promotions can boost your credit card rewards quickly in the first few months.
