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7 Excellent Rewards Credit Cards of 2023
A rewards credit card can help you earn cash back, travel rewards, and other perks with everyday purchases. Compare these products from our partners to find the one for you.
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NerdWallet's Excellent Rewards Credit Cards of 2023
Wells Fargo Active Cash® Card: Best for Cash back — high flat rate + incentives
Chase Sapphire Preferred® Card: Best for Airline Miles and a Large Bonus
Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
Capital One Venture Rewards Credit Card: Best for Flat-rate travel rewards
Capital One SavorOne Cash Rewards Credit Card: Best for Dining and Groceries + No Annual Fee
Citi Custom Cash℠ Card: Best for Lucrative Rewards for Everyday Spending
Wells Fargo Autograph℠ Card: Best for Bonus Rewards + No Annual Fee
Excellent Rewards Credit Cards From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
| Excellent for Cash back — high flat rate + incentives | $0 | 2% | $200 | Apply Now on Wells Fargo's website | |
| Excellent for Airline Miles and a Large Bonus | $95 | 1x-5x | 60,000 | Apply Now on Chase's website | |
| Excellent for Cash-Back Pairing with Chase Sapphire Preferred® | $0 | 1.5%-6.5% | $300 | Apply Now on Chase's website | |
| Excellent for Flat-rate travel rewards | $95 | 2x-5x | 75,000 | Apply Now on Capital One's website | |
| Excellent for Dining and Groceries + No Annual Fee | $0 | 1%-10% | $200 | Apply Now on Capital One's website | |
| Excellent for Lucrative Rewards for Everyday Spending | $0 | 1%-5% | $200 | Apply Now on Citibank's application | |
| Excellent for Bonus Rewards + No Annual Fee | $0 | 1x-3x | 20,000 | Apply Now on Wells Fargo's website |
Excellent for: Cash back — high flat rate + incentives
Apply Now
on Wells Fargo's website
Annual fee
$0
Rewards rate
2%
CashbackIntro offer
$200
Recommended Credit Score
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- View Rates & Fees
Apply Now
on Wells Fargo's website
Excellent for: Airline Miles and a Large Bonus
Apply Now
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
PointsIntro offer
60,000
PointsRecommended Credit Score
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Apply Now
on Chase's website
Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®
Apply Now
on Chase's website
Annual fee
$0
Rewards rate
1.5%-6.5%
CashbackIntro offer
$300
Recommended Credit Score
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Apply Now
on Chase's website
Excellent for: Flat-rate travel rewards
Apply Now
on Capital One's website
Annual fee
$95
Rewards rate
2x-5x
MilesIntro offer
75,000
MilesRecommended Credit Score
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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 a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Apply Now
on Capital One's website
Excellent for: Dining and Groceries + No Annual Fee
Apply Now
on Capital One's website
Annual fee
$0
Rewards rate
1%-10%
CashbackIntro offer
$200
Recommended Credit Score
- Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Apply Now
on Capital One's website
Excellent for: Lucrative Rewards for Everyday Spending
Apply Now
on Citibank's application
Annual fee
$0
Rewards rate
1%-5%
CashbackIntro offer
$200
Recommended Credit Score
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- View Rates & Fees
Apply Now
on Citibank's application
Excellent for: Bonus Rewards + No Annual Fee
Apply Now
on Wells Fargo's website
Annual fee
$0
Rewards rate
1x-3x
PointsIntro offer
20,000
PointsRecommended Credit Score
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
- $0 annual fee
- 0% intro APR for 12 months from account opening on purchases. 19.99%, 24.99%, or 29.99% variable APR thereafter
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
- Select “Apply Now” to learn more about the product features, terms and conditions.
- View Rates & Fees
Apply Now
on Wells Fargo's website
