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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 7 Excellent Rewards Credit Cards of 2023
- Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
- 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
- Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
- Chase Sapphire Preferred® Card: Best for Airline Miles and a Large Bonus
- American Express® Gold Card: Best for Big Rewards on Everyday Spending
- Wells Fargo Autograph℠ Card: Best for Bonus Rewards + No Annual Fee
Excellent Rewards Credit Cards From Our Partners
Excellent for
Cash Back — High Flat Rate + Incentives
Apply Nowon Wells Fargo's website
Rates & FeesAnnual Fee$0
Intro APR0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Regular APR19.74%, 24.74%, or 29.74% Variable APR
Recommended Credit Score
- Earn a $200 cash rewards bonus after spending $1,000 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 19.74%, 24.74%, or 29.74% 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 Nowon Wells Fargo's website
Excellent for
Flat-Rate Travel Rewards
Apply Nowon Capital One's website
Annual Fee$95
Intro APRN/A
Regular APR20.74%-28.74% Variable APR
Recommended 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 Nowon Capital One's website
Excellent for
Dining and Groceries + No Annual Fee
Apply Nowon Capital One's website
Annual Fee$0
Intro APR0% intro APR for 15 months on purchases and balance transfers
Regular APR19.74%-29.74% Variable APR
Recommended Credit Score
- Earn a one-time $200 cash bonus after you spend $500 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 Nowon Capital One's website
Excellent for
Cash-Back Pairing with Chase Sapphire Preferred®
Apply Nowon Chase's website
Annual Fee$0
Intro APR0% intro APR for 15 months on purchases and balance transfers
Regular APR19.49%-28.24% Variable APR
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 19.49% - 28.24%.
- 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 Nowon Chase's website
Excellent for
Airline Miles and a Large Bonus
Apply Nowon Chase's website
Annual Fee$95
Intro APRN/A
Regular APR20.49%-27.49% Variable APR
Recommended 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 a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, 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.
Apply Nowon Chase's website
Excellent for
Big Rewards on Everyday Spending
Apply Nowon American Express' website
Rates & FeesAnnual Fee$250
Intro APRN/A
Regular APRSee Pay Over Time APR
Recommended Credit Score
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- View Rates & Fees
Apply Nowon American Express' website
Excellent for
Bonus Rewards + No Annual Fee
Apply Nowon Wells Fargo's website
Rates & FeesAnnual Fee$0
Intro APR0% intro APR on Purchases for 12 months
Regular APR19.74%, 24.74%, or 29.74% Variable APR
Recommended 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. 19.74%, 24.74%, or 29.74% 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 Nowon Wells Fargo's website
