- Earn rewards with your everyday spend, and get a little closer to your next vacation.
- Use rewards to book hotels, air travel, gift cards, or to cover travel expenses like Uber.
- Loyalty pays off - earn additional rewards when you use your card to book a qualifying trip with your favorite hotel or airline.
- Enjoy additional travel perks like travel insurance, waived foreign transaction fees, and airport lounge access.
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking Apply Now will take you to CreditCards.com where you can compare Travel Rewards cards from participating partners.
Make Lemonade is not a lender, broker or investment adviser. We are a free, independent and unbiased website to help empower you to make more informed financial decisions. The rates and terms contained herein are estimates, net of autopay (if applicable) and may change at any time and/or differ from your final rate and terms. Make Lemonade may receive compensation from its affiliate partners, including CreditCards.com. For disclosures from SoFi, please click here. For disclosures from College Ave, please click here. For more information, please see our Advertiser Disclosure.
What are credit card rewards?
Credit card rewards are rewards that you can earn for spending money on a credit card. For every dollar you spend, the top rewards credit cards will give you points toward certain rewards, which can include travel, cash back or other items such as electronics. For the best credit cards rewards programs, you can redeem travel for airfare with multiple airlines or to stay at hotels. Some top credit cards enable you to earn cash back for every dollar you spend. Credit cards with good rewards for cash back will give you a percentage of your monthly spending. You then receive cash back or a gift cards that you can use with online retailers.
What should you know about the best rewards cards?
If you are looking for the best credit card rewards programs, then it is important to know that the best rewards cards help you earn benefits for every dollar that you spend. If you choose credit cards with good rewards, then your rewards points can add quickly. With top rewards credit cards, you can redeem your points for anything from travel to electronics.
How do you find the best rewards credit card?
To find the best rewards cards, you should consider several things before selecting the best rewards credit card for you. When you evaluate the best reward credit card offers, you should compare credit cards rewards based on your spending habits.
1. Analyze your spending
When you analyze your spending, it will help you determine which is the best credit card rewards programs for you. The reason is simple: credit cards rewards programs vary by credit card. There are multiple top rewards credit cards from which to choose. The first step is to analyze how much you spend in each category. Common categories for the best credit card rewards programs include travel, airlines, hotels, rental cars, gas, groceries and restaurants. Once you determine your personal spending habits, you can compare credit cards rewards based on your spending. If you are spending more in a certain category such as travel, you can choose the best rewards card in travel, for example. Most of the top rewards credit cards help you redeem rewards for points, cash back or gift cards that you can use for travel, airlines, hotels or with online retailers.
2. Determine if you regularly have a credit card balance
The best rewards credit card offers have high interest rates. This is the trade-off with the attractive, best rewards cards. Your best option for top rewards credit cards is to carry no credit balance each month. Therefore, pay your credit card balance in full. Otherwise, even with the best reward credit card offers, the interest rate can be more than the rewards.
3. Check the annual fee
Most credit cards with good rewards come with an annual fee, as do many credit cards. Make sure you compare credit cards rewards to ensure that your annual spending will yield more points than the annual fee. A rule of thumb is to spend at least $1,000 annually on your best rewards credit card to ensure the rewards pay off.
4. Make sure to redeem your rewards
With the best rewards cards, it’s great to earn miles and points. You can watch your points and mile balance increase when you have the top rewards credit cards. However, make sure to redeem those points and miles. The whole point of credit cards rewards programs is to take advantage of the great rewards. So, remember to redeem those point balances.
5. Understand the rewards rates
The best credit card rewards programs each have different rewards rates. This means that even the best rewards cards may help you earn rewards differently. For example, when you compare credit cards rewards, make sure to understand that how many points you earn for every dollar you spend. A good rule of thumb is you typically earn in rewards 1-2% of what you spend.
You can compare credit cards rewards and find the top rewards credit cards on Make Lemonade.
Who should get the top rewards credit cards with the best credit cards rewards programs?
Credit cards rewards programs are best for people who pay off their credit card balance in full each month. Why? If you carry a credit card balance, the interest rate can be costly. In fact, with the top rewards credit cards, the interest rate can be higher than the rewards themselves. Therefore, make sure to pay off your full credit card balance each month.
How do you get approved for the best rewards credit card?
To get approved for the best reward credit card offers, you need to have strong credit. The stronger your credit, the higher likelihood that you will be approved for credit cards with good rewards.To get approved for top rewards credit cards, credit card companies will evaluate your credit profile, income, other debt and your history of financial responsibility.
What is the best rewards credit card for me?
The best rewards credit card for you is based on your personal preference. There are no “best rewards cards” for everyone. Rather, the best rewards credit card is the one that you prefer based on your spending habits and rewards preferences. For example, when you compare credit cards rewards, you can begin by analyzing your spending. Determine where you spend the most money, whether it is travel, airlines, hotels, rental cars, groceries, gas or restaurants. This process will help you better understand your spending habits and categories of spending. Then, you can determine the best credit cards rewards programs that help you maximize rewards in these categories. Finally, you can choose the best rewards cards for you based on whether you want to earn points, airline miles or cash back.
How do you redeem points with the best rewards cards?
If you compare credit cards rewards, you will find that you can redeem points for just about anything, ranging from travel to cash back. The best reward credit card offers can be redeemed anytime online with your credit card company. Log into your account, and you will see your credit cards point balance. The top rewards credit cards have rewards to redeem online, including for travel such as airlines and hotels, or cash back or gift cards with retailers. The best rewards cards allow you to redeem points the way you want to when you want to.