Credit companies offer three types of reward credit cards: cashback, points, or miles based on your eligible purchases. While cashback gives you cash, a points card maximizes reward by earning points per dollar spent. Users can redeem the point for travel, cash back, credits, gift cards, or merchandise. Miles cards are ideal for frequent flyers. They allow you to redeem rewards for flight tickets, airport facilities, and other travel expenses.

Ten best credit card rewards and the card companies to check out

Flat rate cashback rewards

Top flat-rate cash back credit cards are mentioned below:

• Citi Double Cashback Credit card – You get 1% cashback on all purchases and 1% when you make payment, with no annual fee
• Fidelity Rewards Visa Signature Card – You get 2% cashback on all purchases, with no annual fee.

Tiered rate cashback credit cards
Tiered cards earn higher rates in specific spending categories like fuel groceries and a flat rate of 1% on other categories.

Here are some popular top-tiered rate cashback credit cards:

• Blue Cash Preferred Card from American Express – Earn 6% back on $6000 spent on supermarkets, 6% on select streaming services, and 3% on gas.
• Capital One SavorOne cash rewards credit card – It gives 3% cashback on restaurants, grocery stores, select streaming services, and entertainment and 1% cashback on other categories.

Rotating categories
Companies may offer a high cashback rate at about 5% on categories changed every quarter. You will get 1% cashback on other categories.

• Discover it – Earn 5% cashback on each quarter up to the quarterly maximum limit and an additional 1% automatic cashback.
• Chase Freedom Flex – Get 5% cashback on specific categories every quarter and a signing bonus.

Travel rewards
With travel reward cards, you can earn points, rewards, and discounts for hotel rooms, flight seat upgrades, free meals, or free access to airport facilities.

• Capital One Venture Rewards credit card – Get 5 miles per dollar on the cost of hotels and car rents and 2 miles per dollar on other categories. Plus, you get a signing bonus.
• Chase Sapphire Preferred card – You get 60,000 bonus points if you meet travel requirements, 5 points per dollar on travel, 3 points per dollar on dining.

No annual fee
You are exempt from paying an annual fee when you buy these cards but enjoy the card’s rewards.

• Wells Fargo Reflect Car – No need to pay an annual fee and avail yourself of 0% intro APR for 21 months.
• Discover it Chrome – No annual fee, introductory offer of unlimited cashback match for all cashback earned.

Student cashback
Student credit cards are designed for part-time or full-time students with lower interest rates and earn cashback, bonuses, and discounts on essentials.

• Bank of America travel rewards credit cards for students – You get a welcome bonus of 25,000 points.
• Bank of America unlimited cash reward card – You can get an unlimited 1.5% cashback, 0$ annual fee, and a welcome bonus of $200.

Dining
Dining cards offer perks and rewards and earnings over $100 on your dining and restaurant spend.

• American Express Gold Card – Get 4X Membership rewards per dollar for restaurants and supermarkets and 3X points for flights and other purchases.
• US Bank Altitude Go Visa signature card – Make use of the 20,000 points welcome bonus, 4x points on takeout, food delivery, and dining.

Hotel loyalty
A hotel credit card has the name of a hotel, and the user can benefit from perks.

• Hilton Honors American Express surpass card – Offers 3x to 12x points per dollar, introductory bonus points of 130,000, and an annual fee of $95.
• Marriott Bonvoy Boundless credit card – Offers 2x-17x points per dollar introductory bonus of 100,000 points.

Rewards for families
Credit Cards for families help earn points across those categories a family is likely to spend a lot.

• Chase Freedom Flex – Get a 5% cashback on specific categories every quarter and a welcome bonus of $200 and no annual fee.
• Blue Cash Preferred Card from American Express: Earn 6% back on $6000 spent on supermarkets, 6% on select streaming services and 3% on gas.

Road trips
Credit cards for road trips earn points for miles, fuel, travel, car rentals, and dining.

• Capital One Venture Rewards credit card – Get a welcome bonus of 60,000 miles, an annual fee of $95, 5x miles on hotel and car rentals.