Best Rewards credit cards of 2020

By: Heather Hanks May. 07, 2019

Picking out a credit card can be hard. There are so many options available and every company fights for your business. Why not be rewarded for all your hard work by shopping for the best rewards credit cards? We’ve done your homework for you by complaining a list of the credit cards with best rewards. A rewards card can help you get cash back for your purchases. With a rewards card, you can earn a certain percentage of your money back at places that matter, such as the gas station, grocery store, and restaurants. You can also get cash back when you shop online at Amazon and other stores. Each of the following credit cards has different options when it comes to the money you earn back. We’ve made it easy for you by narrowing down the best credit cards for rewards.

Below, you’ll find our top picks for the best credit cards with rewards based on different factors.

Our pick for

Travel rewards and a large bonus credit cards

A rewards card helps you get money back on the purchases you’re already making. It’s the creditor’s way of saying thank you for choosing them! Investing in a rewards card is a great way to boost your credit while getting money back at the same time. Scroll through our top picks and see which is best for you. We’ve provided a summary of the key findings for each card. Choose the Chase Sapphire Card if you travel a lot and like to get rewarded for it. You’ll get two points for every dollar you spend on dining and travel. Plus, you get one point for every dollar you spend elsewhere. The points are worth more when you use Chase to book your travel ventures through.

Chase Sapphire Preferred® Card

ANNUAL FEE

$95

REGULAR APR

17.99% - 24.99% Variable APR

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Easy-to-use travel rewards credit cards

Capital One® Venture® Rewards Credit Card

ANNUAL FEE

$95

REGULAR APR

14.74% - 24.74% Variable APR

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Bonus category cash back credit cards

Need a card that doesn’t focus on travel? Try the Discover It Cash Back. You’ll get 5% back at gas stations, grocery stores, Amazon, and restaurants. Plus, you’ll get 1% cash back on all other purchases. Rewards cards are a great way to get back on money that you’re already spending! Take a look at our top picks and click on the credit card you’re interested in for more information. No matter what you’re spending your money on, it’s nice to get some back!

Discover it® Cash Back

ANNUAL FEE

$0

REGULAR APR

13.99% - 24.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 14 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Flat-rate cash credit cards

Capital One® Quicksilver® Cash Rewards Credit Card

ANNUAL FEE

$0

REGULAR APR

14.74% - 24.74% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 15 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Families credit cards

For example, our pick for the best family credit card is the Blue Cash Preferred Card from American Express. It features a five-star rating and an annual fee of $95. You can expect a regular APR of 14.99% to 25.99% depending on your credit and an intro APR of 0% on balance transfers and purchases for one year. You’ll need a credit score of at least 690 to apply and you’ll earn $200 cash back after you spend $1,000. Most families find that this is easy to do when stocking up on supplies for the whole family!

Blue Cash Preferred® Card from American Express

ANNUAL FEE

$95

REGULAR APR

14.99% - 25.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 12 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

High reward rates and no annual fee credit cards

If you prefer not to pay annual fees, then go with the Wells Fargo Propel American Express Card. It only takes a few minutes to apply and you won’t have to pay an annual fee at all. Just use your card and receive the benefits!

Wells Fargo Propel American Express® Card

ANNUAL FEE

$0

REGULAR APR

14.49% - 26.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 12 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Flat-rate cash back credit cards

Citi® Double Cash Card – 18 month BT offer

ANNUAL FEE

$0

REGULAR APR

15.49% - 25.49% Variable APR

INTRO APR

0% on Balance Transfers for 18 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Customized rewards credit cards

The best customized rewards card is the U.S. Bank Cash + Visa Signature Card. You’ll earn $150 after you make a $500 purchase within the first 90 days of opening your account. Plus, you can use Cash+ with your phone to enjoy mobile payments while still getting rewarded. We’ve narrowed down the best rewards credit cards 2019 so you don’t have to shop around. Our experts are standing by to answer your questions about which rewards card is best for you. Don’t be afraid to reach out to us with questions! Remember that we don’t make legal advice, but we are here to help.

U.S. Bank Cash+™ Visa Signature® Card

ANNUAL FEE

$0

REGULAR APR

15.99% - 24.99% Variable APR

INTRO APR

0% Intro APR* on balance transfers for 12 billing cycles

RECOMMENDED CREDIT SCORE

690 - 850

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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