Best rewards credit cards of November 2023
Robin Saks Frankel
Verified by an expert“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 3:41 p.m. UTC Nov. 28, 2023
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Whether you seek to earn rewards at the grocery store, for online shopping, for paying rent or for something else, we can help. The best credit card for you will depend on your spending patterns, what redemption options you need — cash back vs. transferring points to travel partners, for example — and whether you’re willing to pay an annual fee. We’ve analyzed a broad swath of rewards credit cards, from a variety of issuers, to curate a list of the very best.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 50+ cards analyzed.
- 8 data points considered.
- 5-step fact-checking process.
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Wells Fargo Autograph℠ Card
Welcome Bonus
Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Generous rewards rate across a wide range of categories.
- No annual fee.
- Introductory APR period on purchases.
- Minimal cardholder perks compared to other cards.
- Potentially high purchase APR after the introductory period.
- Lacks an intro APR period on balance transfers.
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best rewards credit cards of November 2023
Best cash-back card for businesses
Ink Business Cash® Credit Card
Welcome Bonus
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- No annual fee.
- Rich rewards rate in areas where businesses are likely to spend the most.
- Employee cards at no additional cost.
- There’s a foreign transaction fee.
- Bonus categories are capped at $25,000 in spending each account anniversary year.
- Lackluster rewards outside of bonus categories.
Card Details
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for travel rewards
Chase Sapphire Reserve®
Welcome Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Up to $300 annual travel credit and Priority Pass Select lounge access.
- Redeem points for 50% more value to book travel through Chase’s portal.
- Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
- High annual fee.
- Not ideal if you aren’t interested in transferring points.
- May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Best for travel rewards on a budget
Chase Sapphire Preferred® Card
Welcome Bonus
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®.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Flexible points that can be transferred to 14 travel partners or redeemed through Chase Ultimate Rewards® at 1.25 cents each.
- $50 annual statement credit toward Ultimate Rewards hotel bookings.
- Valuable travel protections.
- $95 annual fee.
- Category bonuses are limited and not competitive against other travel cards.
- Transfer partner list is limited compared to programs like Amex Membership Rewards and Citi ThankYou.
Card Details
- 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
Best for renters
Bilt World Elite Mastercard®
Welcome Bonus
N/A
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Earns rewards on rent payments.
- No transaction fee for paying rent by credit card.
- No annual fee or foreign currency conversion fee.
- You must make five transactions per billing period to earn rewards.
- No welcome bonus or intro APR period.
- Restrictive definition of what counts as a travel purchase.
Card Details
- $0 annual fee
- Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
- Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
- Earn points when you make 5 transactions that post each statement period
- Cell Phone Protection
- Purchase Security (theft and damage protection)
- World Elite Concierge
- Lyft Credits
- No foreign currency conversion fee
- Rewards & benefits terms
- Select ‘Apply Now’ to learn more about the product features, terms, and conditions.
Best for dining and restaurants
American Express® Gold Card
Welcome Bonus
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Up to $240 in combined credits for Uber Cash and on select dining.
- High rewards rate on restaurants, U.S. supermarkets, and travel.
- Generous welcome bonus.
- $250 annual fee.
- Minimal travel perks.
- Complex rewards structure.
Card Details
- Earn 60,000 Membership Rewards® points after you spend $6,000 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.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Best for groceries at U.S. supermarkets and select streaming services
Blue Cash Preferred® Card from American Express
Welcome Bonus
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Earns generous cash back in numerous categories.
- Intro APR periods on purchases and balance transfers.
- Generous welcome bonus.
- Ongoing annual fee.
- Annual spending cap on elevated earnings at U.S. supermarkets.
- Redemptions are only in the form of statement credits.
Card Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Best companion rewards card
Citi Custom Cash® Card
Welcome Bonus
Earn $200 in cash back after you spend $1500 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.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- No annual fees.
- Easy-to-redeem cash-back rewards.
- Introductory APR period.
- Charges foreign transaction fees.
- There’s a balance transfer fee.
- Limited cash-back reward categories.
Card Details
- 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 19.24% – 29.24%, 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.
Best rewards credit card
Chase Freedom Flex℠
*The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Generous cash-back potential if you maximize rotating categories.
- Can pool rewards with a premium Ultimate Rewards®-earning card.
- Low intro APR periods on purchases and balance transfers.
- Rotating categories must be activated quarterly.
- Not all rotating categories will be a good fit for every cardholder.
- Takes work to track the various rewards categories.
Card Details
- Annual fee: $0.
- Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
- Welcome bonus: Earn a $200 bonus after spending $500 on purchases in the first three months of account opening.
- APR: 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.
- Perks and benefits: Cellphone protection of up to $800 per claim with a $50 deductible, trip cancellation and interruption insurance, auto rental collision damage waiver, travel and emergency services, purchase protection and extended warranty.
Best for cash back
Alliant Cashback Visa® Signature Credit Card
*The information for the Alliant Cashback Visa® Signature Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
N/A
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Exceptional flat cash-back rate if you qualify.
- No category restrictions.
- No annual fee or foreign transaction fees.
- Rewards cap on the highest cash-back rate.
- No welcome bonus.
- No introductory APR period.
Card Details
- Annual fee: $0.
- Rewards: 2.5% cash back on up to $10,000 spent each billing cycle with qualifying accounts and all other purchases earn 1.5%.
- Welcome bonus: None.
- APR: 17.49% to 27.49% variable APR on purchases and balance transfers. A balance transfer fee of 3% of each transfer applies.
- Foreign transaction fees: None.
- Perks and benefits: Purchase security, travel accident insurance, auto rental collision damage waiver, extended warranty protection.
Best for households
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
*The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
Get a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- 6% cash back often beats what several retailer’s own co-branded credit cards earn.
- Wide selection of merchants to choose from for the 6% categories.
- The annual fee is waived your first year with the card.
- After the first year, $95 annual fee.
- Quarterly caps on 6% and 3% cash-back earnings.
- No intro APR period.
Card Details
- Annual fee: $0 intro annual fee for the first year, then $95.
- Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
- Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.
- APR: 19.74% to 29.74% variable APR on purchases and balance transfers. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
- Foreign transaction fees: 3% of each foreign transaction.
- Perks and benefits: Visa Signature Concierge, purchase security, return protection and extended warranty.
Best for Amazon shopping
Prime Visa
*The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
As a Prime member, get a $200 Amazon Gift Card instantly loaded into your Amazon account’s Gift Card Balance upon approval of your credit card application.
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- Generous rewards rate on Amazon purchases.
- No minimum redemption for cash back.
- Doesn’t charge an annual fee or foreign transaction fee.
- Requires an Amazon Prime membership.
- Rewards are just OK for purchases outside Amazon and Whole Foods.
- Welcome bonus is low compared to some competing cards.
Card Details
- Annual fee: $0 with Prime membership.
- Rewards: 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
- Welcome bonus: $200 Amazon gift card for Prime members upon approval.
- APR: This card does not offer traditional 0% intro APR periods. However, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from six to 18 months on qualifying purchases of $50 or more. After that a variable APR of 19.49% to 27.49% applies. A balance transfer fee of either $5 or 4% of each transfer, whichever is greater, applies.
- Foreign transaction fees: None.
- Perks and benefits: Visa Signature Concierge, extended warranty, purchase protection, baggage delay insurance, lost luggage reimbursement, travel accident insurance and the option for promotional financing (without rewards) on purchases of $50 or more.
Best for Costco shopping and gas
Costco Anywhere Visa® Card by Citi
*The information for the Costco Anywhere Visa® Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
N/A
Annual Fee
Regular APR
Credit Score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Editor’s Take
- No annual fee.
- Good rewards rates on Costco purchases, gas, restaurants and travel.
- No foreign transaction fees.
- You must keep your Costco membership open.
- Rewards can expire.
- 4% cash-back rate on gas has an annual cap.
Card Details
- Annual fee: $0 (with paid Costco membership).
- Rewards: 4% cash back on gas and EV charging for the first $7,000 per year then 1%, 3% cash back on restaurants and travel purchases, 2% cash back at Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply.
- Welcome bonus: None.
- APR: 20.49% variable APR on purchases and balance transfers. Balance transfers must be completed within two months from account opening and a fee of either $5 or 5% of each transfer, whichever is greater, applies.
- Foreign transaction fees: None.
- Perks and benefits: Damage and theft purchase protection, access to concerts, sporting events and more with Citi Entertainment.
Best rewards for students
Discover it® Student Cash Back
*The information for the Discover it® Student Cash Back has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Welcome Bonus
Intro Offer: Unlimited Cashback Match™ – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.