When it comes to credit card rewards, the right card can help you save money on daily expenses, earn free or discounted travel, and get annual benefits that put money back into your pocket year after year. To help you find the best rewards credit card for 2025, we've compiled a list of the top picks and explained how they work.
Top Rewards Credit Cards for 2025:
Chase Freedom Unlimited®
- Best for combining rewards
- Annual fee: $0
- Welcome offer: Earn a $200 bonus after spending $500 in your first 3 months
- Rewards rate: 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, 1.5% on all other purchases
- Why we like it: Chase Freedom Unlimited is a great cash-back card with a minimum 1.5% back on every purchase (plus higher earnings in rewards categories) that can be great for making sure you get the most out of every dollar you spend.
Capital One Venture Rewards Credit Card
- Best for simple travel rewards
- Annual fee: $95
- Welcome offer: Earn 75,000 miles after spending $4,000 on purchases in the first 3 months – that’s equal to $750 in travel
- Rewards rate: 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, 2x miles on all other purchases
- Why we like it: It doesn’t get easier to earn travel rewards than with the Capital One Venture card. With 2x miles on every purchase, you can easily rack up rewards toward future travel with everyday purchases and travel bookings alike.
Chase Sapphire Preferred® Card
- Best overall
- Annual fee: $95
- Welcome offer: Earn 60,000 bonus points after spending $5,000 in the first 3 months
- Rewards rate: 5x points on travel purchased through Chase Travel℠, 3x points on dining, select streaming services, and online groceries, 2x points on all other travel purchases, 1x points on all other purchases
- Why we like it: Though it does charge $95 annually, the Chase Sapphire Preferred is a great example of a rewards credit card that can have value far beyond its annual fee. You can easily make up the cost whether you travel often or only a few times per year.
Capital One Savor Cash Rewards Credit Card
- Best for everyday and travel cash back
- Annual fee: $0
- Welcome offer: Earn $200 cash back after spending $500 on purchases in the first 3 months
- Rewards rate: 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target), 1% cash back on all other purchases
- Why we like it: The Capital One Savor Cash Rewards card has some of the most versatile rewards categories from a cash-back card today. It earns 3% cash back across a few main categories that cover a broad range of purchases.
Blue Cash Preferred® Card from American Express
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