What are the best rewards credit cards available now? This article is aimed at highlighting and discussing some of the best rewards credit cards to apply for in 2022 and beyond. In the meantime, the best rewards credit card goes beyond just points and miles. With the right rewards credit card, you can save up on shopping, travel, and lifestyle.
It is usually designed to suit your taste, lifestyle, and expenses while allowing you to enjoy a plethora of bonuses and perks. Aside from being rewarded for your shopping, the best rewards cards offer a vast welcome bonus as well as a wide variety of features and perks like cost-saving purchases and travel coverage.
While they may be drawbacks including, annual fees, APRs, and minimum credit scores. But there are various ways to determine whether the credit card is worth it. Read through this article for steps and guidelines on how to select the best and top rewards credit cards for 2022 and beyond.
7 Best Rewards Credit Card
With so many rewards credit cards online, searching for the right card might be taking and even time-consuming, especially for novices. But to make your journey easier, we have compiled the best and top rewards credit cards to shop for. Check out our list below;
- Chase Freedom Unlimited
- Capital One Venture Rewards Credit Card
- Chase Sapphire Preferred Card
- Wells Fargo Active Cash Card
- Capital One SavorOne Cash Rewards Credit Card
- Discover It Cash Back
- Amazon Prime Rewards Visa Signature Card
Chase Freedom Unlimited
One of the best rewards credit cards to apply for is Chase Freedom Unlimited. This credit card allows you to earn an extra 1.5% cash back worth $300 for your first year. Unlike other credit cards, this card provides its users with a 0% intro APR for 15 months starting from account opening on purchases and balance transfers. You can get rewards on travel, dining, drugstores, and other purchases.
Another amazing benefit of using this card is that you cash back a reward that doesn’t expire as far as your account is open. Based on research, this card was also designed to provide its users with peace of mind. It covers new purchases for up to 120 days against theft from $500 per claim and $50,000 per account.
You will never be held for unauthorized charges made using your card. In addition, you can get access to a free credit score check, auto rental collision damage waiver, and fraud monitoring. It is the best rewards credit card to apply for. You can start your application online by visiting their official website.
Capital One Venture Rewards Credit Card
Another top reward card to check out is Capital One Venture Rewards Credit Card. This card is designed to provide its users with unlimited rewards and benefits. You can earn unlimited 2 miles per dollar on all purchases with 5 miles per dollar on hotels and rented cars booked through Capital One travel. In addition, you can earn 75,000 bonus miles once you spend $4,000 on purchases in the first three months of opening your account.
It is one of the best rewards credit cards for travelers. Plus, it is simple and durable to make use of. Note that; it offers an annual fee of $95.You can conveniently apply for this card online via their official website with your correct information and details. However, ensure to check your eligibility before applying for the card.
Credit Scored Required: 670-850
Chase Sapphire Preferred Card
With this credit card, you can earn 60,000 bonus points once you spend $4,000 on purchases made in the first three months from account opening. You can redeem your rewards through an airfare of $750, Hotels of $750, and Cash of $600. Also, you get a flexible 5 points on flights and 10 points on hotel and car rentals through chase ultimate rewards.
Other benefits offered by the card include $0 foreign truncation fees, zero liability protection, trip cancellation, and more. However, it offers an annual fee of $95. You can also apply for this credit card online, simply visit their website to check your eligibility and apply.
Credit Score Needed: 700-749
Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card is another best rewards credit card that offers you a plethora of benefits and cashback. You can earn a $200 cash bonus once you spend $1000 on purchases made in the first three months. Additionally, you can earn limitless 2% cash rewards on purchases. And just like Chase Freedom Unlimited, it offers a 0$ Annual fee.
Other benefits offered by the credit card include; Cell phone protection, and security feature, Lastly, you can get a zero liability protection feature and access to your account via the Wells Fargo mobile app. New and existing wells Fargo customers can apply for this card via their official website.
Credit Score Needed: 670-850
Capital One SavorOne Cash Rewards Credit Card
This credit card is one of the best reward cards for dining and grocery shopping and it comes with a zero annual fee. You can earn limitless 3% cash back on entertainment, popular streaming services, grocery stores, and dining. For every $500 spend on purchases within the first 3 months of opening your account, you get $200 cash back.
In addition, you can earn a 5% bonus on hotels and rental cars booked through capital one travel. And also earn 8% cash back on capital one entertainment spending and tickets at vivid seats. To apply for this credit card you can visit their official website to start your application process.
Credit Score Required: 650 -850
Discover It Cash Back
This is another top-rated reward credit card with a wide range of benefits and perks. You get the opportunity of earning a 5% bonus on everyday purchases at various places such as Amazon.com, grocery stores, restaurants, gas stations, and more.
Also, earn 1% cash back on every other purchase completed automatically. It offers a zero annual fee and a zero foreign transaction fee compared to other standard credit cards. Discover it Cash Back is a credit card worth applying for due to its plethora of features and advantages. Visit the official website of Discover it to apply for this credit card.
Credit Score needed: 670-850
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card is another best rewards card for existing prime members who shop at Amazon and Whole Foods. As a Cardholder, you can earn an Amazon Gift Card Bonus without spending requirements, and zero foreign transaction fees. Also, you get an Unlimited 5% cash back at Amazon and Whole Foods and a Visa signature benefit.
Credit Score Needed: 700-749