Best Points Rewards Credit Cards

Apply online for the top points cards or dive deeper to write and read reviews: Updated January 2024

10 Cards in Total

Points credit cards are perfect for people who want the flexibility to redeem rewards for a variety of items even though studies show that the typical points earner ends up using them for travel. Nonetheless, having options is never a bad thing so if you're undecided as to whether you want a straight cash back card or being attached to a specific retailer/airline, a points based credit card program would make alot of sense. You will also notice that many of these programs, like airline and cash back cards, also come with sign-up bonuses.

CreditCardReviews.com is an independent, advertising-supported comparison service. Many of the offers that appear on this site are from companies from which CreditCardReviews.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCardReviews.com does not include the entire ecosystem of credit offers available to the US market. CreditCardReviews.com has partnerships with issuers and referral platforms including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, Well Fargo, and Cardratings.
star-icon

5.0

/ 5

1 Ratings & Reviews

square-lock

on the Capital One website

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.99% - 29.99% (Variable)

Annual Fee

$95

Recommend Credit Score

690 - 850

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

See Pay Over Time APR

Annual Fee

$250

Recommend Credit Score

720 - 850

The perfect card to earn everyday points and rewards, especially if you’re a fan of eating out. With this card, you will receive 60,000 Membership Rewards® points after $6,000 worth of eligible purchases within the first 6 months, 4X Membership Rewards® Points at Restaurants (including takeout/delivery) in the US, up to $120 per year in Uber Cash for eats or rides if you use your card with your Uber account, and up to $120 in Dining Credit at select restaurant chains including Grubhub, The Cheesecake Factory and Goldbelly.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.24% - 27.24%

Annual Fee

$95

Recommend Credit Score

720 - 850

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49%-28.49%

Annual Fee

$95

Recommend Credit Score

720 - 850

A great travel card, with a range of points and benefits, and Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Earn 60,000 bonus points after you spend $4,000 in the first 3 months. If you then redeem these through Chase Ultimate Rewards®, you will receive 25% more value, with a redeemed value of $750. Enjoy 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.

star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

22.49%-29.49%

Annual Fee

$550

Recommend Credit Score

720 - 850

This is a brilliant card for higher-end travelers, looking for perks to use while on vacation. One example is the 600,000 bonus points you will receive after you spend $4,000 in the first 3 months of owning the card. If you redeem through Chase Ultimate Rewards®, that translates to $900 towards your trip. You will also receive $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year, and your card will unlock access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select.

star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.24%

Annual Fee

$95

Recommend Credit Score

720 - 850

There is no expiration date and no limit to the amount of points you can earn with this card, and there are no foreign transaction fees on purchases. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels, 3 Points per $1 spent at Restaurants and Supermarkets, and 1 Point per $1 spent on all other purchases. On top of this, receive 60,000 bonus ThankYou® Points (redeemable as $600 in gift cards or travel rewards at thankyou.com) after you spend $4,000 within the first 3 months of opening your account.

star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

0%

Intro Transfer APR

0%

Regular APR

18.74% - 28.74%

Annual Fee

$0

Recommend Credit Score

720 - 850

The only credit card on the market that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 you spend per year and then 1X Points thereafter (1X ThankYou® Points on All Other Purchases). Receive 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel℠ portal until June 30, 2024. Enjoy 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of opening your account (redeemable for $200 in gift cards at thankyou.com).

star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

0%

Intro Transfer APR

0%

Regular APR

18.24% - 28.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

Enjoy 0% APR on balance transfers for 21 months (starting with the date of first transfer), and 0% Intro APR for 12 months on purchases from the date you opened your account. This card will also allow you free access to your FICO® Score online, and get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more, via Citi Entertainment®.

square-lock

on the Capital One website

Intro Purchase APR

0% intro on purchases for 15 months

Intro Transfer APR

0% intro on balance transfers for 15 months

Regular APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Recommend Credit Score

690 - 850

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

0% intro APR

Intro Transfer APR

N/A

Regular APR

20.24%, 25.24%, or 29.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • 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.