The Top 5 Credit Cards for Maximum Rewards and Benefits
Updated: May 22
Credit cards can be a great way to manage your finances and earn rewards for your spending. With so many credit card options available, it can be overwhelming to choose the right one. Some of the best credit cards also mean having good credit. In this post, we'll go over the best credit cards for maximum rewards and benefits, so you can make an informed decision.
1. American Express Blue Cash Preferred: *(Best Card for Groceries and Streaming)
This card is great for families, as it offers the following...
6% cashback on purchases at U.S. supermarkets (up to $6,000 per year)
6% unlimited cashback on streaming services
3% unlimited cashback on purchases at U.S. gas stations and transit.
1% unlimited everything else
0% APR for 12 months on purchases
There is also a $350 cashback bonus if you spend $3,000 in the first six months. You can apply and earn a bonus here.
2. Chase Sapphire Preferred: (Best Card for frequent travelers)
If you are constantly on the go, this is a great card for everyday travel purchases.
Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards
Earn 5x total points on travel purchased through Chase Ultimate Rewards
Earn 3x points on dining, including eligible delivery services, takeout and dining out.
Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
Earn 3x points on select streaming services.
Plus, earn 1 point per dollar spent on all other purchases
2x points on travel and dining purchases.
Get 25% more point value when redeemed for travel
You can also earn 80,000 bonus points after spending $4,000 on purchases in the first three months, which is worth $1,000 in travel rewards.
3. Chase Freedom Unlimited: (Best Card for Cashback)
This card is perfect for those who want simple, unlimited cashback rewards. You can earn big on a variety of purchases.
5% on travel purchased through Chase Ultimate Rewards.
3% on dining at restaurants, including takeout and eligible delivery services.
3% on drugstore purchases such as Walgreens and CVS.
1.5% cashback on all other purchases, with no annual fee.
0% APR for 15 months on purchases
There's also a welcome bonus of $200 cashback after spending $500 in the first three months. Visit and apply for unlimited rewards.
4. Amazon Prime Rewards Visa Signature Card: (Best card for Online Shopping)
5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market
5% back on purchases made through Chase Travel
2% back on local transit and commuting, including rideshare
2% back at restaurants, gas stations and drugstores
1% back on all other purchases
You can also earn a $150 Amazon gift card and 5% cash back on all purchases (up to $2,500 in purchases) for the first three months after account opening
5. Capital One Venture Rewards: (Runner up for travel)
This card is ideal for travelers who prefer flexibility, as it offers 2x miles on all purchases. You can redeem your miles for travel purchases or transfer them to partner airlines and hotels.
Earn unlimited 2 miles per dollar on every purchase
Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel
You'll also earn 60,000 bonus miles after spending $3,000 on purchases in the first three months, which is worth $600 in travel rewards.
These top credit cards can help you maximize your rewards and benefits, whether you're a frequent traveler, a family, or just someone who wants to earn cashback on everyday purchases. When choosing a credit card, it's important to consider your spending habits and lifestyle. Look for a card that offers rewards and benefits that align with your needs and preferences. Remember to use your credit card responsibly and pay your balance in full each month to avoid interest charges and debt. Do your research, compare the options, and choose the credit card that best fits your financial goals and lifestyle.