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Top 4 credit cards for reward points

If you have an impeccable credit record, you can get your hands on some of the best credit cards that offer reward points for every transaction. That said, some of the popular value-for-money credit cards offer more than just reward points—think huge savings on shopping, dining, traveling, and much more. Here’s a list of our top five picks of the best reward points credit cards.

Citi Custom Cash Card
You can earn 5% cashback on purchases in the top eligible spend category, up to the first $500 each billing cycle, and 1% cashback thereafter with this credit card.

You can earn unlimited 1% cashback in all the other categories. Another benefit of the Citi Custom Cash Card is that there is no annual fee, and you get an introductory 0% APR on balance transfers and purchases for 15 months.

Chase Sapphire Preferred® credit card
The Chase Sapphire Preferred® credit card is a perfect choice if you travel often. You can earn 2X points on travel, dining out, or takeout and one point per dollar spent on other purchases. Plus, you earn 100,000 points if you spend $4,000 in the first 3 months of account opening. And the points are worth 25% more if you redeem them for travel. That’s a lot of value, but the card has a $95 annual fee.

American Express® Gold Card
This is one of the best credit cards if you want to collect points. You can earn a welcome bonus of 60,000 Membership Rewards® points if you spend $4,000 in the first 6 months. Plus, it offers 4X reward points on takeout and delivery. There’s also a $120 annual dining credit at select outlets, and you can get Uber cash of up to another $120 annually on Uber rides or Uber Eats orders. Some might find the $250 annual fee steep, but the Amex Gold Card does pack a punch.

CapitalOne SavorOne Rewards Card
This CapitalOne credit card makes for an excellent choice for beginners as it offers rewards on all popular spending categories, like entertainment, food, and shopping. Plus, it has a 0% introductory APR for 15 months. You can earn unlimited 3% cashback on dining, entertainment, streaming services, and at grocery stores, and you also get 1% cashback on all other categories. And all this comes with no annual fee. This is one of the best credit cards for collecting reward points if you spend a lot on these categories.

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