Credit Card with the Best Rewards Programs in 2020

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Finding credit cards with the best rewards program can be a long, tiring process. Ultimately, credit reward programs depend heavily upon your purpose for using a particular card or account. Regardless of the card you may choose it’s always necessary to maintain a high credit score. To help with this, we recommend myFico, which gives you your fico score as well as expert updates up to three times a year. With that in mind, let’s go over some of the best credit card reward programs so that you can find the perfect credit card for your needs.

A little bit before we get into it, if you enjoy saving money while shopping for the things you need and love online, Capital One Shopping is for you! With Capital One Shopping you can get better prices with real-time help from other shoppers. And if you’re looking for a debit card with great rewards including cash back, check out GO2bank!


We would also like to tell you a bit about Ellevest. Ellevest ‘s unique platform provides a customized investment plan to reach your big goals while on the quest for something big! Ellevest focuses on helping women invest in specific real life goals like buying a home or starting a business. They offer three types of memberships, an Essential Plan for just $1/month, a Plus Plan for $5/month and a Premium Plan for just $9 a month so why not go on over to their site and see if Ellevest is for you!

Also, Tally is an awesome App that everyone should have! It can help you manage your credit cards and pay off debt easier! While on the topic of credit, it’s always great to look into using sites like Self to build up your credit! Self can help you build credit history and save money!

1. Discover It

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When it comes to finding credit cards with the best rewards, many users rightfully focus on cashback. This is one of Discover It’s card’s biggest advantages. In addition to offering 5% cashback on a number of rotating everyday purchases, this credit card has one of the best credit card rewards programs in terms of APR.

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The card offers 0% APR on purchases and balances for the first 14 months of use. Best of all, Discover matches your cashback in full at the end of the first year with no limit. With this card, there’s little to no downside other than making sure you make all of your payments on time and keep up with the rotating cash back categories.

If you’re a student you might want to check out the Best Ways to Save For College here.

2. Capital One Venture

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If you’re a traveler, you’ve probably spent countless hours looking up “What is the best credit card for rewards?” into Google. Luckily, this card offers you plenty of travel benefits that are hard to find amongst other card reward programs.


Capital One Venture offers a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, which comes out to about $500 in bonuses. You’ll earn unlimited miles with all of your purchases and no foreign transaction fees. Notably, this card can be used with any travel program for maximum flexibility.

If you plan on transferring money internationally, you might want to check out the Best International Money Transfer Platforms here.

3. American Express Bluecash Preferred

American Express is known for offering credit cards with the best rewards, and this card is no exception. You’ll earn a whopping 6% cashback at US supermarkets per year, equating up to $6,000 in rewards. To get this card, you’ll have to know how to build and maintain good credit, but it can certainly be worth the commitment for families looking to get a sizeable chunk of cash back per year.



4. Chase Ink

If you’re a small business owner, you’re probably all too familiar with trying to find credit cards with the best rewards. Chase Ink is built especially for small businesses, and you’re sure to enjoy the cards many benefits. You’ll earn extra cashback on special spending categories like business expenses and travel. Plus, you won’t experience any foreign transaction fees. You can use the card’s APR advantages to help you pay off your various loans.

To monitor your credit score, check out myFICO, which can help you prepare for your credit goals and is a great credit score check!


5. Visa Fidelity Rewards

Finding credit cards with the best rewards in terms of retirement savings growth can be difficult. Luckily, the Fidelity rewards card allows you to send your unlimited 2% cashback directly to your retirement or investing funds. Using your cashback on your investments ensures that you are proactively preparing your finances for the future. The card can also help you redeem your cashback money directly to invest in other single or bundled stocks.

Here are the Best Stock Trading Apps.


6. Bank of America Business Advantage Travel Rewards

While searching for the credit cards with the best rewards, consider a card that is multi-faceted. This card allows you to earn 30,000 bonus points on travel within 90 days of your account opening. You can also earn an unlimited 1.5 points for every $1 spent on all purchases everywhere. The only downside to this card is that you’ll need a pretty good credit score, so be sure to keep up to date with your TransUnion report.


7. Citi Simplicity Card

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One of the best things you can do for your finances is payoff your debt. This card offers no late payment fees, and the longest 0% APR period of 21 months, so you’ll have more time to balance your finances properly. There’s also no annual fee as an added bonus.

Finding credit cards with the best rewards programs can certainly be a trying process, but it is worth it to get you the extra cash and savings you deserve. Be sure to choose your card based on your personal needs and make your payments on-time to maximize your earning potential.

If you don’t currently have a great credit score, do what you can to improve it. This might include paying off student loan debt or catching up with any payments that you are currently behind on. With a pretty good credit score, you’ll be able to take advantage of the great rewards programs above.

Looking to earn some money so you can spend some money? Here’s How to Can Ace a Job Interview.

Talk District serves as a solicitor for Ellevest, Inc. Solicitor will receive compensation for referring you to Ellevest. Solicitor will be paid $10 when an individual becomes a client. You will not be charged any fee or incur any additional costs for being referred to Ellevest by the Solicitor. The Solicitor may promote and/or may advertise Ellevest’s investment adviser services. Ellevest and the Solicitor are not under common ownership or otherwise related entities.

Capital One Shopping compensates us when you get the Capital One Shopping extension using the links provided.

We hope you love the products we recommend! Just so you know, Talk District may collect a share of sales or other compensation from the links on this page.

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