Best rewards card on Reddit

173 reviews from r/CreditCards, r/personalfinance, r/SaltLakeCity and 9 more subreddits

173 reviews from

and

By Brand

By Product

Amex

4.5

(21)

"Amex gold gives you most choice with the points you earn."

"Amex gold card. Free for first year. Big sign op bonus."

"I would consider the Amex Blue Cash Preferred for groceries, gas, and transit."

"AMEX Hilton Surpass is a great option if you use Hilton."

"I heavily used my amex gold (restaurant and groceries when you’re on the road)."

"The Blue Cash Preferred is best."

"Amex gold if you can make use of the credits."

"Best rewards for groceries and dining with the goal of travel is the Amex Gold Card."

"Go for the 75k SUB + $250 restaurant credit through Resy."

"AMEX Blue Cash Preferred 3% on gas and transit."

Citi

4.4

(13)

"Citi double cash are usually the go to recommendations."

"The best cash back strategy is a good non-category card like Citi Double Cash."

"Citi Custom Cash (5% back on first $500) Amex Gold (4X on grocery and dining) Amex Blue Cash Preferred (6% cash back on grocery, 6% on streaming, 3% on transit, 3% at gas stations, 1% all other)"

"Citi Custom Cash for groceries (5% back)"

"80k points or $800 for a $95 annual fee card."

"The Citi custom cash is a MC and gives you 5% on one select category that you spend the most on."

"Citi premier. Nice SUB and 3x back on hotels + gas + airfare + dining + grocery."

"I’d get a Citi custom cash to use for either 5% groceries or gas."

"Citi Custom Cash would be good for your highest spend, but it’s really only good for one category."

"Option A-Two cards Citi custom cash groceries and a 2% catchall."

Chase

4.3

(13)

"3 months later get a Chase Freedom Flex 3% dining and drug store (gift cards). 5% grocery and gas for a year."

"I have two cards which i use due to their 5% back quarterly perks. Chase Freedom and Discover."

"I think the Chase Sapphire Preferred or Citi Premier would be great for international travel."

"I would say chase sapphire reserve IMO."

"Can't go wrong with chase trifecta CFU, CFF and one of the sapphires."

"Go go for the Chase Sapphire preferred or if you travel a lot, the Reserve is worth the yearly cost."

"Solid card and is usually on the 'industry' lists."

"I got the sapphire preferred and would say its worth it. $95 up front, spend $4k in the first 3 months and you get 60k points ~$750 to spend on travel."

"I recommend the Chase Freedom Card."

"You might want to look at CFF, it's 5x in Amazon up,to $1500 for Q2."

Wells Fargo

3.8

(13)

"A flat 2% cash back sounds like what you’re looking for."

"WF Autograph might work. 3x restaurants and gas. $200 SUB with $1000 spend over 3 months."

"She can get Wells Fargo Autograph personally to turn the 2% into 2X."

"Wells Fargo Signify for catch all."

"Wells Fargo autograph gets you 3% on gas and travel with no annual fee."

"A Wells Fargo Active Cash, Amazon Visa, Costco Visa or use your debit for Costco."

"Wells Fargo Autograph + Wells Fargo Active Cash will give you: 3% on Travel/Transit, Gas, Restaurants, Streaming Services."

"I would start with the Wells Fargo Autograph for cash back on travel."

"I would look into the Alliant CU Visa Signature if you are okay joining a credit union or the Wells Fargo Active Cash if you are not."

"A good fit for you though is the Wells Fargo autograph."

Capital One

4.2

(10)

"Best general spend credit card for travel points is the venture x."

"Apply for Venture X for travel and transfer rewards from Savor over."

"Cap1 Savor or SavorOne"

"I’m in the process of dropping Amex and going to the Capital One Venture card."

"For a catch-all, Capital One Quicksilver would be your best bet."

"I have the capital one venture X, it's got 2% back on uncategorized spending and pretty solid benefits if you don't mind the annual fee."

"Go with Capital One Savor or Savor One. Savor has 4% Dining, 3% Grocery and $95 annual fee"

"Cap1 Savor 1."

"I believe I’ve settled in the Capital One Venture X but I’m still open to suggestions!"

"Capital One Quicksilver is 1.5%, Wells Fargo Active Cash is 2%."

US Bank

4.6

(7)

"I have a US Bank Cash+ with the categories set to home utilities and internet."

"Check out us cash + for 5% back on utilities and Internet."

"Which gives 3x on Mobile Wallet, and 1.5x redemption."

"US Bank Cash+ for utilities/phone/internet (5% back)"

"USBAR at 4.5% if they take mobile wallet or tap-to-pay and you have travel expenses."

"The new US Bank Smartly card at 4% w/ $100K invested."

"Currently, I am using US Bank Altitude Reserve which gets me 3x back on Travel."

Generic Rewards Card

3.7

(6)

"2% flat cash or points back with a sign up bonus. That's the bed rock card."

"Maybe a card with a nice signup bonus? Here is a list: https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/"

"What is your goal - trying to get free flights? Hotels? Cash back? Strategy depends on ultimate goal."

"If you know you can utilize the credits/perks to justify the AF, then go for it."

"This will vary wildly depending on your goal. Cash back is straight forward but often the lowest value option."

"With that low spend, I would avoid cards with annual fees unless there is a guaranteed way to recoup it."

Bank of America

3.7

(6)

"I recommend you consider the following BoA card setup: 1. BoA Customized Cash rewards set to online shopping - up to 5.25% on online purchases for the first $2,500/quarter."

"I use the BA Amex for two reasons: 1) Amex customer service has been excellent for me before."

"3% cash back on online purchases with my Bank of America rewards card."

"Bank of America Customized Cash Rewards card gives you 3X on any category you specify (which can be gas), with no annual fee."

"BofA PRE at 3.28% if you'll use the points to buy flights w/ $100K invested."

"BofA other at 2.625% if you just want cash w/ $100K invested."

Care Credit

4.5

(4)

"There is absolutely no cons on this as long as you pay everything off before the interest rate kicks in."

"Care credit honestly saved my ass in vet bills."

"It has totally saved my ass more than once and I’m thankful for the card."

"It’s good to have for emergencies. We use it for surprise dental bills."

#10

Marriott

3.8

(4)

"Hilton or Marriott is usually good due to footprint size."

"I have the Marriott one for free stays."

"Maybe a Marriott or Hilton card?"

"The Marriot Bonvoy is really good too but not quite as good as the SPG card it replaced."

#11

Discover

3.8

(4)

"Discover It Card - 5% cashback on their calendar categories."

"Discover and Amex are going to be more liberal about approval."

"Probably discover. They gave great cash back."

"I would just go with a discover revolving rewards or capital one 1.5% cash back."

#12

Capital One Venture X

4.7

(3)

"10/10 recommend capital one venture X - it essentially pays for itself."

"I would say Venture X."

"Suggest look at this one mile at a time review comparing venture x and CSR."

#13

PNC

4.3

(3)

"4% cash back on gasoline purchases, no AF."

"PNC cash rewards is pretty good."

"I use pnc cash rewards for 4% Gas and 3% Restaurants."

#14

Costco

4.3

(3)

"If you already have a Costco membership then the Costco card might be a good option."

"My Costco card is 4% on gas (not just at Costco) and 3% on travel & restaurants."

"The Costco Anywhere, PNC Cash Rewards, or Alliant Visa Signature."

#15

Fidelity

4.0

2.0

(3)

3.0

(1)

"The Shop Your Way card earns 5% on gas. 3% on groceries."

#62

MasterCard

3.0

(1)

"You'd probably want a MasterCard unless you don't care about earning rewards."

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