Rewards Card reviews from Reddit

Summary

We analyzed 242 Reddit reviews across 17 subreddits and 75 posts to rank the best Rewards Card brands recommended by redditors, including communities like r/CreditCards, r/personalfinance, r/SaltLakeCity, r/NCL, r/CreditCardsIndia. Top-rated brands include Amex (4.4/5), Chase (4.4/5), Citi (4.5/5).

Stats

Reviews242

Subreddits17

Posts75

Brands43

Products78

Top communities

r/CreditCards174 r/personalfinance10 r/SaltLakeCity8 r/NCL8 r/CreditCardsIndia7

242 reviews from

and

By Brand

By Product

Amex

4.4

(42)

"Amex green, gold, platinum in that order and get all three subs"

"US Amex Biz Gold 200k offers (10k USD spend); or 250k Biz Plat offers (15-30k USD spend). CAD side hit up the Amex Business or Personal Platinum offers, look into Amex Biz Gold cards, while maintaining a Cobalt - maximizing the 5x multiplier."

"AmEx has amazing bonuses on their cards. If you travel, I’d check out Platinum, Gold, Marriott, Air Canada."

"Amex Blue Cash Preferred is one of the best with a fee."

"The Blue Cash Preferred Card from American Express is our pick right now. It’s better than the hundreds of other options we compared because it has the highest rewards rate, which applies at U.S. supermarkets."

"I, an Amex guy, so I’m going to suggest the Green Card. If you don’t fly much, many of the other travel cards are going to be of minimal benefit as the perks are designed with air travel in mind. The Green is great because of it’s flexibility."

"BCE only gets half what BCP gets so simple math already let's BCP win."

"They literally pay like $7/month on those services or about $84/yr on those."

"My blue cash preferred is 6 percent back at supermarkets."

"AMEX BCP 6% up to $6k spend, some nice streaming kickers also."

Chase

4.4

(32)

"Thanks for the insight! I'll look into CSP for sure."

"The Chase ecosystem is always a good bet, get a CSP if you don't have one already."

"The CSP, but only if you’re able to hit the minimum spend SUB. 100k points will take you far."

"The flat 1.5% cash back adds up fast, and the sign-up bonus helped cover some startup costs too."

"The Reserve has a steeper annual fee, but you can call their travel portal to book cruises at 5x points."

"Chase Ink cash and unlimited cards are better because they give high credit limit of $20K each and with higher bonuses."

"I get 3% back on our online ad spend with Chase Ink Business Preferred."

"The Chase Sapphire Preferred right now with the 100k sign up bonus for $5k may be worth it for you to get now."

"Are great for cash back!"

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

Citi

4.5

(19)

"Citi custom cash card 5% in the first $500 each month"

"My backup is 5% with Citi Custom Cash."

"I use Costco Citi, they have the cheapest gas in my area and gives 5% back"

"I’m happy with my Citi Custom Cash. 5% back on groceries."

"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."

Capital One

4.2

(20)

"Are great for cash back!"

"The capital one venture sign up bonus is insane. i travelled for 2 weeks off of the sign up bonus, flights, hotels, etc."

"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"

"Capital one venture 100k sub with 100 af requiring 4k"

"And with only 20k sub only requiring $500 and has no af which you wanted the venture one"

"I went with the Capital One Spark Cash Select for the flat 1.5% too."

"Would venture be the best one for value? 250$ travel and 75k points."

"Would spark work better? 2% and 750 cash."

Wells Fargo

3.8

(17)

"3% on the Wells Fargo autograph is the highest no cap gas card"

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

"Wells fargo autograph or autograph journey."

"Keep it simple. WF -Autograph . Catch all travel 3%cash back."

"Wells Fargo Signify for 2X Wells Fargo points if you pair it with Autograph."

"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."

AAA

4.4

(12)

"AAA Travel Advantage card gets you 5% on first $7k spent on gas in calendar year"

"AAA Travel Advantage. 5% Cashback on gas (Up to $350 rebate)"

"Either the AAA Travel Advantage or citi custom cash"

"AAA - 5% on $10k"

"AAA daily advantage sigature for 5%, no limits, and no annual fee."

"AAA Daily Advantage (5% Groceries, 3% Wholesale clubs/Gas)."

"Eyeing AAA Daily Advantage and the Verizon Visa."

"AAA daily. 5% grocery stores and Walmart with Walmart pay."

"Look at AAA Daily Advantage, Travel Advantage & Amazon Prime cards."

PayPal

4.3

(7)

"My preferred choice for groceries is PayPal Debit Card at 5% cashback - including at Costco, Walmart and Target."

"PayPal Debit card 5% up to $1000/mo"

"PayPal debit is 5% on up to $1000/mo"

"I just got the paypal debit card and activated groceries for 5% back."

"PayPal Debit works with Walmart when the grocery category is selected. 5% Back"

"Just recently signed up for this debit card! ... The goal is to 5% groceries and hope that Walmart, Sams Club, and Sam's Gas Station counts."

"+1 for PayPal Debit. There are a few small “hoops” in case people are wondering"

American Express

4.1

(7)

"Platinum amex for best travel perks of all time. Love my card."

"Get the Amex Airpoints one. It’s a white card. No annual."

"I’ve got Amex Airpoints one. With no annual fee :)"

"Check if AMEX platinum has a 175k points bonus."

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

"My setup is Gold/BBP/Rakuten and the regular Morgan Stanley credit card (non-plat) so I can redeem points for cash in my access investing account."

"Honestly, I don’t think Plat is good for everyday use anyway even with the changes. It’s a perks card."

US Bank

4.7

(6)

"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)"

"US Bank Business Altitude Connect gets 4X on Gas up to 150K year"

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

#10

Kiwi

4.7

(6)

"It gives 2-5% cashback on every upi transaction and sometimes bonus rewards too."

"More about KIWI with Yes Bank CC, it’s LTF. It’s Rupay card so you can use it for UPI."

"This is one of the most most commonly asked questions on this sub and as always the Kiwi credit card is the only real answer."

"You should check out KIWI with Yes Bank CC, it’s LTF. It’s Rupay card so you can use it for UPI."

"Kiwi is something I feel good for UPI."

"Once you sign up for Kiwi, you can apply for the Kiwi card from Yes Bank."

#11

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."

#12

Discover

4.4

(5)

"Discover it. 5% grocery category this quarter and it's my first year so all cash back doubles, so 10% back on $1500 spend."

"Discover It will earn 2% on everything in the first year."

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

"Discover has pretty good approval odds especially if you have past credit history."

"Probably discover. They gave great cash back."

#13

Bilt

4.0

(5)

"You can use your Bilt card for both your rent payment and security deposit!"

"If you rent then look at Bilt. It has good multipliers especially when you add the rent payments with no AF."

"Bilt also gives you 3X on dining and 2X on travel, similar to the Chase Sapphire Preferred, but without the annual fee."

"No annual fee: Autograph, Bilt & Prime Visa"

"If AA is your main goal long term, I'd potentially consider Bilt as part of your setup."

#14

Bank of America

4.3

(4)

"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."

"The bank of America ncl one has great earn rates for any ncl purchases."

"Bank of America Prime Rewards Card ($95): gives 2x points per dollar on travel, 2x points on dining, 1.5x points on all other purchases."

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

#15

Hilton

4.0

3.7

(3)

"MBNA Rewards World Elite Mastercard. If you apply for the card through the GeniusApp mobile app and you're approved you get a $200 rebate."

"MBNA Amazon rewards card. You receive $10 in Amazon Gift cards for every 1000pts you accumulate."

"Hold off on amex for now if declined.... maybe mbna rewards Mastercard (not world elite), no fee.... solid earning for entry level rewards card"

#22

NCL

5.0

(2)

"I’d second the NCL card. 3x points for NCL purchases like stated above, 2x points for air and hotel, 1x point for everything else."

"I use the NCL card. Triple points for NCL purchases, 30K gets you a room upgrade."

#23

US Bank Altitude Reserve

5.0

(2)

"If you can use mobile wallet US Bank Altitude Reserve - 4.5% cashback."

"US Bank Altitude reserve if your stores accept mobile wallet payments."

#24

Delta

2.5

(4)

3.0

(1)

"Penfed Pathfinder _might_ be an option to consider."

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