Credit cards with rewards have become essential for savvy consumers who want to maximize their spending. Whether you’re looking for cash back, travel rewards, or other benefits, choosing the right credit card in 2025 can help you save money and enjoy exclusive perks.
In this guide, we’ll cover the best credit card deals for rewards in 2025, focusing on:
- Best cash-back credit cards
- Top travel rewards credit cards
- Best credit cards for dining, shopping, and entertainment
- Premium credit cards with exclusive perks
- No-annual-fee rewards credit cards
We’ll also provide expert tips on how to maximize your credit card rewards and avoid common pitfalls.
Best Cash Back Credit Cards in 2025
Cash back credit cards are a great way to earn money on everyday purchases. Here are the top cash back credit cards for 2025:
1. Chase Freedom Unlimited®
- Cash Back Rate: 1.5% unlimited cash back on all purchases
- Bonus Offer: $200 bonus after spending $500 in the first 3 months
- Extra Perks: 5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining and drugstores
- Annual Fee: $0
- Why It’s Great: Excellent for everyday purchases with a strong welcome bonus
2. Citi Double Cash® Card
- Cash Back Rate: 2% total (1% when you buy, 1% when you pay)
- Bonus Offer: None
- Annual Fee: $0
- Why It’s Great: High flat-rate cash back without category restrictions
3. Blue Cash Preferred® Card from American Express
- Cash Back Rate: 6% on groceries (up to $6,000 per year), 3% on transit, 1% on all other purchases
- Bonus Offer: $250 statement credit after spending $3,000 in the first 6 months
- Annual Fee: $95
- Why It’s Great: Best for households with high grocery spending
4. Capital One SavorOne® Rewards Card
- Cash Back Rate: 3% on dining, entertainment, streaming services, and grocery stores
- Bonus Offer: $200 bonus after spending $500 in the first 3 months
- Annual Fee: $0
- Why It’s Great: Excellent for foodies and entertainment lovers
Best Travel Rewards Credit Cards in 2025
Travel rewards credit cards help you earn points or miles on purchases, which can be redeemed for flights, hotels, and more. Here are the best options in 2025:
5. Chase Sapphire Preferred® Card
- Reward Rate: 2x points on travel and dining, 1x on other purchases
- Bonus Offer: 60,000 points after spending $4,000 in the first 3 months
- Annual Fee: $95
- Why It’s Great: Flexible points that transfer to major travel partners
6. Capital One Venture Rewards Credit Card
- Reward Rate: 2x miles on all purchases
- Bonus Offer: 75,000 miles after spending $4,000 in the first 3 months
- Annual Fee: $95
- Why It’s Great: Simple flat-rate travel rewards with flexible redemption
7. The Platinum Card® from American Express
- Reward Rate: 5x points on flights booked directly with airlines, 1x on other purchases
- Bonus Offer: 80,000 points after spending $6,000 in the first 6 months
- Annual Fee: $695
- Why It’s Great: Luxury perks, including airport lounge access and travel credits
8. Bank of America® Travel Rewards Credit Card
- Reward Rate: 1.5x points on all purchases
- Bonus Offer: 25,000 points after spending $1,000 in the first 90 days
- Annual Fee: $0
- Why It’s Great: No annual fee with flexible travel redemptions
Best Credit Cards for Dining, Shopping, and Entertainment
Some credit cards are specifically designed for food lovers, frequent shoppers, and entertainment seekers.
9. American Express® Gold Card
- Reward Rate: 4x points on dining and supermarkets, 3x on flights
- Bonus Offer: 60,000 points after spending $4,000 in the first 6 months
- Annual Fee: $250
- Why It’s Great: Best for foodies who spend a lot on dining
10. U.S. Bank Altitude® Go Visa Signature® Card
- Reward Rate: 4x points on dining, 2x on grocery stores, gas stations, and streaming
- Bonus Offer: 20,000 points after spending $1,000 in the first 90 days
- Annual Fee: $0
- Why It’s Great: Great no-fee option for dining rewards
11. Capital One Walmart Rewards® Card
- Reward Rate: 5% back on Walmart.com and Walmart app purchases, 2% in-store
- Bonus Offer: None
- Annual Fee: $0
- Why It’s Great: Ideal for Walmart shoppers
Premium Credit Cards with Exclusive Perks
If you’re looking for luxury benefits like lounge access, hotel upgrades, and premium concierge services, these credit cards are worth considering.
12. Chase Sapphire Reserve®
- Reward Rate: 3x points on travel and dining, 1x on other purchases
- Bonus Offer: 60,000 points after spending $4,000 in the first 3 months
- Annual Fee: $550
- Why It’s Great: Top-tier travel perks, including Priority Pass lounge access
13. Citi Prestige® Card
- Reward Rate: 5x points on dining and air travel, 3x on hotels
- Bonus Offer: 50,000 points after spending $4,000 in the first 3 months
- Annual Fee: $495
- Why It’s Great: Luxury travel perks with strong dining rewards
Best No-Annual-Fee Rewards Credit Cards
For those who want to earn rewards without paying an annual fee, these options are excellent:
14. Wells Fargo Active Cash® Card
- Reward Rate: 2% unlimited cash back
- Bonus Offer: $200 after spending $500 in the first 3 months
- Annual Fee: $0
- Why It’s Great: Simple, high flat-rate cash back
15. Discover it® Cash Back
- Reward Rate: 5% on rotating categories (quarterly activation required), 1% on other purchases
- Bonus Offer: First-year cash-back match
- Annual Fee: $0
- Why It’s Great: Great for maximizing rotating categories
How to Choose the Best Rewards Credit Card for You
When selecting a rewards credit card, consider:
✔ Spending Habits – Choose a card that rewards your biggest spending categories.
✔ Redemption Options – Look for cards with flexible and valuable redemption options.
✔ Annual Fees – Weigh the rewards and perks against any annual fees.
✔ Sign-Up Bonuses – A strong welcome offer can boost your rewards quickly.
✔ Additional Perks – Travel insurance, purchase protection, and other benefits can add value.
Final Thoughts
The best rewards credit card for you in 2025 depends on your lifestyle and spending habits. Whether you’re focused on cash back, travel, dining, or premium perks, there’s a card that fits your needs.
By choosing wisely and maximizing your rewards, you can get the most value from your credit card in 2025.