Are you looking for the absolute best rewards credit cards 2025? We've got you covered! This post tells you all about the best rewards credit cards 2025.
With the new year comes resolutions and a time to revamp your finances! Are you sure you're getting all the rewards and cash back you can with your current credit cards? If not, keep reading! In this post, I will cover the absolute best rewards credit cards 2025, the best cash back credit cards, best credit cards for travel rewards, and tell you which ones I personally use and love. I won't keep it a secret- these are the top rewards credit cards 2025.
You will learn all about how to hack credit cards for major rewards and no annual fees. Why leave money on the table if you could be getting up to 5% cash back on purchases? When you always pay off your balance in full, credit cards can be a useful tool to get extra cash quickly.
This post is all about the best rewards credit cards 2025.
Best Rewards Credit Cards 2025
Jump Ahead:
1. Best Cash Back Credit Cards
2. Best Rewards Credit Card No Annual Fee
3. Best Credit Cards for Travel Rewards
4. Credit Card Rewards Comparison Chart
1. Best Cash Back Credit Cards
Credit cards that focus on cash back are some of the best and most useful to the everyday person. They are simple in concept- spend money using the credit card and get a cash reward for each purchase. Cash back can be straight cash available for deposit in your account or it can be in the form of credit card points. Generally speaking, using credit card points to redeem specific rewards, like air travel, offer more bang for your buck. There is no one-size-fits-all approach to which rewards credit card is best for you. Luckily, in this day and age, there are many options to choose from.
Chase Freedom Flex® Credit Card
* 5% cash back on rotating categories (like gas, groceries) each quarter (up to $1500, then 1%)
* 5% cash back on travel purchased through Chase Ultimate Rewards℠
* 3% cash back on dining- including eligible takeout and delivery
* 3% cash back on drugstore purchases
* 1% cash back on all other purchases
FAST FACTS:
- NO ANNUAL FEE
- WELCOME OFFER: $200 cash back after you spend $500 in the first 3 months
This card is the very best when it comes to earning cash back. It allows for unique personalization as you can select which quarterly categories you'd like to earn 5% cash back on. These can include things like gas stations and grocery stores. The best part- your rewards never expire. Additional benefits include a weekly credit score report (this is great if you're trying to rebuild your bad credit!) and no minimum to redeem cash back. It's obvious why this is one of the top credit cards for rewards and the best cash back credit card 2025.
Capital One SavorOne Cash Rewards Credit Card
* 8% cash back on eligible Capital One entertainment purchases
* 5% cash back on hotels and rental cars you book with Capital One Travel
* 3% cash back on dining, streaming services, entertainment, and grocery stores (does not include superstores)
* 1% cash back on all other purchases
FAST FACTS:
- NO ANNUAL FEE
- REWARDS NEVER EXPIRE
- WELCOME OFFER: $200 cash back after you spend $500 in the first 3 months
This card is best for you if you dine out frequently or if you are a frequent sporting event and/or concert goer as it offers unbeatable cash back rates for entertainment. Seriously though, 8% cash back on my Eras Tour tickets is equivalent 3 month's rent. There are no annual fees and no foreign transaction fees, making this a good option for travel too, like to the Eras Tour. 24-hour travel assistance and travel accident insurance are also included with this cash back credit card.
2. Best Rewards Credit Card No Annual Fee
Chase Freedom Unlimited® Credit Card
* 5% cash back on travel booked through Chase Travel℠
* 3% cash back on drug store purchases
* 3% cash back on dining (including takeout and delivery services)
* 1.5% cash back on all other purchases
FAST FACTS:
- NO ANNUAL FEE
- 0% APR FOR THE FIRST 15 MONTHS
- REWARDS NEVER EXPIRE
- WELCOME OFFER: $200 cash back after you spend $500 in the first 3 months
This card is the ideal card for you if you want more cash back on every day purchases than other cards offer. Usually, credit cards offer 1% cash back on all purchases, but this card's cash back rate is higher than average at 1.5%. It has no annual fee, of course, and offers many additional perks including extended warranty, travel insurance, and purchase protection. This card is a more simple Chase card compared to the Freedom Flex which offers rotating quarterly categories. This is the best rewards credit card 2025 no annual fee.
Capital One Platinum Secured Credit Card (Best Credit Card for Bad Credit)
* None
FAST FACTS:
- BEST CREDIT CARD FOR BAD CREDIT
- NO ANNUAL FEE
This card is the best choice for you if you currently have bad credit and are aiming to rebuild. It doesn't offer the flashier perks and bonuses you see with other credit cards, but it offers an awesome opportunity to rebuild your credit score, one month at a time! There is no annual fee, making it a great free rewards credit cards 2025. It requires a refundable deposit of a minimum of $45 and you are required to pay off your balance in full monthly (hint: you should already be doing this! Unless, of course, you're goal is to be broke... in which case this website might be wrong for you). Unlike other credit cards, there is not a $200 minimum deposit and your credit limit is $1,000- much higher than average. There are no foreign transaction fees with this card, and it offers 24/7 customer support and fraud liability.
3. Best Credit Cards for Travel Rewards
Chase Sapphire Reserve® Credit Card
* $300 Travel Credit (the most of any travel card)
* 10x points on hotels and car rentals (when booked using Chase Travel℠)
* 3x points on all other travel purchases
* 3x points on dining
* 1x points on everything else
FAST FACTS:
- $550 ANNUAL FEE
- REWARDS NEVER EXPIRE
- $300 Travel Credit (the highest of any card)
- WELCOME OFFER: Earn 60,000 bonus points if you spend $4,000 in the first 3 months
This card is best for you if you are okay with an annual fee and love to travel. It is largely considered the best credit card for travel rewards. Of all available travel rewards credit cards, this card offers amazing benefits and perks for the fee. Your points are worth 50% more if you use them for travel, allowing your money to go a lot farther. If you spend a lot on travel, this card is a no brainer because it is incredibly easy to earn back your annual fee and more with travel purchases. How did Kevin McAllister's dad afford to fly 15 family members to Paris in Home Alone? He probably had this card! Or maybe he didn't, and so he left Kevin at home to save money. This card also offers TSA pre-check, global entry, and lounge access. This card is hands-down the best credit card for travel rewards 2025 if not the best credit card in the world! This is the card I personally use as travel is a top priority for me now that I'm out of 150k of debt.
Chase Sapphire Preferred® Credit Card
* $300 Travel Credit (the most of any travel card)
* 5x points on hotels and car rentals (when booked using Chase Travel℠)
* 2x points on all other travel purchases
* 3x points on dining
* 1x points on everything else
FAST FACTS:
- $95 ANNUAL FEE
- REWARDS NEVER EXPIRE
- WELCOME OFFER: $300 travel credit and 60,000 bonus points (after $4,000 in purchases in the first 3 months), and $1,050 Chase Travel value.
This card is the right fit for you if you love to travel but don't want the high annual fee. This card is very similar to the Chase Sapphire Reserve® credit card but has a significantly lower annual fee ($95 vs. $550). You still get unbelievable perks and points on travel, dining, and all other purchases, just at a lower rate than the Reserve card. If you want to travel on a budget, this card is perfect for you. Like other travel rewards credit cards, it offers all the goodies including lost luggage reimbursement along with travel and purchase protection. Unlike the Reserve card, it doesn't offer access to lounges.
Capital One Venture Rewards Credit Card
* 5x miles on hotels
* 5x miles on vacation rentals
* 5x miles on rental cars
* 2x miles on all other purchases
FAST FACTS:
- $95 ANNUAL FEE
- MILES NEVER EXPIRE
- WELCOME OFFER: 75,000 bonus miles if you spend $4,000 in the first 3 months
This card is the best credit card for you if love to travel but want easy, flat-rate rewards on all purchases for a low annual fee. Like most travel credit cards, you get the most for your money when you redeem for travel. This credit card is perfect for racking up airline miles at warp speed. You can redeem your rewards for travel, cash back, or gift cards to stores like Amazon or even PayPal. Capital One has over 15 travel partners that allow you to easily transfer your miles (SpaceX is not a partner). It offers travel accident insurance and rental collision insurance, and it offers TSA pre-check or lounge access. It does not offer lost luggage reimbursement. This card is one of the best points credit card for travel as the low annual fee basically pays for itself with the lounge access alone.
Credit Card Rewards Comparison Chart
Capital One SavorOne | Chase Sapphire Reserve | Chase Sapphire Preferred | Capital One Venture | Chase Freedom Flex | Capital One Platinum Secured | Chase Freedom Unlimited | |
---|---|---|---|---|---|---|---|
ANNUAL FEE? | NO | $550 | $95 | $95 | NO | NO | NO |
WELCOME OFFER | $200 cash back after you spend $500 in the first 3 months | 60,000 Bonus Miles and $300 Travel Credit | 60,000 Bonus Miles and $300 Travel Credit | 75,000 Bonus Miles | $200 cash back after you spend $500 in the first 3 months | None | $200 cash back after you spend $500 in the first 3 months |
REWARDS OVERVIEW | * 8% cash back on entertainment * 5% cash back on hotels and rental cars * 3% cash back on dining | * 10x points on hotels and car rentals * 3x points on all other travel purchases * 3x points on dining | * 5x points on hotels and car rentals * 2x points on all other travel purchases * 3x points on dining | * 5x miles on hotels * 5x miles on vacation rentals * 5x miles on rental cars * 2x miles on all other purchases | * 5% cash back on rotating categories * 5% cash back on travel * 3% cash back on dining | $1,000 line of credit for $45 refundable deposit | * 5% cash back on travel * 3% cash back on drugstore purchases * 3% cash back on dining |