Best Rewards Credit Cards 2021

Updated March 03, 2021
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Best pick for...
Capital One QuicksilverOne
Capital One SavorOne
Citi CitiBusiness® / AAdvantage® Platinum
American Express Cash Magnet®
American Express Blue Cash Everyday®
Emigrant Bank Brex Card for Startups
Barclays Bank Delaware Mastercard® Gold Card™
TD Bank Target REDcard™
Synchrony Bank Banana Republic Visa®
TD Bank Nordstrom Visa®

Best Credit Cards for Rewards in March 2021

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QuicksilverOne Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on every purchase, every day.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $39 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Card from Capital One is unlimited.

    Enjoy 1.5% Cash Back on every purchase and get access to valuable benefits.

  • Pros:
    • No foreign transaction fees
    • No minimum redemption is required
    • No annual fee
    • Intro APR period on purchases
    • Automatically considered for a higher credit line after 6 months
    • Generous sign-up bonus
  • Cons:
    • Annual fee
    • Other cards offer longer intro APR periods and/or lower APR
    • No bonus rewards categories
  • Benefits:
    • Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash Bonus Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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CitiBusiness® / AAdvantage® Platinum Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • ​Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.​
    • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.​
    • Earn 1 AAdvantage® mile for every $1 spent on other purchases.​
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $99 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 24.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Citi
  • Details:

    Discover the world with the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®, one of Citi's best business credit cards for travel.

    Earn an American Airlines Companion Certificatefor domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed. First checked bag freeon domestic itineraries to reduce travel costs and boost your bottom line.

    Expand your earning potential with authorized user cards for your employees and earn AAdvantage® miles for purchases made on each card.

    With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

  • Pros:
    • No foreign transaction fees
    • Rewards Program
    • A companion travel certificate if you spend $30,000 within one year and renew your card 65,000-mile bonus after spending $4,000 within your first 4 months
    • Contactless Pay
  • Cons:
    • No introductory offer on purchases or balance transfers
  • Benefits:
    • Business;
    • First checked bag free;
    • Rewards Program;
    • 25% savings on American Airlines inflight Wi-Fi;
    • Earn an American Airlines Companion Certificate;
    • Personal Business Assistant;
    • Online Account Summaries;
    • Digital Wallets;
    • Autopay.
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Cash Magnet® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    • $200 Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • Automatic cash back on all purchases
    • Straightforward cash back plan with no activation required
  • Cons:
    • Cash back rate is lower in some categories compared to other cards
    • Foreign transaction fees
    • Low Welcome offer
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    • $200 Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $150 Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • Annual fee 0%
    • Solid cash back at U.S. supermarkets and U.S. gas stations
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • The balance transfers are not available to new customers
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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Brex Card for Startups Radius Bank
scorer
Recommended credit score
Poor to Excellent (300-799)
  • Rewards Rate:
    • 7x% Points on rideshare, including Uber, Lyft, taxi, and scooter.
    • 4x% Points on flights and hotels booked through Brex Travel.
    • 3x% Points on restaurants and dining.
    • 3x% Points on eligible Apple products like Mac and iPhone, via the Brex portal.
    • 2x% Points on recurring software like Salesforce, Zendesk, Twilio, and more.
    • 1x% Points on everything else with no cap on how much you can earn.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Issuer name:
    Emigrant Bank
  • Details:

    If you’re a new startup or small business owner looking to build your business’ credit history and earn significant rewards on business-related purchases, the Brex Corporate Card was made for you.

    Get discounts on top services to run your company. Compared to an average of $500 in typical business credit card bonuses, Brex partner offers total $150,000 in value. Redeem anytime.

    With the Brex Corporate Card, you’ll earn 7X points on rideshares, 4X on travel booked through Brex, 3X on restaurants, 2X on recurring software and 1X on everything else. Points can be redeemed for statement credit or travel via Brex’s travel portal.

    Credit limits 10-20x higher than traditional small business corporate cards.

    This a charge card, so you’ll have to pay your balance in full each month. To qualify, you’ll need a $100,000 bank balance.

    You'll get 30,000 in Brex Rewards points. Earn 20,000 points when you link payroll to Brex Cash and 10,000 points when you spend $3,000 in 3 months on your Brex Card.

    Under the rideshare category, your small business or startup can earn points for Uber, Lyft, taxi rides and more. The recurring software category rewards you for monthly subscriptions like GitHub and Slack.

    You won’t be charged an annual fee, but there isn’t a welcome bonus or introductory APR offer. The card is, though, part of the Mastercard network, meaning you can expect widespread acceptance.

  • Pros:
    • No foreign transaction fee
    • No annual fee
    • Limited credit may qualify
    • Brex Travel portal
    • Expense management tools like QuickBooks® and Expensify®
  • Cons:
    • No introductory APR offer
    • $100,000 bank balance required to qualify for Brex
  • Benefits:
    • Partner perks;
    • Build business credit;
    • Brex Travel portal;
    • Instant onboarding and virtual cards;
    • Manage your business anywhere;
    • Receipts match automatically;
    • Pairs with Brex Cash;
    • Built-in expense tools and integrations;
    • Live support in 2 minutes.
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Mastercard® Gold Card™ Barclays Bank Delaware
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Value for Airfare Redemptions. 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions.
    • 2% Value for Cash Back Redemptions. Cash Back can be deposited directly into a US bank account or applied as a statement credit.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $995 annually ($295 for each Authorized User added to the account).
  • Purchase Intro APR:
    None
  • Regular APR:
    14.99% Regular APR.
  • Balance Transfer APR:
    14.99% Regular APR.
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Mastercard® Gold Card™ offers an opportunity to snag one of these elite cards without VIP status. The Mastercard Gold is the top-of-the-line card from Barclays’ luxury card trio and the living picture of a status symbol — it’s a 24K gold-plated stainless steel credit card that weighs in at a hefty 22g (four more grams than other premium cards like The Platinum Card® from American Express).

    You’ll get $200 in airline credits each year, plus luxury perks like personal concierge service, airport escorts, $100 in credit for Global Entry or TSA Precheck application fee and access to the Luxury Travel Program for travel benefits at select hotels.

    Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.

    The Luxury Card™ Mastercard® Gold Card™ is one of the most opulent cards around, with a weighty $995 annual fee to boot.

    Experience 24/7 customer service assistance with Lost and Stolen Card reporting, Emergency Card Replacement, and Emergency Cash Advance.

    The card earns 1 point per dollar spent. Points are worth 2 cents apiece for both airfare redemptions and cash back and 1 cent apiece for other redemptions.

    For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than 210 countries and territories.

    Enjoy greater freedom with no foreign transaction fees on purchases made while traveling abroad.

  • Pros:
    • Luxury travel benefits
    • Annual Airline Credit
    • Lost Luggage Reimbursement
    • Emergency card replacement
    • No Foreign Transaction Fees
    • Low interest
    • Global Acceptance
    • Fraud Coverage
    • Unlimited 2 cent-per-point redemption for cash back and airfare through Loyalty Edge
    • 15-billing cycle, 0 percent intro APR for balance transfers made within the first 45 days
  • Cons:
    • Must spend nearly $50,000 each year to just offset the annual fee
    • Purchase protections and airline credit coverage valued at less than those from travel cards with half the annual fee
    • Rewards might also not be as valuable as the points from lower-priced cards
  • Benefits:
    • Patented Card Construction;
    • $200 annual airline credit;
    • $0 Fraud Liability Protection;
    • Mastercard ID Theft Protection;
    • Mastercard Global Service;
    • No Foreign Transaction Fees;
    • Global Acceptance;
    • 24/7 Luxury Card Concierge;
    • 2% Value for Airfare Redemptions;
    • 2% Value for Cash Back Redemptions;
    • Patented 24K-gold-plated front and carbon back — weighing 22 grams;
    • No Foreign Transaction Fees;
    • VIP Airport Lounge Access;
    • Luxury Card EXPERIENCES;
    • It Pays To Be a Member;
    • Airport Meet & Assist;
    • Annual Airline Credit;
    • Global Entry & TSA Pre✓® Application Credit;
    • TCS World Travel;
    • Cellular Telephone Protection;
    • Travel Accident Insurance;
    • Baggage Delay Insurance;
    • Trip Cancellation and Interruption;
    • Travel Assistance.
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Target REDcard™ TD Bank
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% On purchases at Target and Target.com.
    • 5% On clearance prices when you use your RedCard.
    • 5% On top deals of the week when you use your RedCard.
    • 5% At any in-store Starbucks location when you use your RedCard.
    • 5% On specialty gift cards for travel, restaurants, movie tickets, and more.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    22.90% Regular APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    TD Bank
  • Details:

    For those who shop for everything at Target — food, clothes, household essentials — the perks on the Target REDcard™ Credit Card hit the bull's-eye.

    The $0-annual-fee card gets you a 5% discount on all purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

    Because the Target REDcard™ Credit Card carries high ongoing interest rates, it’s not a good fit for folks who are planning to spend time, well, in the red. But for those who pay their bills in full every month and are looking for some extra savings, it’s worth getting.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • High APR
    • No intro APR offer
    • Extra fees
  • Benefits:
    • 5% REDcard™ discount program rules;
    • REDcard™ extended returns program rules;
    • $50 off for new RedCard holders;
    • 0% discount coupon each year on your card anniversary.
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Banana Republic Visa® Synchrony Bank
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • $5 Reward for every 500 points earned.
    • 1% Point for every $1 spent outside Gap Inc. brands .
    • 5% Points for every $1 spent at Gap Inc. brands.
  • Intro Offer:
    • 20% Get 20 percent off for the first store purchase.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    25.99% Regular APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    Synchrony Bank
  • Details:

    The Banana Republic Visa Card is designed for fans of Gap Inc. brands, and more specifically, Banana Republic. To entice new card owners, there’s a welcome offer of 20 percent off of your first purchase. You can unlock this offer by opening a card at the time of purchase.

    The rest of the Banana Republic Visa benefits function through a points system. When you open your credit card, you can earn 500 bonus points when you subscribe to Gap Inc. emails and 500 points for electing to receive paperless statements.

    After the initial welcome offer, the Banana Republic Visa Card rewards function on a points system. The card’s annual fee is $0.

    You can wring even more value out of the card if you qualify for "Luxe" status. Eligible cardholders who earn at least 5,000 points in a calendar year will be upgraded to a Luxe account, which may entitle them to multiple additional benefits.

    With the Banana Republic Visa Card, you’ll have access to special offers and private sales. In addition, you’ll be able to attend special events. And if you change your mind on a purchase, you can make returns without your receipt.

    You can use the Banana Republic Visa Card anywhere you can use a regular Visa, including overseas, but an applicable foreign transaction fee of 3 percent will apply in this case.

  • Pros:
    • No annual fee
    • Access to member sales and rewards
    • Free upgrade to Luxe status after earning 5,000 points
    • Annual birthday gift
  • Cons:
    • High APR
    • No intro APR offer
    • Limited rewards
    • Foreign transaction fee
  • Benefits:
    • Fraud Protection;
    • 1x point for every $1 spent outside Gap Inc. brands;
    • 5x points for every $1 spent at Gap Inc. brands;
    • 500 bonus points for subscribtion to Gap Inc. emails and for electing to receive paperless statements;
    • "Lux" Status for 5,000 points in a calendar year;
    • 20% off for the first BananaRepublic.com purchase.
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Nordstrom Visa TD Bank
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Points per dollar spent at Nordstrom (Nordstrom, Nordstrom Rack, Hautelook, Nordstrom Trunk club).
    • 1% Point per dollar everywhere else Visa® credit cards are accepted.
  • Intro Offer:
    • $40 Bonus note which you can spend at Nordstrom the day you are approved.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    18.90% - 25.90% Variable APR for Nordstrom Purchases. 18.90% - 25.90% Variable APR for Non-Nordstrom Purchases.
  • Balance Transfer APR:
    None
  • Issuer name:
    TD Bank
  • Details:

    This card is ideal for Nordstrom regular customers. Typically earned after spending $500, Insider status in the Nordy Club (Nordstrom’s loyalty club) gets you a personal double points day, early access to sales (such as the Nordstrom Anniversary Sale) and more.

    The card doesn't have an annual fee and foreign transaction fee.

    In addition to free basic alterations (available to all basic Nordy Club members), you’ll get a $100 alterations credit

    The APR for the purchases at Nordstrom and outside are the same and vary between 18.9% and 25.9% depending on your credit score. Such APR both for Nordstrom and non-Nordstrom purchases seems to be unobvious since the credit card is made especially for Nordstrom funs.

    You’ll unlock a $40 Bonus Note when you apply for this credit card, get approved and shop at Nordstrom or one of its brands on the same day.

    For every dollar you spend at Nordstrom or its brands (Nordstrom.com, Nordstrom Rack, HauteLook and the Nordstrom Trunk Club), you earn 3 points, regardless of whether you prefer to shop online or in person. For all other purchases, you’ll earn 1 point per dollar spent.

    For every 2,000 points, you'll get a $20 Nordstrom Note.

  • Pros:
    • A welcome bonus
    • Early access to major sales
    • No foreign transaction fees
    • Visa perks
  • Cons:
    • Above average APR
    • Extra fees
    • No intro APR offer
    • 1 point per dollar spent on purchases outside of Nordstrom and its sister brands
  • Benefits:
    • A $40 welcome bonus;
    • A $100 alterations credit;
    • Automatic Insider status (normally requires $500 in purchases);
    • 24/7 Customer Service.
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