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Top General Reward Credit Cards in 2017

Chase Sapphire Preferred Card

Most often, when applying for a credit card, you look for a high cash back rate or travel rewards. In this article, we’ll point out the best rewards cards from both the categories for you to have.

General overview of the cards:

Capital One® Venture® Rewards Credit Card

Capital One Venture Rewards Credit Card The ideal card to apply for if you’re looking for a high travel redemption reward – Capital One® Venture® Rewards Credit Card:

  • No annual fee during the first year after you open an account. Be ready to pay $95 after that.
  • Your reward: Your reward is doubled. Every dollar you spend brings a doubled number of rewards.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred CardThe ideal card to apply for if you’re looking for a high travel reward and a big bonus – Chase Sapphire Preferred® Card:

  • No annual fee during the first year after you open an account. Be ready to pay $95 after that.
  • Your reward: You get a double amount of points when paying with the card for the meals you have at restaurants all over the world. All the rest purchases will bring you 1 point for each dollar spent. You also win a considerable profit when redeeming your rewards to pay for your holidays.

Discover it® – Cashback Match™

Discover it - Cashback Match

The ideal card to apply for if you’re looking for a high cash back for your shopping – Discover it® – Cashback Match™:

  • No annual fee.
  • Your reward: the standard cash back rate amounts to 1%. However, you may earn a 5% cash back for buying items from the bonus categories that you may change each quarter of a year.

Chase Freedom®

Chase Freedom

The ideal card to apply for if you’re looking for a wide variety of bonus categories – Chase Freedom®:

  • No annual fee.
  • Your reward: You activate bonus categories and get a cash back of 5% for making purchases in them. The total sum of the purchases shouldn’t exceed $1,500. You can activate different categories each quarter of a year. For all the rest purchases, you’ll get a cash back of 1%. There is no need to activate any category in this case.

Citi® Double Cash Card – 18 month BT offer

Citi Double Cash Card – 18 month BT offer

The ideal card to apply for if you’re looking for a flat-rate cash back – Citi® Double Cash Card – 18 month BT offer:

  • No annual fee.
  • Your reward: You’ll win 1% cash back when paying for an item with the card and an additional 1% when paying it off.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred Card from American Express

The ideal card to apply for if you’re spending a lot on everyday shopping – Blue Cash Preferred® Card from American Express:

  • Every year you have to pay $95.
  • Your reward: You win 6% cash back for making purchases at the US retail stores and 3% cash back for paying with the card at the US gas stations and at the department stores you choose beforehand. The 6% cash back will apply only if you spend at least $6,000 a year on purchases. All the rest your purchases will bring you 1% cash back. Pay attention to the fact that certain terms and limitations may apply.

The ideal card to apply for if you’re looking for a high travel redemption reward – Capital One® Venture® Rewards Credit Card

Capital One Venture Rewards Credit Card

General description:

  • APR Special Offer: No offer for this card.
  • Standard APR from 13.99% to 23.99%. The rate can vary. Cash Advance APR amounts to 23.99%, but it’s also a subject to changes.
  • There is no fee to pay for the first 12 months, but you’ll have to pay the fee of $95 after that.
  • Special Offer: In case you spend as much as $3,000 within the first 3 months, you’ll be rewarded 50,000 miles. These miles can be converted in $500 that you’ll be able to spend on your future travels.

More information on the card:

  • You’ll get $500 bonus to spend on your future travels. Pay attention to the fact that you have to meet certain requirements to get the bonus.
  • You can get a double number of miles when making purchases with the card everyday.
  • You can use the card for booking tickets of any airline and rooms in any hotels.
  • Only you decide when you want to go travelling. There are no blackout dates.
  • You can get as many miles as you want. Besides, they won’t expire for as long as your account is active.
  • If you apply for the card immediately, there is a chance you can get a metal Venture Card.
  • No charges for foreign balance transfer operations you carry out.
  • You start paying the fee only from the 2nd year of using the card.

Advantages

This card offers one of the most appealing rewards and special offers. You’ll be rewarded 2 miles for every dollar you spend. You won’t have to stay at a particular hotel or book a ticket for a certain airline as it often happens with co-branded cards. You choose any hotel or airline you wish. Since there are no fees on the transactions carried out abroad, you can use it anywhere you want without worrying about spending too much extra money. One more thing that contributes to making this card your ideal choice – the bonus reward of $500 you may get.

Disadvantages

Unfortunately, when using this card, you can’t use any airline-specific benefits. In case you’ve been using the services of one and the same airline and you’re not going to change it, you’d better look for the airline’s co-branded card.

Conclusion

The card is the best when it comes down to earning miles easily and fast. It allows you to redeem your rewards and use them to pay for the hotels, flights and even cruises.

The ideal card to apply for if you’re looking for a high travel reward and a big bonus – Chase Sapphire Preferred® Card

Chase Sapphire Preferred Card

General description:

  • APR Special Offer: No offer for this card.
  • Standard APR from 16.99% to 23.99%. The rate can vary. Cash Advance APR amounts to 25.99%, but it’s also a subject to changes.
  • There is no fee to pay for the first 12 months, but you’ll have to pay the fee of $95 after that.
  • Special Offer: In case you spend as much as $4,000 within the first 3 months, you’ll be rewarded $625 to spend on your future holidays.

More information on the card:

  • The reward mentioned above will be credited to your account if you redeem it through Chase Ultimate Rewards®. The reward is provided in bonus points (50,000).
  • You’ll get a double number of points for using the card when paying for your travels and dinners at any restaurants all over the world. For all the rest purchases you’ll get 1 point for every dollar spent.
  • You may be rewarded additional 5,000 bonus points. For more information you can visit the official website of the emitting bank.
  • There are no charges to pay for the transactions abroad.
  • Bonuses earned can be transferred to the most well-known loyalty programs.
  • When redeeming your rewards to pay for cruses, airlines etc., you get 25% profit.
  • You’re not bound to travel on certain dates. You can book your flight anytime you wish, provided that there are seats left.

Advantages

The card is accepted at lots of places all over the world. One more thing that makes it a great choice for those who are travelling regularly – no fee to pay for transactions abroad. You can use your rewards earned with the card in some other loyalty programs. They will be converted according to 1:1 rate. The majority of those who have the card like the fact that it allows them to get 25% profit when using it for booking travels.

Disadvantages

The card doesn’t provide you with any special perks that are offered by all the co-branded cards.

Conclusion

Do not hesitate applying for this card if you’re looking for an easy way of earning rewards and flexibility. Still, if you prefer using one and the same airline or stay at one and the same hotels, you should look for the co-branded cards of the airline or the hotels.

The ideal card to apply for if you’re looking for a high cash back for your shopping – Discover it® – Cashback Match™

Discover it - Cashback Match

General description:

  • APR Special Offer: No fees for any kind of purchases you make and balance transfer operation during the first 14 months.
  • Standard APR amounts to 11.99 – 23.99%. The rate varies. Cash Advance APR amounts to 25.99% but can also vary.
  • No annual fee is implied.
  • Special Offer. With this card you’ll get cash back on the total sum of all your purchases made during the first year. There are no requirements you need to meet. You get cash back automatically.

More information on the card:

  • SPECIAL OFFER: During the first year, you’ll get cash back on all the purchases you make. The sum will be credited to your account at the end of the year.
  • You can get a cash back of 5% when making purchases on Amazon and Target. The offer expires in January 2018. The rate applies on the sums up to $1,500. However, mind that the bonus categories that are subjects to such a high rate need to be activated. When making any other purchases, you’ll get 1% cash back.
  • You can ask for the cash back on any sum of money spent any time. Your reward is not bound to any particular time period. It will never expire.
  • If any problems occur, you can contact the customer support service that’s based in U.S.
  • You can get Credit Scorecard for free. You’ll also get FICO® Credit Score. You’ll able to get additional information concerning the number of recent inquiries and other useful information.
  • You get alerts each time you visit suspicious websites. The feature is new. There is a special monitoring system that looks out for the websites that are dangerous to visit.
  • You don’t have to pay any annual fee for using the card.
  • If you want to get more information concerning the rates and other terms, click on the “APPLY NOW” button.

Advantages

You can get a cash back of 5% for making purchases in the categories that you choose and activate. The sum you can get a cash back on every quarter of a year amounts to $1,500. As for all the rest purchases you’ll make in other categories, you’ll earn 1% cash back for them. Since there is a wide variety of categories you can activate as bonus ones, the chances that you’ll save some money are quite high. Only you are responsible for activating your bonus categories. With this card everything is a bit different. You won’t get a certain amount paid to you as cash back once you spend a particular amount of money. All your purchases made during the first year of you using the card will be taken into account. You’ll get cash back on the total sum of money you’ll spend during this period. The reward will be credited to your account at the end of the year.

Disadvantages

It can be quite a bother to activate your bonus categories each quarter. Besides, grocery stores haven’t been included as a bonus category for a number of years already. If you have a big family and you need to buy lots of food, this card may not be your best choice.

Conclusion

When it comes down to cash back rate, this card serves as an example to follow. Besides, there is a wide variety of categories that you can choose from. The Special APR Offer makes the card even more appealing. However, you need to remember to activate the bonus categories each quarter of a year. If you forget about it, there is no way you’ll get your reward.

The ideal card to apply for if you’re looking for a wide variety of bonus categories – Chase Freedom®

Chase Freedom

General description:

  • APR Special Offer: There is no fee on any purchases and balance transfer operations you make during the first 15 months.
  • Standard APR amounts to 15.99 – 24.74%. The rate varies. Cash Advance APR amounts to 25.99% but can also vary.
  • No annual fee is implied.
  • Special Offer. Make sure that you spend at least $500 during the first 3 months of using the card. If you meet this requirement, you’ll get a bonus – $150.

More information on the card:

  • You get a bonus of $150 for the purchases you make during the first 3 months. The total sum to be spend is $500.
  • You get 5% cash back on the sums up to $1,500 spent in bonus categories. You have to activate the categories each quarter of a year.
  • There appear new bonus categories each quarter for which 5% cash back is implied.
  • You get an automatic cash back on all the rest purchases you make.
  • There is no APR on the purchases and balance transfers carried out during the first 15 months. After that, the APR of 15.99-24.74% will apply. The minimum sum of money to transfer is $5 and the fee for carrying the operation out amounts to 5% from the total sum.
  • The sum you can redeem for cash back is not limited.
  • As long as your account is active, your rewards do not expire.
  • There is no annual fee to pay.

Advantages

You get a cash back of 5% for making purchases in your bonus categories. The list of the categories is constantly expanding. For all the rest purchases, a cash back of 1% applies. The bonus that you can receive after the first 3 months of using the card serves as an additional advantage. It’s very easy to get it. You only have to spend $500 during these 3 months.

Disadvantages

You need to choose and activate your bonus categories each quarter of a year. You can activate them any time during the quarter. In this case, you’ll still get cash back for all the purchases made during the period of time. However, if you forget to activate your bonus categories, you won’t get any reward for the money spent. If you don’t spend that much money in the categories offered to get the reward, you’d better choose a different card.

Conclusion

The card is well-known for its high cash back rates and easy cash back redemption process. Besides, there is no fee you have to pay each year for using it. If you spend lots of money on buying items from 5% cash back categories, this card will help you save a big sum of money.

The ideal card to apply for if you’re looking for a flat-rate cash back – Citi® Double Cash Card – 18 month BT offer

Citi Double Cash Card – 18 month BT offer

General description:

  • APR Special Offer: There is no fee on balance transfer operations you carry out during the first 18 months.
  • Standard APR amounts to 14.49 – 24.49%. The rate varies. Cash Advance APR amounts to 26.24% but can also vary. A different APR applies in case you don’t pay off for the purchases made on time. The rate amounts to up to 29.99% but it can also vary.
  • No annual fee is implied.
  • Special Offer. There are no special offers for this card.

More information on the card:

  • You get cash back twice. The first time is when you buy an item using the card and the second time is when you pay the sum off. In both cases your reward will amount to 1%.
  • You don’t get any reward for balance transfer operations.
  • You don’t pay any money for carrying out balance transfer operations for the first 18 months. After this period, there will apply a certain APR. The APR that will apply in your case depends on your creditworthiness.
  • If you want to see more information concerning balance transfer fees and information on the way balance transfer operations influence the interest the bank gets, click on the “APPLY NOW” button.
  • There is no annual fee to pay, as well as there are no bonus categories and caps on cash back.

Advantages

The biggest advantage of the card is that it allows you to get the cash back twice – when you buy and when you pay off. Your reward can be redeemed as a statement credit. Besides, it can be credited to your gift card account. There is also the 3rd option – you can request a check to be delivered via mail.

Disadvantages

There are no bonus categories for you to get higher rewards. You need to get specific cards if you want to get a higher cash back. The minimum sum you can withdraw as a cash back is $25.

Conclusion

The thing that makes this card so popular is that the system of cash back is simple. There are no bonus categories to activate. You just go shopping as you usually do and get your reward later on.

The ideal card to apply for if you’re spending a lot on everyday shopping – Blue Cash Preferred® Card from American Express

Blue Cash Preferred Card from American Express

General description:

  • APR Special Offer: There is no fee on purchases and balance transfer operations you carry out during the first 12 months.
  • Standard APR amounts to 13.99 – 24.99%. The rate varies. Cash Advance APR amounts to 26.24% but can also vary. A different APR applies in case you don’t pay off for the purchases made on time. The rate amounts to up to 29.99% but it can also vary.
  • The fee you have to pay each year is $95.
  • Special Offer. If you manage to spend $1,000 during the first 3 months of using the card, you’ll get $200 statement credit. Pay attention to the fact that the offer is a subject to certain terms and conditions.

More information on the card:

  • If you meet all the necessary requirements, you can get $200 statement credit.
  • If you manage to spend the sum of $6,000 during a year, you’ll get a cash back of 6% for the purchases made in the US retail stores. If you don’t spend that much, you’ll still get a cash back of 1%.
  • If you have a car, this card will be also useful for you. You can get 3% cash back for the purchases made at the US gas stations. For any other kinds of purchases, you’ll earn 1% cash back.
  • No APR for the purchases and transfer operations carried out during the first 12 months is a huge advantage of the card.
  • The number of stores and places in the US where you can pay using this card is constantly increasing.
  • Each year you have to pay the fee of $95.
  • You can request your reward as a gift card, statement credit or merchandise.
  • The offers and rates concerning the card are subjects to certain terms.

Advantages

The card is advantageous for those who often buy food and other items at the US retail stores and makes purchases at the US gas stations. With this card you’ll be able to save a considerable amount of money if this is about you. If you buy a gift card and then use it at a number of such like places as restaurants and merchants, your cash back rate will apply not only to the groceries. One more thing that makes the card so popular is the sign-up bonus. Actually, American Express may have a better offer for you. It depends on your creditworthiness.

Disadvantages

Considering the fact that it’s a cash back card, the annual fee to pay is quite high. However, if you manage to spend at least $31 per week for groceries, you’ll get it back as cash back. You need to remember that this is an American Express card – it may not be accepted in some plac3s outside the country.

Conclusion

This card will be advantageous for you only under the condition that you spend $61 per week making purchases in retailer stores and gas stations. If you spend less, you’d better apply for the Blue Cash Everyday® Card from American Express. There is no annual fee in case of this card. However, the cash back rates are significantly lower.

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Comments: 5
  1. Sam Rodgers

    I’m not a regular traveler but I really love getting gift cards in exchange for the earned rewards. Could someone tell me if there are some really great credit cards with this feature? I have a credit score of 815 points so I guess I have a wide choice here. Thanks in advance for you answer.

    1. AmyShoe

      I would really recommend you to apply for a Discover card. I’ve been using it for lots of years and I absolutely love the rewards that come with it. I have an opportunity to activate bonus categories I need each quarter of a year. Discover is great if you need to buy lots of Christmas gifts. I’m also a regular Amazon customer and the card helps me to save a considerable sum on the purchases made there. Hope my recommendation will help.

  2. Jim Sanders

    The Venture Capital One is the best card one can have. I haven’t faced any problems while using it. It’s quite easy to accumulate and redeem my rewards. There occurred some bad situation some months ago. It was successfully resolved with the help of the competent customer support service. Huge thanks on that!

  3. Sally Simkins

    I definitely don’t recommend getting a Barclay’s card. The fraud situations occur regularly and the customer support service is reluctant to come up with any solutions. I had to pay big sums as the result if the several situations involving fraud. I’ve closed my account in the end.

  4. Liam

    I absolutely love my AMEX Blue Cash Preferred card. Actually, when I see that a card implies an annual fee, I refuse applying for it. With this card everything went different. I can’t say that I regret my decision of getting it. It allows me to get $1,500 cash back each year. This is more than enough to “pay off” the fee. The advantages of the card concerning purchases of groceries and at gas stations are outstanding.

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