Interested on signing up for a rewards credit card, but don’t know where to start? We’ve got your back here at HustlerMoneyBlog!
Nowadays, most credit cards offers some type of rewards just for using it whether it’s earning points and miles, hotel, and cash back! It can get a little overwhelming at first since not all rewards are created equal.
So how do you choose a rewards credit card? It all depends on your lifestyle and what you’re going to use it for! Continue reading below to see which rewards suits you the most!
Company Rewards
If you’re a business owner, consider signing up for a business credit card! This well help your business get access to the credit it might need to help fund any purchases while also managing any spendings and help save money or earn rewards over time!
Most of the best business credit cards have rewards, sign-up bonuses and generous benefits. You can see which cards are available for your business needs below!
Company Rewards Cards to Consider
The Ink Business Preferred® Credit Card offers 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase TravelSM. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase TravelSM. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
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The Delta SkyMiles® Platinum Business American Express Card offers 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles At Delta Per every eligible dollar spent on purchases made directly with Delta and hotels. • 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. • 1X mile on every eligible dollar spent on other purchases. Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers. Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles(R) Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details. Receive a fee credit for TSA PreCheck or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge. Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. This card does carry a $350 annual fee. (See Rates & Fees). Terms and limitations apply. |
Travel Rewards
If you travel frequently whether it’s for business or personal reasons, a travel rewards credit card may be a good option for you! With a travel rewards, each purchase you make earns points or mile that can helps you get closer to a trip! You can redeem your rewards for towards your travel expenses.
Already have a favorite airline or hotel chain? You should consider signing up for that company’s branded credit card. However, if you’re not too sure, you should look into general travel credit cards that can give you flexible rewards that you can use without the restrictions and blackout dates that branded cards have.
General Travel Cards
These are bank-branded cards with rewards that can cover a range of travel expenses. General travel card have the benefit of flexibility among companies, but will get similar rewards rates as a cash reward credit card.
Don’t expect any upgrades or special treatment with a general travel credit card, this type of card is equivalent of a cash rewards card in its payoffs and perks, except that the rewards must generally be spent on travel.
Co-Branded Cards
These are cards branded with an airline or hotel chain. They typically allow you to redeem rewards within one loyalty program. You can see what are credit card points and miles worth here.
Travel Rewards Cards to Consider
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase TravelSM. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre?®. Member FDIC |
The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. You're able to earn: • 2 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre?®. |
The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms apply. You'll earn: • 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). • 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
The Delta SkyMiles® Reserve American Express Card offers 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership. Enjoy complimentary access to the Delta Sky Club and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Enjoy complimentary access to The Centurion Lounge when you book a Delta flight with your Reserve Card. Receive a Companion Certificate on First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details. You'll earn: • Earn 3X Miles on Delta purchases. • Earn 1X Miles on all other eligible purchases. • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles Reserve American Express Card. Enrollment Required. • $200 Delta Stays Statement Credit: Delta SkyMiles Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com. • Receive four Delta Sky Club One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. • Delta SkyMiles(R) Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com. Enjoy your first checked bag free on Delta flights. This card does come with a $650 annual fee and no foreign transaction fees. (See Rates & Fees) Terms Apply. |
Cash Back
A cashback credit card is a good option for a those who are looking for a low maintenance wallet, since most cashback credit cards don’t charge annual fees and redeeming rewards is simple.
With a cashback credit card, your rewards come in dollars, not points or miles like a travel credit card would. Keep in mind that cash back doesn’t always mean cash back. While some credit cards will reward your cash back as a deposit to your bank account or mail a check to you, most cash back credit cards let you redeem your rewards as a statement credit.
Cash Back Credit Cards to Consider
The Chase Freedom FlexSM offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel?, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
The Chase Freedom Unlimited® Card offers: INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%. You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
The Capital One SavorOne Cash Rewards Credit Card offers a one-time $200 Cash Back after you spend $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months. You'll earn: • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
Bottom Line
Hopefully this starter guide helped you see which rewards credit card you really need. Although a rewards credit card might be good to earn free cash, free travel as well as other benefits, do always remember to not let it tempt you into overspending!
If you’re not interested on any of the credit cards suggested above, you can view our full updated list of the best credit card bonuses and promotions that you can take advantage of! Plus while you’re here on HMB, you can check out our archives of credit card reviews!
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