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Rewards Credit Cards for September 2021

Compare our recommended rewards credit card offers from our partners. Apply securely online by clicking APPLY NOW.
Sign up for a free account and Clyde’s AI will estimate the first year rewards value you will receive for each card. Estimates are personalized and based on your opt-in transaction data securely shared through Plaid.

Chase Sapphire Preferred® Card

Requires sign in
Welcome Bonus
100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards Rate
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Ultimate Rewards
Get 25% more value when you redeem for travel through Chase Ultimate Rewards
See Full Details

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
On Citi's secure site
Requires sign in
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Extra Benefits
No annual fee and free access to Citi Entertainment®
See Full Details

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
3% Cash back on your first $6,000 of eligible purchases per year at US supermarkets, 2% Cash Back at Gas Stations, 1% Cash Back on all other purchases
Welcome Offer
Earn up to $250 in statement credits. Terms apply.
0% Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
See Full Details

Chase Freedom Unlimited®

Chase Freedom Unlimited®
On Chase's secure site
Requires sign in
Rewards Rate
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Welcome Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro Purchase APR
0% for 15 months on Purchases
See Full Details

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card
On Citi's secure site
Requires sign in
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
See Full Details

American Express® Gold Card

American Express® Gold Card
On American Express's secure site
Rates & Fees
Rewards Rate
4x points on purchases at U.S. restaurants and U.S. supermarkets, 3x points on flights booked directly with airlines on amextravel.com, 1x points on all other purchases
Welcome Bonus
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months
Extra Perks
Up to $240 in dining and travel credits. Terms apply.
See Full Details

Chase Sapphire Reserve®

Chase Sapphire Reserve®
On Chase's secure site
Requires sign in
Rewards Rate
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®, 3X points on other travel and dining & 1 point per $1 spent
Welcome Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Perks
Access to 1,300+ airport lounges & up to a $100 application fee credit for Global Entry or TSA Pre✓®
See Full Details

Discover it® Miles

Discover it® Miles
On Discover's secure site
Requires sign in
Rewards Rate
Unlimited 1.5 Miles on every dollar spent on purchases
Welcome Bonus
Discover will match Miles earned for the first year
Regular Purchase APR
11.99% - 22.99%
See Full Details

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
6% cash back at supermarkets (up to $6,000) and select streaming subscriptions, 3% cash back on transit and gas, 1% on all other purchases
Welcome Offer
Earn up to $350 in statement credits. Terms apply.
Intro Purchase APR
0% for 12 months on purchases, then a variable rate, 13.99% to 23.99%
See Full Details

Capital One VentureOne Rewards Card

Capital One VentureOne Rewards Card
On Capital One's secure site
Requires sign in
Rewards Rate
1.25 miles per dollar on every purchase
Welcome Bonus
20,000 points after spending $1,000 in the first 3 months
Regular Purchase APR
15.49%, 21.49%, 25.49%
See Full Details

The Platinum Card® from American Express

The Platinum Card® from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
5x points on hotels and flights booked directly or with American Express, 1x points on all other purchases
Welcome Bonus
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership
Airport Peks
Enjoy access to the Global Lounge Collection & a $179 CLEAR® credit
See Full Details

Rewards Credit Cards

Rewards credit cards work on the principle of compensating a user’s purchases by providing rewards in various forms. By awarding attractive rewards, credit card companies can incentivize you to use their cards over other brands. Most card rewards come in three forms: cash back, miles, or points.

Cash Back Rewards

Cash rewards give you the opportunity to redeem your rewards in the form of cash usually in the form of a statement credit or through a platform partner -- like Amazon. Depending on the partners your credit card company has, you may also be able to redeem these rewards via gift cards etc, whereas others may be more restrictive in their redemption policies. Cash back, like most rewards, is earned upon making a purchase made with your credit card.

Points Rewards

The points system works similarly to the cash rewards and is dependent upon how much you spend. Instead of receiving cash as compensation for your purchases, you will receive a certain number of points, dependent on your purchases, that you can redeem for certain goods or services. Typically, points rewards are specific to a particular type of reward -- like travel. The tradeoff is you may earn a higher rewards rate for a particular kind of purchase but may not earn points for general purchases.

In many cases, a points system may be more advantageous since many goods are cheaper through point redemption than via cash redemption. This is more rewarding but often comes at the cost of less optionality. Ideally, you would want to open a card through which you can maintain a point to reward ratio of 1 to 1 (or greater), i.e 1 mile is equivalent to 1 cent or penny.

Travel Rewards/Miles

Travel rewards offer you travel miles in exchange for your travel purchases, which can be used for various purchases, such as hotels and flight updates.

These rewards are often split into two categories, tiered and flat rewards. Flat rewards offer the same fixed rewards regardless of what you purchase. On the other hand, tiered rewards offer different rewards rates depending on the purchase category. Within tiered rewards, the categories with higher reward rates may also change from time to time.

Maximizing Rewards

Apart from the type of rewards cards, it is also crucial to understand how to best maximize the effectiveness of your rewards. For instance, you should look out for rewards cards that offer the biggest bonuses, many of which come in the form of a sign up bonus. Many sign up bonuses can only be redeemed after you have spent a certain amount of money with the card; therefore, it is important to look at how much you usually spend per month. If you don’t want to take the time to perform the manual analysis yourself, you can sign up for a free Clyde account. Clyde’s AI calculates the rewards value for each card you will likely earn in the first year after card opening. Determining if you’re likely to receive your welcome bonus is one of the factors the AI considers when calculating your rewards value.

Points Expiration

When evaluating which new card to apply for, look into if your rewards expire. Some cards will offer rewards that are valid as long as you keep the account open, while others have offers that are valid for a limited period of time only. Similarly, it is also important to understand cash back caps for cash rewards cards. Some cash rewards cards impose caps/restrictions on the rewards you can earn. For example, your rewards rate on a particular category can be higher until you spend a certain amount, after which it declines.

Rewards vs Fees

Rewards also need to be something that financially makes sense for you in the long run. Even if a card you offer has a good rewards rate it is vital to calculate whether these rewards are greater than the annual fee and other fees involved with the card. If you want these calculations done for you, sign up for a free Clyde account. You will see the annual rewards value, less fees, you are likely to earn after the first year of card opening. You can compare cards quantitatively by their value to ensure you get the best card for how you spend.

Considerations

Planning ahead of time will also help increase the effectiveness of your rewards card. If you are looking for your first card you should consider a rewards card for Limited / No credit. If you have credit history, typically the highest rewarding cards are available to individuals with Good or Excellent credit.

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