This is especially good for those who have very varied spending, and don't shop at traditional
credit card rewards categories.
To help narrow the field of options, we conducted a study of over 100 + credit cards that analyzes the value proposition of
all credit card rewards categories to see which type provided consumers with the best value.
Anyone with varied spending that doesn't conform to traditional
credit card rewards categories
A company with major business expenses that align with most business
credit card reward categories.
This is particularly useful for people with varied spending, not captured by the typical
credit card reward categories.
The fixed 1.5 % rewards rate makes the card much better for people with a wide array of expenses that don't always conform to the standard
credit card reward categories — dining, gas, groceries and travel.
Not exact matches
Get
rewarded on business - specific purchases A business
credit card can help you reap substantial
rewards on your business purchases, with bonus
categories targeted to common business purchases.
Rewards Categories: Merchants who accept Visa / MasterCard
credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa / MasterCard procedures based on the kinds of products and services they primarily sell.
The
rewards for this
card include double or triple points in the
category of your choice, which is a great perk for business owners who spend a large portion of their
credit on one
category, such as gas or groceries.
Chase
credit cards with Ultimate
Rewards earn points quickly in bonus
categories, which can be seen in the table below.
We can divide
rewards credit cards into two general
categories: travel and cash - back
cards.
Travel
rewards credit cards come in two main
categories.
It fits all the
categories of what a traveler should look for in a travel
rewards credit card.
After they've maximized the
rewards and spending limits on their special category cards, then these users can return to the Capital One ® Quicksilver ® Cash Rewards Credit Card as the base credit card for 1.5 % r
rewards and spending limits on their special
category cards, then these users can return to the Capital One ® Quicksilver ® Cash
Rewards Credit Card as the base credit card for 1.5 % r
Rewards Credit Card as the base credit card for 1.5 % re
Credit Card as the base credit card for 1.5 % rewa
Card as the base
credit card for 1.5 % re
credit card for 1.5 % rewa
card for 1.5 %
rewardsrewards.
If 50 % of your
credit card purchases fall into dining and travel categories, the Barclays Arrival ™ World MasterCard ® is the better long - term deal - otherwise opt for the BankAmericard Travel Rewards ® Credi
credit card purchases fall into dining and travel categories, the Barclays Arrival ™ World MasterCard ® is the better long - term deal - otherwise opt for the BankAmericard Travel Rewards ® Credit
card purchases fall into dining and travel
categories, the Barclays Arrival ™ World MasterCard ® is the better long - term deal - otherwise opt for the BankAmericard Travel
Rewards ®
CreditCredit CardCard
Credit cards that earn Chase Ultimate
Rewards have lucrative bonus
categories on top of their sign - up bonuses, which make them ideal for earning points for your next trip to Hawaii.
If your business needs a good travel
card, the Ink Business Preferred ℠ Credit Card offers great rewards in common spending categories, and the sign - up bonus is outstand
card, the Ink Business Preferred ℠
Credit Card offers great rewards in common spending categories, and the sign - up bonus is outstand
Card offers great
rewards in common spending
categories, and the sign - up bonus is outstanding.
While they are technically hotel
credit cards, the following
cards belong to the travel
rewards category as well because they have such an amazing opportunity with travel partners:
Most
credit cards can match or beat that 2 %
rewards rate in one or two
categories, but not across the board, for all spending.
Tip # 2: Use the United MileagePlus ® Club
Card to earn 1.5 X United miles per dollar on purchases that don't fall under a bonus
category of one of the Chase Ultimate
Rewards credit cards.
By entering your estimated monthly spending, into the
categories below, we will calculate for you the
reward rates you can expect out of the following
credit cards.
All the
card's features make the Barclays Arrival Plus ® World Elite Mastercard ® one of our «editor's pick» in
categories like Best
Rewards Credit Cards, Best Airline
Credit Cards and Best Hotel
Credit Cards.
The Chase Freedom ® gives some of the highest
rewards out of all
credit cards, on
categories that change on a quarterly basis.
Most travel
rewards credit cards will offer bonus points or miles for spending in travel
categories, like airfare, car rentals, hotel stays, dining, and entertainment.
For a straight cash
rewards credit card, it's one of the best available when it comes to getting cash back for all your purchases (not just the ones in bonus
categories).
A long reigning champion of the travel
cards category is the Capital One ® Venture ®
Rewards Credit Card.
Another
category that earns double the FlexPoints is cell phone expenses, which is a rare bonus
category on a travel
rewards credit card.
For those consumers whose spending in these three
categories is seasonal, the FlexPerks Travel
Rewards credit card will automatically adjust to
reward a bonus point on the highest
category that month.
The Capital One ® VentureOne ®
Rewards Credit Card is designed somewhat differently with a flat rewards rate structure of 1.25 miles per dollar spent on all cate
Rewards Credit Card is designed somewhat differently with a flat
rewards rate structure of 1.25 miles per dollar spent on all cate
rewards rate structure of 1.25 miles per dollar spent on all
categories.
Discover ranked first for overall satisfaction in J.D. Power's 2016 U.S.
Credit Card Satisfaction Study, earning high marks in
categories such as
rewards and customer interaction.
The Ink Business Preferred ℠
Credit Card and other Chase Ultimate Rewards credit cards can be used in combination to cover all bonus categ
Credit Card and other Chase Ultimate
Rewards credit cards can be used in combination to cover all bonus categ
credit cards can be used in combination to cover all bonus
categories.
Below we analyze what kind of
rewards rates one can expect out of
credit cards in each of the separate
rewards categories.
And if your
rewards depend on the
category of spending, call your
credit card company ahead of time to check on whether what you have in mind will count toward
rewards.
Additionally, Credible has selected (and reviewed) the best
credit cards in each
category based on a number of relevant factors, including clarity in Terms and Conditions, fees, promotions and offers such as sign - up bonuses,
rewards rates, and ease of redeeming
rewards as well as APR..
The graph below quantifies the mean bonus by each
category of
rewards credit cards.
Some of the best
credit cards for travel, such as the Capital One ® Venture ® Rewards Credit Card, have broader categories when it comes to redeeming for travel exp
credit cards for travel, such as the Capital One ® Venture ®
Rewards Credit Card, have broader categories when it comes to redeeming for travel exp
Credit Card, have broader
categories when it comes to redeeming for travel expenses.
By contrast, the Ink Business Preferred ℠
Credit Card will give businesses a 3.75 %
rewards rate on all travel purchases (for the first $ 150,000 of combined spending in select
categories).
Companies who spend a lot on office supplies, wireless bills, or other
categories where the SimplyCash ® Plus Business
Credit Card from American Express
rewards 5 % / 3 %
Given their average
rewards, airline and travel
credit card owners should be careful when choosing between the
categories.
Most travel
rewards credit cards will offer bonus points or miles for spending in travel
categories, like airfare, car rentals, hotel stays, dining, and entertainment.
The Citi Prestige ®
Card, however, earns you superior rewards on your spending, and works better as an everyday credit card, due to the 3x and 2x point accrual categor
Card, however, earns you superior
rewards on your spending, and works better as an everyday
credit card, due to the 3x and 2x point accrual categor
card, due to the 3x and 2x point accrual
categories.
«A great 2 % cash back
credit card, good for those who want to earn
rewards across a variety of
categories.»
The Marriott
Rewards ® Premier
Credit Card is one of our favorite hotel credit cards, due to the 1 free night stay at a category 1 - 5 hotel it offers each account annive
Credit Card is one of our favorite hotel
credit cards, due to the 1 free night stay at a category 1 - 5 hotel it offers each account annive
credit cards, due to the 1 free night stay at a
category 1 - 5 hotel it offers each account anniversary.
It still remains a
rewarding credit card with double miles on dining and travel expenses, but only a single mile per dollar spent on all other
categories.
For those consumers whose spending in these three
categories is seasonal, the FlexPerks Travel
Rewards credit card will automatically adjust to
reward a bonus point on the highest
category that month.
Plus, earn better
rewards than most other
credit cards, including one ScoreCard point for every dollar spent — and year - round 2x and 3x points
categories.
A long reigning champion of the travel
cards category is the Capital One ® Venture ®
Rewards Credit Card.
When shopping for
credit cards in all different
categories, it is always advisable to look at the maximum and minimum
rewards rates available to you.
Chase is one of our top business
credit card choices thanks to its high
rewards rates and broad
categories for business - related expenses.
In other words, if you don't travel or use any of those
categories in the parenthesis, then the Capital One ® Quicksilver ® Cash
Rewards Credit Card is the better card for
Card is the better
card for
card for you.