If you do not strive for points redemption on travel, but you still prefer to earn
high rewards on purchases, consider other credit cards.
Other issuers tend to provide the ability for businesses to specialize in several particular merchant categories, providing
higher rewards on those purchases.
Not exact matches
Or, you may earn a
higher rewards rate by choosing a flat - rate card that offers the same
rewards rate
on every
purchase.
If you're looking to be more active in your spending, using select cards
on purchases that offer
higher reward rates, there are certainly alternatives that earn more cash back.
Combine the
high signup bonus, ability to earn bonus
rewards on purchases, and its flexibility, and it's no wonder why this is such a sought after credit card.
The Starwood Preferred Guest ® American Express Luxury Card's most attractive feature is its
high rewards earnings
on all
purchases, which is fairly uncommon among co-branded credit cards.
The Discover it ® — Cashback Match ™ currently offers some of the
highest cash back rates of any
rewards credit card, albeit not
on all of your
purchases or
on the same spending all the time.
While the card doesn't come with a robust
rewards program like Chase Ultimate Rewards, it offers a high yield on Marriott purchases, and an anniversary bonus which can be worth hundreds of d
rewards program like Chase Ultimate
Rewards, it offers a high yield on Marriott purchases, and an anniversary bonus which can be worth hundreds of d
Rewards, it offers a
high yield
on Marriott
purchases, and an anniversary bonus which can be worth hundreds of dollars.
Some pay a flat rate
on all
purchases, while others shell out
higher rewards in certain categories, such as gas or groceries.
Rather than using a different credit card for every type of
purchase, you can pick one all around cash back credit card that gives you
high rewards based
on your typical spending patterns.
Although slightly
higher in cost, Juné could have done a print -
on - demand with
rewards available to
purchase like typical merchandise.
For instance consider that the Amazon card gives more opportunity to earn
higher rewards, in addition, with the Amazon card if you have an eligible Prime membership, you can upgrade your Amazon Rewards Visa Signature Card to earn 5 % Back on Amazon.com pur
rewards, in addition, with the Amazon card if you have an eligible Prime membership, you can upgrade your Amazon
Rewards Visa Signature Card to earn 5 % Back on Amazon.com pur
Rewards Visa Signature Card to earn 5 % Back
on Amazon.com
purchases.
For frequent travelers looking for a generous
rewards rate — 5x points per $ 1 spent
on airfare
purchased directly from airlines or booked through American Express Travel and
on hotels booked
on amextravel.com — as well as
high - end perks like $ 200 a year in credit to offset airline incidental expenses, a 60,000 point welcome bonus, and Gold status at Hilton and Starwood hotels, the Platinum Card ® from American Express is a card that should definitely be
on your radar.
If you're looking to be more active in your spending, using select cards
on purchases that offer
higher reward rates, there are certainly alternatives that earn more cash back.
The Fidelity ®
Rewards Visa Signature ® card offers
high cash back
on all
purchases, and it comes with no annual fee.
The Discover It is a great general
purchase cash back
rewards credit card, but some cardholders might find other cards to be better options, whether because of
higher cash back percentages, fewer limits
on rewards spending, better introductory offers, or more widespread acceptance.
The 5 % cash back users get
on the first $ 1,500 in
purchases (each time you activate), within rotating categories, is among the
highest rewards rates available of any card.
Since Capital One ® charges no foreign transaction fees
on purchases made outside the United States, the Journey ® Student
Rewards from Capital One ® is worth considering by any student planning to study abroad (or travel outside the U.S. during breaks), since foreign transaction fees
on some credit cards can be as
high as 5 % of each
purchase transaction — if you travel internationally find a card that does not charge these fees, if at all possible!
The Capital One ® Spark ® Cash for Business is a fantastic go - to credit card for most businesses, thanks to its
high rewards rate
on all
purchases.
If you ever travel outside the United States, it's imperative to have a card for
purchases that lets you avoid
high foreign transaction fees; with the Journey ® Student
Rewards from Capital One ® you'll pay no foreign transaction fees
on your
purchases.
While the card doesn't come with a robust
rewards program like Chase Ultimate Rewards, it offers a high yield on Marriott purchases, and an anniversary bonus which can be worth hundreds of d
rewards program like Chase Ultimate
Rewards, it offers a high yield on Marriott purchases, and an anniversary bonus which can be worth hundreds of d
Rewards, it offers a
high yield
on Marriott
purchases, and an anniversary bonus which can be worth hundreds of dollars.
Not only do these cards offer great exclusive perks, but the also offer great standard credit card perks, like 2x the
rewards on all
purchases and bonus intros that can go as
high as $ 1,000 in
reward points.
This card offers cash
rewards on every
purchase, with a
higher rewards rate when you fuel up or grab dinner out.
And don't forget: steady dividend hikes not only make a stock more alluring to new income investors, but also
reward existing investors with increasingly
higher yields
on shares
purchased at lower prices in the past.
The Barclays Arrival Plus ® World Elite Mastercard ® has a lower annual fee, while giving users a slightly
higher rewards rate
on all
purchases.
The Capital One ® VentureOne ®
Rewards Credit Card is the winner because even though the low range of the variable
purchase APR matches that of the JetBlue Card, the
high range of the variable
purchase APR of the Capital One ® VentureOne ®
Rewards Credit Card, based
on creditworthiness, is a full 3 percent lower.
If you have a
high credit score (here's how you can get one), then you get the ability to earn
rewards on your
purchases.
5 % is the
highest cash back percentage possible, and is usually reserved
on rotating category cash back cards that
reward seasonal
purchases.
Not only will you earn a sign - up bonus, but you will also receive one of the
highest purchase reward rates of any card currently
on the market.
While it does have a
higher annual fee than the IHG ®
Rewards Club Traveler Credit Card — $ 95 (waived for the first year) compared to $ 29 — the increased rewards earned on restaurant and travel will make up for this if you can make over $ 5,410 in non-IHG purchases per year within these cate
Rewards Club Traveler Credit Card — $ 95 (waived for the first year) compared to $ 29 — the increased
rewards earned on restaurant and travel will make up for this if you can make over $ 5,410 in non-IHG purchases per year within these cate
rewards earned
on restaurant and travel will make up for this if you can make over $ 5,410 in non-IHG
purchases per year within these categories.
The Capital One ® Venture ®
Rewards Credit Card bucks that trend and gives a high 2 % rewards rate on all your pur
Rewards Credit Card bucks that trend and gives a
high 2 %
rewards rate on all your pur
rewards rate
on all your
purchases.
Other brands may expand
on their existing suite of cards like PayPal did earlier this year when it debuted its cash - back card and Amazon, which offered a new Visa Signature card for just its Prime members with a
higher rewards rate for Amazon
purchases.
These card also typically offer a
higher rewards rate for entertainment, travel and restaurant — the types of
purchases you typically make
on vacation — than for other
purchases.
Expedia ® + cardholders earn 3 points from Expedia
purchases, and 1 point per $ 1 everywhere else — meaning there are very few chances to collect a
high rewards rate, when compared to those
on the Expedia ® + Voyager Card.
The Discover it ® — Cashback Match ™ currently offers some of the
highest cash back rates of any
rewards credit card, albeit not
on all of your
purchases or
on the same spending all the time.
Rather than using a different credit card for every type of
purchase, you can pick one all around cash back credit card that gives you
high rewards based
on your typical spending patterns.
Consider this if you don't care about travel
rewards and want the
highest cash back
rewards on everyday
purchases.
The Walmart MoneyCard ℠ MasterCard ® Prepaid Card is ideal for those frequent Walmart shoppers because it offers
high levels of cash back
rewards on Walmart
purchases, including online and in - store spending.
But the Discover it ® chrome for Students offers a
higher 2 % cash back
rewards rate
on gas and restaurant
purchases, up to $ 1,000 in combined
purchases per quarter.
But if you spend the majority of your money
on other
purchases, you might be better off getting a
rewards card that offers a
high cash back percentage
on everyday
purchases like the Quicksilver card or even the QuicksilverOne card.
Other alternatives are flat rate cash back cards, such as the Citi Double Cash, which provide better
rewards on overall
purchases to
high spenders.
Also, the variable Annual Percentage Rate (APR) for
purchases of 25.99 % is
high, as it is
on most store cards, so don't carry a balance or you'll quickly negate your
rewards.
Besides that, the variable Annual Percentage Rate (APR) for
purchases is
on the
high side at 27.24 % which diminishes the value of your
rewards if you carry a balance.
«
Purchases made through a third - party payment account or
on an online marketplace (with multiple retailers) will not receive a
higher percentage
reward.
High rewards rate
on British Airways
purchases, along with opportunity to earn a Travel Together Ticket (companion ticket)
Blue Cash Preferred features
higher reward levels (6 % at supermarkets, 3 % at gas stations and drug stores, 1 %
on other
purchases), but carries a $ 75 annual fee.
Outside of
high rewards on airline ticket
purchases, this card gives all users the opportunity to earn a Travel Together Ticket, which is one of the most
high - valued credit card
rewards available.
Many card issuers will use
high sign - up bonuses and generous
rewards on purchases to attract new cardholders.
The best use case for this card is to make business and AA
purchases, where you earn
rewards twice as fast, and wind up
on the
higher end of the
rewards rate spectrum (2.7 %).
Outside of
high rewards on airline ticket
purchases, this card gives all users the opportunity to earn a Travel Together Ticket, which is one of the most
high - valued credit card... Read More