The best rewards credit cards for everyday spending in 2025

I first obtained began within the factors and miles sport after I realized I used to be leaving cash on the desk with each buy.

Whereas I used to be once hesitant to open a credit card, I’ve since discovered simply how priceless the suitable rewards card might be, and now I am constructing my pockets right into a rewards powerhouse that helps me journey extra, earn quicker and get extra out of each greenback I spend.

One in every of my playing cards (trace: it is on this record) even helped me spend three unforgettable weeks traveling through Europe this previous summer season — a bucket-list journey I by no means would’ve been in a position to swing in any other case.

When you’re on the lookout for the perfect rewards bank cards so as to add to your pockets in 2025, listed here are those I personally use, in addition to those I plan to open subsequent.

Evaluating my high picks for the perfect rewards bank cards

This is a fast overview of what every of my favourite rewards playing cards has to supply.

Prime Visa

Standout advantages: An easy, no-annual-fee card that earns 5% again on amazon.com and Entire Meals purchases, making it a best choice for frequent Amazon buyers.

If there may be one card I want I obtained earlier than my current transfer (and plenty of subsequent Amazon orders), it is the Prime Visa. Whereas unassuming with its $0 annual payment, this card is a straightforward but efficient choice that helps flip everyday spending into significant rewards.

Providing 5% again at amazon.com, Entire Meals Market and Amazon Recent, this card is among the finest rewards bank cards for furnishing a brand new house, holiday shopping, buying weekly groceries and past.

Plus, it additionally affords 2% again at eating places and gasoline stations and on native transit, which (mixed with its lack of international transaction charges), makes for a surprisingly travel-friendly cash-back card. By utilizing your card purchases in these classes, you may maximize your rewards on each on a regular basis and specialty spending.

Reward your inbox with the TPG Every day e-newsletter

Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants

By signing up, you’ll obtain newsletters and promotional content material and conform to our Terms of Use and acknowledge the info practices in our Privacy Policy. You might unsubscribe at any time.

The Prime Visa additionally gives a bunch of protections, together with purchase protection and extended warranty protection — one thing you do not typically see with a no-annual-fee card.

I am eager about including this card to my pockets quickly, as it’s at present providing a $250 Amazon reward card immediately upon approval (completely for Prime members), making it a simple approach to put some a reimbursement in my pocket forward of the vacation season.

To be taught extra, try our full review of the Prime Visa.

Apply right here: Prime Visa

Chase Sapphire Most well-liked Card

Standout advantages: Flexible travel redemptions, valuable transfer partners and a modest annual payment make this top-of-the-line rewards credit cards for anybody beginning out with factors and miles.

The Chase Sapphire Preferred was the primary rewards card I ever opened, and it fully modified how I take into consideration spending. As a substitute of incomes money again, I started incomes Chase Ultimate Rewards factors that might be transferred to companion loyalty applications like World of Hyatt, United Airlines MileagePlus and Air France-KLM Flying Blue.

That flexibility is what makes this card a favourite amongst vacationers. Whether or not you need to guide flights by means of the Chase Journey portal or switch factors to journey companions to maximise worth, the Sapphire Preferred retains your choices open.

By profiting from a 25% Chase-Flying Blue transfer bonus this previous summer season, I used to be in a position to switch simply 15,000 factors for a nonstop flight from Washington, D.C., to Paris — a flight that will have in any other case price me greater than $600. The Sapphire Most well-liked is straightforward sufficient to make the most of that I would say it’s one among, if not the, best travel card for beginners (I is perhaps biased, however don’t just take my word for it).

Even with its approachable $95 annual payment, the perks simply justify the associated fee. You get a $50 annual hotel credit for bookings by means of Chase Journey, a ten% anniversary factors increase annually and helpful protections like trip cancellation and buy protection.

The Sapphire Most well-liked has been the inspiration of my rewards technique, and I’m all the time recommending it to individuals who need to flip on a regular basis spending into their subsequent journey.

To be taught extra, try our full review of the Sapphire Preferred.

Apply right here: Chase Sapphire Preferred

Capital One Enterprise X Rewards Credit score Card

Standout advantages: Premium journey perks, flexible redemptions and easy incomes make this top-of-the-line rewards bank cards for vacationers who need sturdy worth with out pointless complexity.

The Venture X Rewards Credit Card has been on my want record for months, and with its present supply of 100,000 miles after spending $10,000 in six months — the strongest we have seen for the reason that card debuted in 2021 — I knew it was finally the right time to apply.

After watching buddies, relations and colleagues use their Enterprise X to guide flights, relax in airport lounges and rack up rewards with ease, I spotted this card deserved to be my first premium travel card.

The cardboard’s easy incomes construction is a part of its magic. Cardholders earn:

• 2 miles per greenback spent on each buy
• 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
• 10 miles per greenback spent on lodges and rental automobiles booked by means of Capital One Journey

Moreover, Venture X affords cardholders $300 in annual statement credits for bookings made by means of Capital One Journey, which may also help cowl a last-minute vacation journey or a much-needed getaway.

And if that wasn’t candy sufficient, cardholders additionally earn 10,000 bonus miles after every account anniversary. This perk alone is price $185 in worth (in line with TPG’s November 2025 valuations), and additional chips away on the modest annual payment.

To not point out, the cardboard’s beneficiant, best-since-2021 welcome supply of 100,000 miles after you spend $10,000 in six months is price $1,850, in line with our November 2025 valuations, because of the outsize worth you will get from transferring Capital One miles to this system’s 15-plus airline and hotel partners.

The six-month spend window additionally makes this way more attainable than most premium playing cards, breaking down to only below $1,700 per thirty days.

With its easy rewards, lounge entry and versatile redemptions, the Enterprise X proves year over year why it is top-of-the-line rewards bank cards at present in the marketplace, and I am unable to wait to place it to good use.

To be taught extra, try our full review of the Capital One Venture X.

Study extra: Capital One Venture X Rewards Credit Card

American Specific Platinum Card

Standout advantages: Premium travel perks, in depth lounge entry and beneficiant assertion credit make this top-of-the-line rewards playing cards for frequent vacationers who worth consolation and comfort.

The Amex Platinum has lengthy been thought-about the gold commonplace of premium journey rewards, and for good cause. Whereas the Amex Platinum is not in my pockets but, it is firmly on my record.

Providing a priceless mixture of travel and lifestyle credits that simply justify the cardboard’s sky-high annual payment when used strategically, it is a card constructed for many who worth each comfort and elevated experiences.

Add in complimentary entry for eligible cardmembers to the American Specific World Lounge Assortment — together with Centurion Lounges — and it is easy to see why this card constantly ranks among the many finest rewards playing cards accessible.

To be taught extra, try our full review of the Amex Platinum.

Apply right here: Amex Platinum

How I selected my high rewards playing cards

When narrowing down the perfect rewards bank cards, I prioritized versatility, long-term worth and the power to earn significant rewards on on a regular basis spending.

Every of those playing cards affords sturdy incomes potential throughout common classes like dining, journey and online shopping — however extra importantly, they make redemptions easy, whether or not you are reserving flights, transferring factors to companions or masking on a regular basis purchases.

Backside line

Discovering the perfect rewards bank card is about selecting the one that matches your life-style and targets.

For me, that meant beginning with a versatile card I may use every single day, whereas constructing towards extra premium options as my journey habits evolve. While you take the time to learn the way every profit works, even only one nice rewards card can flip on a regular basis spending into one thing greater — whether or not that is a free flight, a five-star stay or just extra freedom in the way you spend.

Associated: How to pick the right travel credit card for you

For charges and charges of the Amex Platinum, click on here.