From helping you shop a little extra to filling your grocery buckets and gas tank, reward points in credit cards can prove to be a cost-effective way of making purchases. These reward points can be redeemed for cash, travel miles, shopping, and much more. So, here are the top points earning credit cards in America that you can consider.
Citi Double Cash Card
The card incurs a 0 annual fee, which is an important factor to put any card on the list of top points earning credit cards in the country. The cashback rate offered on this card is unmatchable. Also, it has 0 percent annual percentage rate, which is an introductory offer that lasts for a long time. The reward structure on the card is simple: it provides a 2 percent cashback rate on every purchase. There are no restrictions on categories in which you can shop, and there is no limitation on the cashback earnings either.
Blue Cash Preferred Card by American Express
The card offers a welcome bonus of $250. Although the card incurs an annual fee of $95, people who spend big in supermarkets, on car gas, or on transits or rideshares can get some alluring rewards. The welcome bonus is easy to get, and there is no enrolment needed to get cashback. It gets credited automatically. Also, customers can enjoy some impressively high cash backs in specific categories.
Capital One Quicksilver Cash Rewards Credit Card
The card gives a $150 bonus, which is one-time and can be availed only after making an expenditure of $500 in the first three months of getting the card. Every purchase gives the customer an impressive cashback of 1.5%, and there are no sign-ups required. There is no cap on the cashback that a customer can earn, and it will not expire if the account is active. There is no annual fee incurred, and customers can enjoy foreign transactions without any additional transaction fees.
Chase Sapphire Preferred Card
The customers get 60,000 bonus points as a welcome bonus with this card. An annual fee of $95 is charged on the card. However, the high reward rates and the flexibility to redeem those reward points are luring enough to make you opt for this card. People who spend a lot on dining and traveling will get so many reward points that the modest annual fee will no more be a burden. The reward points are 2X on dining and traveling. You can dine or travel anywhere in the world using this card to get your reward points.
These are the top points earning credit cards that you can opt for now. Ensure to consider your expenses and budget before going ahead with any of these credit cards.