8 Best Rewards Credit Cards You Should Have in Your Wallet in 2018

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In the past five years, I’ve earned more than $20,000 in credit card rewards through sign-up bonuses and everyday rewards.

I’ve also learned how the top credit cards outshine the competition. Whether they offer massive sign-up bonuses, valuable rewards programs, or superior perks and fringe benefits, the best credit card deals provide value that can make a difference in your life.

And If you have good or excellent credit, you should have a good chance to qualify for most, if not all, of them.

8 top credit cards you need to have in your wallet

To help you decide which credit card is best for you, we’ve broken them down into two rewards categories: travel and cash back. Depending on your preference, one rewards type might sound better than the other. But keep an open mind to ensure you get the most value.

Top credit cards for travel rewards

There are scores of good credit cards in the travel rewards realm, so it’s important to know what you want. We’ve broken down travel rewards into a few more categories to give you an idea of what’s out there.

Credit Card Best For
Capital One® Venture® Rewards Credit Card General travel rewards
Chase Sapphire Reserve® Premium perks
UnitedSM Explorer Card Air travel
Marriott Bonvoy Brilliant™ American Express® Card Hotel stays
Bank of America® Travel Rewards Visa® credit card No annual fee

Capital One® Venture® Rewards Credit Card: Best for general travel rewards

The Capital One® Venture® Rewards Credit Card’s rewards program is its bread and butter. It’s the perfect card for someone who wants to rack up rewards without having to remember bonus categories.

You’ll earn:

  • One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • 2 Miles per dollar on every purchase, every day

Annual fee – $0 intro for first year; $95 after that

Here are some other highlights:

  • Use your rewards to book travel on any website or app. You’re not restricted to one airline or hotel chain.
  • Get free upgrades and special savings at hotels, resorts, and spas.
  • It has no foreign transaction fees.

The information related to the Capital One® Venture® Rewards Credit Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Chase Sapphire Reserve®: Best for premium perks

The Chase Sapphire Reserve® has a steep $450 annual fee. But if you’re savvy enough, you’ll get the annual fee back and more in rewards and benefits every year.

For starters, the card offers:

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

A few other reasons you might want the card in your wallet:

  • Get up to $300 in statement credits each year as reimbursement for travel purchases you make with the card.
  • Receive a statement credit for your application fee for Global Entry or TSA Precheck, worth up to $100.
  • Travel in comfort with access to more than 1,000 airport lounges worldwide.
  • Get 50 percent more value when you redeem your points for travel through Chase Ultimate Rewards®.
  • Receive special treatment from select car rental companies.
  • Pay no foreign transaction fees.

The information related to the Chase Sapphire Reserve® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

UnitedSM Explorer Card: Best for air travel

Among airline-specific cards, the UnitedSM Explorer Card is the only one that offers a taste of elite perks. The annual fee is $0 Intro for First Year, then $95.

Here are some other details you should consider:

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
  • Get a free checked bag for you and one other person every time you fly.
  • Board United-operated flights before general boarding.
  • Get primary rental car insurance; most credit cards offer secondary insurance that covers only what your personal insurance policy doesn’t.
  • Pay no foreign transaction fees.

The information related to the UnitedSM Explorer Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Marriott Bonvoy Brilliant™ American Express® Card: Best for hotel stays

On the surface, the Marriott Bonvoy Brilliant™ American Express® Card lets you Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

Here are some other card highlights:

  • Earn 6X Marriott Bonvoy Points on eligible purchases at participating Marriott Bonvoy hotels. Earn 3X Marriott Bonvoy Points at U.S. restaurants and on flights booked directly with airlines. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

  • Pay no foreign transaction fees.

The information related to the Marriott Bonvoy Brilliant™ American Express® Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Bank of America® Travel Rewards Visa® credit card: Best for no annual fee

We’ve mentioned some good credit cards so far, but they all charge annual fees. For the fee-averse crowd, the Bank of America® Travel Rewards Visa® credit card is a worthy alternative.

The card charges a $0 annual fee but offers a 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Here’s what else to expect:

  • You can use your points to get a statement credit for most travel purchases.
  • You’ll get a 0% Introductory APR on purchases for 12 billing cycles, then a 16.74% - 24.74% Variable APR APR applies.
  • If you’re a Bank of America Preferred Rewards client, you could boost that bonus to up to 75 percent.
  • Pay no foreign transaction fees.

The information related to the Bank of America® Travel Rewards Visa® credit card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Top credit cards for cash-back rewards

If you prefer cash in your pocket to miles and points, it’s important to consider how you want to earn rewards. While some of the top credit cards in this category offer great flat-rate rewards, others offer extra cash back on certain purchases.

Credit Card Best For
Citi® Double Cash Card – 18 month BT offer Flat-rate rewards
Blue Cash Preferred® Card from American Express U.S. gas and U.S. supermarket spending
Chase Freedom® Everyday spending

Citi® Double Cash Card – 18 month BT offer: Best for flat-rate rewards

Some cash-back cards require you to keep track of bonus categories. The Citi® Double Cash Card – 18 month BT offer makes it much simpler. You’ll Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

Because of its high rewards rate, the card doesn’t offer a sign-up bonus. Here are some other details to know:

  • Get a 0% for 18 months on Balance Transfers, then a 15.49% - 25.49% (Variable) APR applies
  • Pay a $0 annual fee.

The information related to the Citi® Double Cash Card – 18 month BT offer has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Blue Cash Preferred® Card from American Express: Best for U.S. gas and U.S. supermarket spending

The Blue Cash Preferred® Card from American Express has the highest ongoing bonus rate of any card we know.

You’ll earn a whopping NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Here are some other highlights:

  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Get a 0% for 12 months on both purchases and balance transfers, then a 14.49%-25.49% Variable APR applies.
  • You’ll pay an annual fee of $95

The information related to the Blue Cash Preferred® Card from American Express has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Chase Freedom®: Best for everyday spending

If your spending is all over the place, the Chase Freedom® might be a good fit. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases.

Here’s what else you’ll get with the card:

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Get a 0% Intro APR on Purchases for 15 months, then a 16.74% - 25.49% Variable APR applies
  • Get a 0% Intro APR on Balance Transfers for 15 months, then a 16.74% - 25.49% Variable APR applies
  • Pay a $0 annual fee

How to separate the good credit cards from the best ones

Before you start looking at credit card deals to choose the best one for you, it’s important to set a goal for how you want to earn rewards and how you want to use them.

For example, if you have an incurable case of wanderlust or simply want to book your next vacation for less, a travel credit card is a good option.

But if you like the flexibility of cash — you can use it for travel or just about anything else — a cash-back credit card might be a better choice.

Knowing which rewards you want helps you separate good credit cards from top credit cards for your needs.

Next, narrow down it down further. Would you prefer general travel rewards or points with your favorite hotel chain or miles with your favorite airline? Alternatively, would you rather get a high rewards rate on all your purchases or bonus rewards on things you buy frequently?

At the end of the day, it’s important to pick a credit card that fits in perfectly with your spending habits, financial goals, and everyday lifestyle. Doing so will ensure you get more value out of your credit card.

Eric Rosenberg contributed to this article.

Interested in refinancing student loans?

Here are the top 7 lenders of 2019!
LenderVariable APREligible Degrees 
Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.45% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.81% APR (with Auto Pay) to 6.49% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of November 6, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 11/06/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.46% APR to 5.98% APR (with AutoPay). Variable rates from 1.81% APR to 5.98% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 1.81% APR assumes current 1 month LIBOR rate of 1.81% minus 0.15% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

3 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

ANNUAL PERCENTAGE RATE (“APR”)
This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

FEE INFORMATION

There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.

LOAN AMOUNT

For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
For eligible Associates degrees in the healthcare field (see Eligibility & Eligible Loans section below), Lender will refinance up to $50,000 in loans for non-ParentPlus refinance loans. Note, parents who are refinancing loans taken out on behalf of a child who has obtained an associates degrees in an eligible healthcare field are not subject to the $50,000 loan maximum, refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information about refinancing ParentPlus loans.

ELIGIBILITY & ELIGIBLE LOANS

Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).

Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.

All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.

For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.

INTEREST RATES

The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.

DISBURSEMENT OPTIONS

The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.

POSTPONING OR REDUCING PAYMENTS

After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.

We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.

We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.

If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

This information is current as of November 8, 2019 and is subject to change.


4 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.9299999999999997% effective October 10, 2019.


6 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 11/07/2019 student loan refinancing rates range from 1.79% to 8.65% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.

 


7 Important Disclosures for College Ave.

College Ave Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1College Ave Refi Education loans are not currently available to residents of Maine.

2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 09/23/2019. Variable interest rates may increase after consummation.

1.81% – 6.49%1Undergrad
& Graduate

Visit Earnest

1.81% – 5.98%2Undergrad
& Graduate

Visit SoFi

1.99% – 6.65%3Undergrad
& Graduate

Visit Laurel Road

2.43% – 7.60%4Undergrad
& Graduate

Visit Splash

2.02% – 7.09%5Undergrad
& Graduate

Visit CommonBond

1.79% – 8.65%6Undergrad
& Graduate

Visit Lendkey

2.74% – 6.24%7Undergrad
& Graduate

Visit College Ave

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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