rewards credit cardsThe Best Rewards Cards for Savings in
Restaurants, Groceries, Gas, and More

Some of us like the option of earning points toward more than just travel. Whether it’s gift cards, merchandise, groceries, entertainment or other valuable rewards, there are quite a few cards out there that can prove to be a good bang for your buck if you use them for everyday purchases—with many of them coming with lucrative signup bonus offers and easily attained spending bonuses. These cards are an attractive option for consumers who value flexibility in how rewards are earned and redeemed. Below are our favorites in terms of rewards structure, bonus offers, and overall value for your dollars spent.

Barclaycard Arrival Plus® World Elite Mastercard®

apply button

  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don’t expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. There is a fee for balance transfers.

Bonus

40,000 miles

Intro APR

0% on balance transfers for 12 months

Ongoing APR

16.99%, 20.99%, or 23.99% variable

Annual Fee

$0 first year, then $89

Marriott Rewards® Premier Credit Card

apply button

  • Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Enjoy 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster.
  • Earn 5 points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2 points per $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants. Plus 1 point per $1 spent everywhere else.
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better.
  • No foreign transaction fees.
  • All for an $85 Annual Fee.

Bonus

80,000 points

Intro APR

N/A

Regular APR

16.99%- 23.99%
variable

Annual Fee

$85

Chase Sapphire Preferred® Card

chase sapphire preferred credit card front

apply button

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to participating frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • Introductory Annual Fee of $0 the first year, then $95

Bonus

50,000 points

Intro APR

N/A

Ongoing APR

16.99%–23.99% variable

Annual Fee

$0 first year; then $95

Citi ThankYou® Preferred Card

CitiThankYouPreferredCard

apply button

  • Earn 15,000 bonus points after you spend $1,000 within 3 months on account opening.
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 14.49%-24.49% based upon your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited ThankYou® Points.
  • Redeem ThankYou® Points for merchandise, travel rewards, gift cards and other great rewards from the ThankYou® Rewards Collection.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.

Bonus

15,000 ThankYou® points

Intro APR

0% on purchases and balances transfers for 12 months

Ongoing APR

14.49%-24.49% variable

Annual Fee

$0

Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Premier Card for College Students

apply now for the hilton hhonors signature card

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months after account opening.
  • 0% intro APR on purchases for 7 months; after that, a variable rate of 14.99% – 24.99% based on your creditworthiness.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited ThankYou® Points with this card.
  • Redeem ThankYou® Points for merchandise, travel rewards, gift cards, cash and more.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.

Bonus

2,500 points

Intro APR

0% on purchases for 7 months

Ongoing APR

14.99%-24.99% variable

Annual Fee

$0

Capital One® Venture® Rewards Credit Card

capital one venture credit card

apply button

  • One-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
  • Earn unlimited 2X miles per dollar on every purchase.
  • Make travel purchases on any website or app  – any airline, any hotel, rental cars and more.
  • Travel when you want with no blackout dates.
  • Miles don’t expire and there’s no limit to how many you can earn.
  • No foreign transaction fees.
  • No annual fee for the first year; $59 after that.

Bonus

40,000 miles

Intro APR

N/A

Ongoing APR

13.99%-23.99% variable

Annual Fee

$0 first year, then $59

Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver card front

apply button

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months of account opening.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories or sign ups needed to earn cash rewards; cash back doesn’t expire and there’s no limit to how much you can earn.
  • 0% intro APR on purchases and balance transfers for 9 months; after that a variable APR of 13.99%-23.99% will apply. A 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.

Bonus

$100

Intro APR

0% on purchases and balance transfers for 9 months

Ongoing APR

13.99%-23.99% variable

Annual Fee

$0*

The Amex EveryDay® Credit Card from American Express

american express everyday card

apply button

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2X points at US supermarkets, on up to $6,000 per year in purchases (then 1X); 1X points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking on the American Express Travel Site.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 15.99% to 23.99%, based on your creditworthiness and other factors.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Credit Card from American Express.

Bonus

15,000 points

Intro APR

0% on purchases and balance transfers for 12 months

Ongoing APR

15.99%-23.99% variable

Annual Fee

$0

Discover it® Miles Card

discover it miles card

apply button

  • Exclusive Double Miles Offer: At the end of your first year Discover doubles all the miles you’ve earned. New cardmembers only.
  • 0% intro APR for 14 months on purchases. Then 11.99%-23.99% standard variable purchase APR applies.
  • Earn unlimited 1.5x Miles on every dollar you spend.
  • Redeem your Miles for any amount to credit travel purchases from your statement, or get cash at any time. You won’t lose your Miles even if your account closes.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online. Plus get 100% U.S.-based customer service.
  • Paying late won’t raise your APR, no late fee for your first late payment, no overlimit fee and no foreign transaction fee.

Bonus

Double miles first year

Intro APR

0% on purchases and for 14 months

Ongoing APR

11.99%-23.99% variable

Annual Fee

$0

Starwood Preferred Guest® Credit Card from American Express

SPC American Express Card

apply button

  • Earn 30,000 bonus Starpoints® after you use your Card to make $3,000 in purchases within the first 3 months.
  • Use your Card and earn up to 5 Starpoints® for every dollar of eligible purchases at participating Starwood hotels–that’s 2 as a Card Member on top of the 2 or 3 you can earn as an SPG member.
  • Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Receive free in-room, premium internet access while staying at SPG participating hotels. Booking requirements apply.
  • Earn free nights at over 1,200 hotels and resorts in over 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • No foreign transaction fees.

Bonus

30,000 Starpoints®

Intro APR

N/A

Ongoing APR

16.24%-20.24% variable

Annual Fee

$0 first year, then $95

Chase® Freedom®

chase freedom card new alternate front

chase freedom apply button

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • Unlimited 1% cash back on all other purchases — it’s automatic.
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations and local transportation, restaurants and movie theaters, and select grocery and drugstores.
  • Cash Back rewards never expire as long as your account is open.
  • No Annual Fee

Bonus

$150

Intro APR

0% on purchases and balance transfers for 15 months

Ongoing APR

14.24%-23.24% variable

Annual Fee

$0

Blue Cash Preferred® Card from American Express

American Express Blue Credit Card

american express blue cash apply button

  • Get $250 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of a statement credit.
  • Earn Cash Back: 6% at U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 24.99%, based on your creditworthiness and other factors.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • Click “Apply” to visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Preferred® Card from American Express

Bonus

$250 cash back

Intro APR

0% on purchases and balance transfers for 12 months

Ongoing APR

13.99%-24.99% variable

Annual Fee

$5

BankAmericard Travel Rewards® Credit Card

Bank Americard Travel Reward Credit Card

aarp rewards card apply button

  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening — that can be a $200 statement credit toward travel purchases.
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% – 23.99% variable APR.
  • Earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time and no expiration on points.
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees.
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account.
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more.
  • No annual fee and no foreign transaction fees.

Bonus

20,000 points

Intro APR

0% on purchases for 12 billing cycles

Ongoing APR

15.99%-23.99% variable

Annual Fee

$0

BankAmericard Cash Rewards™ Credit Card

bank of america cash rewards card

bank of america cash card apply button

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • 0% Intro APR for 12 billing cycles on purchases AND any balance transfers made in the first 60 days, then, 13.99%-23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/gas purchases each quarter
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25%-75%.
  • No annual fee and no expiration on rewards.

Bonus

$150

Intro APR

0% on purchases and balance transfers for 12 billing cycles

Ongoing APR

13.99%-23.99% variable

Annual Fee

$0

Discover it®

discover it cash back card front

discover it rewards card apply now button

  • We’ll DOUBLE all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202 – Automatically. New card members only.
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com, wholesale clubs and more – up to the quarterly maximum each time you activate. 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 14 months – then a variable purchase APR applies, currently 11.99% – 23.99%. A 3% fee applies to each transferred balance
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.

Bonus

Double cash back at end of year

Intro APR

0% on balance transfers and purchases for the first 14 months

Ongoing APR

11.99%-23.99% variable

Annual Fee

$0

Ameriprise World MasterCard®

ameriprise financial world apply button

  • Earn 10,000 bonus rewards points after you make $500 on purchases or balance transfers in the first 90 days from account opening.
  • Earn 1X Ameriprise Rewards points for every dollar you spend.
  • Redeem points for up to 1.25% cash back. Redeem into qualifying Ameriprise® account in increments of 30,000 reward points (a $375 value).
  • Redeem for a $150 Ameriprise Financial® Planning Certificate with 10,000 reward points (a 1.5% cash back value).
  • Redeem for entertainment, gift cards, merchandise and more.
  • 0% intro APR* on balance transfers for 15 months made within 45 days of account opening – then a variable APR of 14.99% – 16.99% depending on your creditworthiness*.
  • Premium Travel and Purchase Protection Benefits.
  • Complimentary concierge service.
  • No annual fee

Bonus

10,000 bonus

Intro APR

0% APR on balance transfers for 15 months

Ongoing APR

14.99%-16.99%

Annual Fee

$0

AARP® Credit Card from Chase

AARP Chase Credit Card

ameriprise financial world apply button

  • Earn $200 Cash Back after you spend $500 on purchases in your first 3 months of account opening.
  • 3% cash back at restaurants.
  • 3% cash back at gas stations.
  • 1% cash back on all other purchases.
  • Redeem rewards for cash, gift cards and travel
  • 0% Intro APR for 12 months on purchases and balance transfers. After the intro period, a variable APR of 17.24% – 23.99%. A balance transfer fee of $5 or 3% applies, whichever is greater.
  • Rewards never expire as long as your account is open.
  • No annual fee.

Bonus

$200

Intro APR

0% on purchases and balance transfers for 12 months

Ongoing APR

17.24% – 23.99% variable

Annual Fee

$0

* See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply” button, you can review the credit card terms and conditions on the provider’s website.