In today’s fast-paced world, credit cards are more than just a payment tool—they’re a gateway to rewards, travel perks, and cashback. With so many options available, choosing the right rewards credit card can be overwhelming. To help you make an informed decision, we’ve compiled a list of the top six rewards credit cards for April 2025, based on sign-up bonuses, earning potential, redemption flexibility, and additional benefits.
1. Chase Sapphire Preferred® Card
Best for Travel & Flexible Rewards
Why It’s Great:
- Sign-Up Bonus: Earn 75,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months.
- Earning Rate:
- 5x points on travel booked through Chase Ultimate Rewards®
- 3x points on dining, online groceries, and select streaming services
- 2x points on all other travel purchases
- 1x point on everything else
- Redemption Value: Points are worth 25% more when redeemed for travel through Chase.
- Annual Fee: $95
Perks:
- No foreign transaction fees
- Travel insurance & purchase protection
- Points transfer to 14+ airline and hotel partners
Ideal For: Frequent travelers who want flexibility in redeeming rewards.
2. American Express® Gold Card
Best for Dining & Groceries
Why It’s Great:
- Sign-Up Bonus: Earn 90,000 Membership Rewards® points after spending $6,000 in the first six months.
- Earning Rate:
- 4x points at restaurants worldwide
- 4x points at U.S. supermarkets (up to $25,000 per year)
- 3x points on flights booked directly with airlines
- 1x point on other purchases
- Annual Fee: $250
Perks:
- $120 annual dining credit (Grubhub, The Cheesecake Factory, etc.)
- **120UberCash∗∗annually(10 monthly)
- No foreign transaction fees
- Travel & shopping protections
Ideal For: Foodies and those who spend heavily on dining and groceries.
3. Capital One Venture Rewards Credit Card
Best for Flat-Rate Travel Rewards
Why It’s Great:
- Sign-Up Bonus: Earn 75,000 miles after spending $4,000 in the first three months.
- Earning Rate:
- 2x miles on every purchase
- Redemption Value: Miles can be redeemed for any travel expense or transferred to airline partners.
- Annual Fee: $95
Perks:
- No foreign transaction fees
- Global Entry/TSA PreCheck credit ($100 every 4 years)
- Travel accident insurance
Ideal For: Those who want simple, unlimited 2x miles on all spending.
4. Citi Double Cash® Card
Best for Cashback Simplicity
Why It’s Great:
- No Sign-Up Bonus, but offers 2% cashback on everything (1% when you buy, 1% when you pay).
- No Annual Fee
- Flexible Redemption: Cashback can be redeemed as a statement credit, check, or gift cards.
Perks:
- 0% intro APR on balance transfers for 18 months (with fee)
- Simple, no-category cashback structure
Ideal For: Those who prefer straightforward cashback without tracking categories.
5. The Platinum Card® from American Express
Best for Luxury Travel Benefits
Why It’s Great:
- Sign-Up Bonus: Earn 150,000 Membership Rewards® points after spending $8,000 in the first six months.
- Earning Rate:
- 5x points on flights & hotels (booked via Amex Travel)
- 1x points on other purchases
- Annual Fee: $695
Premium Perks:
- $200 annual airline fee credit
- $200 annual Uber Cash
- $189 annual CLEAR® credit
- $300 annual Equinox credit
- Lounge access (Centurion, Priority Pass, Delta Sky Club)
- Marriott & Hilton Gold status
Ideal For: High-net-worth individuals who maximize luxury travel perks.
6. Discover it® Cash Back
Best for Rotating Categories (No Annual Fee)
Why It’s Great:
- 5% cashback in rotating quarterly categories (up to $1,500 per quarter, activation required).
- 1% cashback on all other purchases.
- Cashback Match™: Discover matches ALL cashback earned in the first year (effectively 10% on categories, 2% elsewhere).
- No Annual Fee
Perks:
- 0% intro APR for 15 months on purchases & balance transfers
- Free FICO® credit score access
Ideal For: Budget-conscious users who maximize rotating categories.
Final Thoughts
Choosing the best rewards credit card depends on your spending habits and financial goals.
- For travel flexibility: Chase Sapphire Preferred®
- For dining & groceries: Amex Gold Card
- For flat-rate travel miles: Capital One Venture
- For simple cashback: Citi Double Cash®
- For luxury travel perks: Amex Platinum
- For rotating categories: Discover it® Cash Back
