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| Discover the top rewards credit cards of 2025 – tailored for every type of shopper! |
Top Rewards Credit Cards of 2025: Best Picks for Every Type of Shopper
Are you looking for a way to earn more from your everyday spending? With 2025 just around the corner, it's the perfect time to explore the best rewards credit cards that suit your spending habits. Whether you're after cashback, travel perks, or a straightforward rewards program, there's a card designed for you. In this guide, we’ll highlight the top rewards credit cards of 2025 for every type of shopper—so you can choose the one that offers the most value based on your unique lifestyle.
1. Best Overall Rewards Card: Chase Sapphire Preferred® Card
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| Unlock amazing rewards with the Chase Sapphire Preferred® Card |
Best for: Travelers and flexible rewards.
The Chase Sapphire Preferred® Card has long been a top choice for rewards enthusiasts, offering incredible value for frequent travelers. It earns 2x points on travel and dining, making it a great option for those who regularly spend in these categories. The points you earn can be transferred to a variety of airline and hotel partners, making it highly flexible for different travel plans.
Key Features:
- Sign-Up Bonus: 60,000 points after spending $4,000 in the first 3 months (worth $750 in travel through Chase Ultimate Rewards®)
- Earning Rate: 2x points on travel and dining, 1x on all other purchases
- Annual Fee: $95
- Other Perks: Trip cancellation insurance, baggage delay reimbursement, no foreign transaction fees
Why it's great for travelers: Chase Ultimate Rewards® points offer great value when used for travel bookings or transferred to travel partners. Whether you're booking flights or hotels, you can stretch your rewards further.
2. Best for Cashback: Blue Cash Preferred® Card from American Express
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| Maximize your cashback rewards with the Blue Cash Preferred® Card from American Express |
Best for: Shoppers who want high cashback on everyday expenses.
If you’re someone who spends a lot at the supermarket, the Blue Cash Preferred® Card from American Express is a top contender. With 6% cashback on U.S. supermarket purchases (up to $6,000 annually), this card is perfect for families or those with frequent grocery store trips. Plus, it earns 3% cashback on transit purchases and 1% on everything else.
Key Features:
- Sign-Up Bonus: $300 statement credit after spending $3,000 in the first 6 months
- Earning Rate: 6% cashback on U.S. supermarkets (on the first $6,000 per year), 3% on transit, 1% on other purchases
- Annual Fee: $95 (Note: $0 annual fee for the first year)
- Other Perks: Purchase protection, extended warranty, car rental loss and damage insurance
Why it’s great for cashback lovers: With a high cashback rate on groceries and transit, this card offers excellent rewards for everyday spending. It's a perfect fit for those who prioritize simple cashback over complicated rewards systems.
3. Best for No Annual Fee: Citi® Double Cash Card
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| Promotional graphic showcasing the Citi® Double Cash Card with its top feature: No Annual Fee and cash rewards |
Best for: Simplicity and earning cashback on all purchases.
The Citi® Double Cash Card stands out for its straightforward, no-fuss cashback system. It offers 2% cashback on all purchases—1% when you make a purchase and 1% when you pay it off. With no annual fee, it's ideal for those who want to earn cashback without worrying about maximizing bonus categories.
Key Features:
- Sign-Up Bonus: None
- Earning Rate: 2% cashback on all purchases (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Other Perks: 0% intro APR on balance transfers for 18 months, then variable APR applies
Why it’s great for simplicity: This card is perfect for those who prefer a no-hassle approach to earning cashback. There are no rotating categories or complex rules to follow, just flat-rate rewards on every purchase.
4. Best for Business Owners: Ink Business Cash® Credit Card
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| Maximize your business rewards with the Ink Business Cash® Credit Card—perfect for entrepreneurs who want cash back on everyday business expenses. |
Best for: Small business owners who want rewards on everyday business expenses.
The Ink Business Cash® Credit Card offers an impressive cashback rate for business-related purchases. It earns 5% cashback on the first $25,000 spent at office supply stores and on internet, cable, and phone services, and 2% cashback on the first $25,000 spent at gas stations and restaurants each year. All other purchases earn 1% cashback.
Key Features:
- Sign-Up Bonus: $750 cashback after spending $7,500 in the first 3 months
- Earning Rate: 5% cashback on the first $25,000 spent on combined purchases at office supply stores and on internet, cable, and phone services, 2% at gas stations and restaurants, 1% on other purchases
- Annual Fee: $0
- Other Perks: Purchase protection, extended warranty, no foreign transaction fees
Why it’s great for business owners: With high rewards on office supplies, utilities, and business-related expenses, this card helps you earn cashback on essential purchases for your business. Plus, it has no annual fee, making it an affordable option.
5. Best for Luxury Travel: The Platinum Card® from American Express
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| Experience the epitome of luxury travel with The Platinum Card® from American Express—your gateway to exclusive perks, VIP access, and unforgettable experiences. |
Best for: Luxury travelers seeking premium benefits.
For those who want top-tier rewards and elite travel benefits, the Platinum Card® from American Express is hard to beat. Offering 5x points on flights booked directly with airlines or through amextravel.com, access to over 1,200 airport lounges worldwide, and a wide array of luxury perks, this card is designed for frequent travelers who demand the best.
Key Features:
- Sign-Up Bonus: 80,000 Membership Rewards® points after spending $6,000 in the first 6 months (worth $800 in travel)
- Earning Rate: 5x points on flights, 1x on all other purchases
- Annual Fee: $695
- Other Perks: Access to luxury airport lounges, $200 annual airline fee credit, concierge service, and comprehensive travel protections
Why it’s great for luxury travelers: The Platinum Card® offers unmatched luxury travel benefits, including VIP access to airport lounges, exclusive hotel privileges, and valuable rewards points that can be redeemed for travel.
Conclusion: Choosing the Right Rewards Card for You
The best rewards credit card for 2025 depends on your unique needs and spending habits. Whether you’re a frequent traveler looking for flexible rewards (Chase Sapphire Preferred®), someone who wants high cashback on everyday expenses (Blue Cash Preferred® Card), or a business owner who needs rewards for office supplies (Ink Business Cash®), there's a card designed to help you maximize your rewards.
When choosing a card, consider factors like the annual fee, earning rates, sign-up bonuses, and the types of rewards that align with your goals. With the right rewards card in your wallet, you can start earning valuable rewards on your everyday purchases in 2025 and beyond!
FAQs:
Q1: What is the best rewards credit card for travel in 2025? A1: The Chase Sapphire Preferred® Card and The Platinum Card® from American Express are two of the best for travel, offering excellent points on travel purchases and flexible redemption options.
Q2: Are there any great cashback cards with no annual fee? A2: Yes, the Citi® Double Cash Card offers 2% cashback on all purchases with no annual fee, making it a great option for those who prefer simplicity.
Q3: Can I earn cashback on business expenses? A3: The Ink Business Cash® Credit Card is perfect for business owners, offering 5% cashback on office supplies and internet services.
