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There are so many credit card offers vying for your attention, with varying interest rates, perks and fees — it’s a chore to figure out which one is best. Fortunately, the task has been done for you. In a study of credit card rewards and costs over a two-year period WalletHub just concluded that Capital One has the best card rewards program. For one thing, the program is less restrictive for earning and redeeming rewards points, WalletHub explains:
Capital One leads the way with no earning limits and rewards that neither expire nor are forfeited if you miss a payment.
Capital One issues a number of different cards that offer rewards and cash back, but here we feature their best travel rewards card.
What makes it awesome: This card offers a hefty welcome bonus of 50,000 reward miles after spending $3,000 within the first three months with the account. (That’s worth $500 in travel.) You’ll earn a whopping 10 miles for every dollar spent on hotels worldwide, plus 2 miles per dollar on all other purchases. So long as you are paying off your card each month (since paying interest on a balance is obviously counterproductive), you can rack up serious mileage for all your adventures.
- Earn 10 miles for every dollar spent on hotels around the world.
- Earn 2 miles for every dollar spent on everything else with this card, every day.
- No blackout dates when you travel.
- Points transfer to more than a dozen hotel and airline loyalty programs.
- Pay no foreign transaction fees.
- No annual fee for the first year, then $95 per year.
Whatever you need in a credit card — whether it’s reward points, cash back or a low interest rate — you can find it with our credit card search tool. Click here to search for the plastic that best fits your needs.