Best Rewards Credit Card of January 2023


Citi Premier Card: 60,000 points Bonus Points + 3% Back

Citi Premier Card offers a rich bonus of 60,000 points points, which can be redeemed for $600 in cash rewards at It also offers unlimited 3% rewards for every dollar you spend at supermarkets, restaurants, gas stations, airlines, hotels, and travel agencies. For all other purchases, you will earn 1% rewards. This credit card has no foreign transaction fees, which saves you money when you travel abroad.

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro APR
Intro APR Period
Regular APR
20.24% - 28.24% (Variable)
Annual Fee

Other Rewards Credit Cards

Many other credit cards are also offering rewards or cash back on everyday purchases. Some cards give out a rich bonus too. Here are a few credit cards that offer good rewards and bonus.

Rewards Credit Cards

Credit CardBonus and RewardsAnnual Fee
Wells Fargo Autograph Card

Wells Fargo Autograph℠ Card

  • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0
    rates & fees
    U.S. Bank Cash+ Visa Signature Card

    U.S. Bank Cash+® Visa Signature® Card

  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • $0
    Citi Custom Cash Card

    Citi Custom Cash℠ Card

  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • $0
    Wells Fargo Active Cash Card

    Wells Fargo Active Cash® Card

  • $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Unlimited 2% cash rewards on purchases
  • $0
    rates & fees
    Bank of America Customized Cash Rewards Credit Card

    Bank of America® Customized Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • $0
    Citi Rewards+ Card

    Citi Rewards+® Card

  • 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at
  • 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    PenFed Power Cash Rewards Visa Signature Card

    PenFed Power Cash Rewards Visa Signature® Card

  • $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back on all purchases made with your card
  • $0
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

  • $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • $0 intro annual fee for the first year, then $95.

    Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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