To enjoy perks while making everyday purchases, you can consider the best rewards credit cards that are designed for cardholders with a high credit score. Credit card issuers usually offer a cashback rewards program with special travel benefits, discounts on various services and numerous statement credits. While perks-focused cards might not always offer an intro APR for purchases or a balance transfer, you'll often have some attractive sign-up bonus offers. Check out these top four cards and the type of rewards they offer.
Consider also: 4 Best 0 APR Credit Cards
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1. American Express Platinum
Functioning as both a cash rewards credit card and travel rewards credit card, this American Express card offers a large array of perks that can far exceed the $695 annual fee.
Perks offered include 5x points on travel purchases for flights and hotel stays along with 1x points for everything else. Then, you get numerous statement credits for hotel and airline fees, streaming services, Walmart+, Uber, Equinox memberships, TSA PreCheck and more. Travelers also get premier lounge access, travel insurance, airline and hotel programs, insurance for car rentals and opportunities to enjoy special entertainment experiences.
You can receive 100,000 bonus points for spending $6,000 within six months of account opening plus 10x points at certain restaurants. Interest rates range from 15.99 to 22.99 percent. Check the American Express card page to apply now and also see other cashback credit cards, like the AMEX Blue Cash Preferred card and Gold card.
2. Chase Sapphire Reserve Visa
Offering more perks than the Chase Sapphire Preferred and Chase Freedom Unlimited, the Chase Sapphire Reserve carries a $550 annual fee and especially appeals to travelers.
It comes with the Chase Ultimate Rewards program with a rewards rate of 10x for restaurants, car rentals and hotels and 5x for flights plus bonuses for redeeming using the platform. You get 3x points for other restaurant and travel purchases and 1x points for other qualifying purchases at places like gas stations, grocery stores and Amazon. There's a $300 yearly travel credit, no foreign transaction fee, travel insurance and a TSA PreCheck or Global Entry credit.
After signing up and spending $4,000 in 90 days, you can get 50,000 bonus points. There's a 16.99 to 23.99 percent variable APR. You can see which terms apply and submit your application here.
Consider also: How to Redeem Your Visa Reward Points
3. Capital One Venture X
As an upgrade to the Venture Rewards credit card, the Venture X offers premium perks to those with excellent credit and charges a $395 annual fee.
Rewards for spending categories include 10x miles for rental cars and hotels, 5x miles for flights and 2x miles for everything else; you'll need to use Capital One's travel website to get the 10x and 5x miles offers. You'll receive an anniversary bonus of 10,000 miles, $300 travel credit yearly and $200 toward vacation rentals the first year. Other perks include an airport security credit, special airport lounge access, premium entertainment experiences, no blackout dates and cell phone insurance.
Capital One offers 100,000 bonus miles for spending $10,000 the first six months of having the card. This credit card offers an interest rate of 16.99 to 23.99 percent. You can find the application here.
The Bank of America Premium Rewards card has a $95 annual fee with flat-rate rewards for dining, travel and everyday expenses along with premium benefits.
You get 2x points for dining and travel and 1.5 points for other eligible purchases. The redemption options stand out since you can even use points for investment accounts alongside other options like gift cards, a bank account deposit or use through travel partners. You get separate $100 credits for airport security and airline fees plus other perks like travel and vehicle protection, a concierge service, luxury hotel booking access and a monthly FICO score.
There's a welcome bonus of 50,000 points for spending $3,000 within three months. The interest rate's 15.99 to 22.99 percent. You can discover more perks and apply here.
Consider also: How to Pay My Bank of America Credit Card