The Best Rewards Credit Cards for 2025: Maximize Your Purchases and Travel
AInvestThursday, Jan 2, 2025 5:37 am ET
4min read
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As we step into 2025, the world of rewards credit cards continues to evolve, offering consumers more ways to maximize their spending and earn valuable rewards. With so many options available, it can be challenging to choose the best card for your needs. In this article, we'll explore some of the top rewards credit cards for 2025, focusing on their rewards structures, additional benefits, and annual fees.



1. Capital One Venture Rewards Credit Card
* Rewards: 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase.
* Welcome bonus: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that's equal to $1,000 in travel.
* Annual fee: $95
* Best for: Travelers who frequently book hotels, vacation rentals, and rental cars through Capital One Travel, as well as those who want a simple and flexible travel rewards card.
2. American Express® Gold Card
* Rewards: 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year, 3X Membership Rewards® points on per dollar spent on flights booked directly with airlines or on amextravel.com, 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. 1X Membership Rewards® point per dollar spent on all other eligible purchases.
* Welcome bonus: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back.
* Annual fee: $325
* Best for: Foodies and travelers who spend a significant amount on dining, groceries, and travel.
3. Citi Double Cash® Card
* Rewards: 2% cash back on every purchase - 1% when you buy something and 1% when you pay it off.
* Welcome bonus: No welcome bonus mentioned.
* Annual fee: No annual fee
* Best for: Those who want a simple, flat-rate cash-back card with no annual fee and a high rewards rate.
4. Chase Freedom Unlimited®
* Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining at restaurants, including takeout and eligible delivery services, 3% cash back on drugstore purchases, and 1.5% cash back on all other purchases.
* Welcome bonus: No welcome bonus mentioned.
* Annual fee: No annual fee
* Best for: Those who want a versatile cash-back card with bonus categories that cover common spending habits.
5. Capital One SavorOne Cash Rewards Credit Card
* Rewards: 8% cash back on streaming services, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target), and 1% cash back on all other purchases.
* Welcome bonus: No welcome bonus mentioned.
* Annual fee: No annual fee
* Best for: Those who enjoy dining out, streaming services, and entertainment, as well as travelers who book hotels and rental cars through Capital One Travel.



When choosing the best rewards credit card for your needs, consider your spending habits, travel preferences, and the card's rewards structure, additional benefits, and annual fee. By selecting the right card, you can maximize your rewards and enjoy valuable perks and savings.
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