By 2025, the right credit card can be a great addition to your budget if you choose the right one that suits your spending habits and reward goals. Reward credit cards give you something in return for your daily expenditures in the form of cash rewards, travel points, or other benefits.
Here, we will be talking about some of the best credit cards for rewards in 2025 among US citizens, why they are of interest and useful, and how well they suit different spenders.
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card is the cashback category’s favorite among rewards cards. It has an unlimited 2% cash reward on purchases, which is ideal for those who do not care whether they are rotating categories or not since they are rewarded.
There is a $200 cash rewards bonus for new card members who spend $500 in the first 3 months on purchases. The card has an introductory 0% APR on balance transfers and eligible purchases for 12 months and a variable APR of 17.24% – 29.24% thereafter. And, naturally, there is no annual fee, which just makes it all the more attractive to heavy spenders.
Citi Double Cash® Card
If you want a straightforward but rewarding cashback rewards program, the Citi Double Cash® Card is the ticket. It rewards you with 2% cash back on everything you buy—1% when you buy and another 1% when you pay. It is the ideal card for shoppers who like ongoing rewards without having to monitor categories.
Remember, though, that the Citi Double Cash® Card also lacks an introductory APR offer on purchases and balance transfers, and it charges a variable APR of 13.99% – 23.99%. There is no annual fee, so it is cheap to the masses.
Chase Freedom Unlimited
The Chase Freedom Unlimited is a high-daily reward rate cash back card with peer-best bonus categories. Card members are rewarded with 1.5% cash back on all purchases and bonus rates on specific spending:
- 5% on travel purchased through Chase Ultimate Rewards
- 5% on qualified Lyft rides
- 3% on eating out at restaurants, including takeout and qualified delivery services
- 3% on drugstore spending
New card members also get a $200 bonus for spending $500 in the first 3 months. The card has an introductory 0% APR for 15 months on purchases and qualifying balance transfers and then a variable APR of 19.24% – 27.99%. There is no annual fee, so it is a good choice for people who need to earn rewards on multiple spending categories.
Capital One SavorOne Cash Rewards Credit Card
Ideal for foodies and entertainment, the Capital One SavorOne Cash Rewards Credit Card offers:
- 3% cash back on restaurants, entertainment, favorite streaming sites, and grocery stores
- 1% on everywhere else
New cardmembers earn a one-time $200 cash bonus when they make $500 in purchases during the first 3 months. The card offers an introductory 0% APR on purchases for the first 15 months and a variable APR of 19.24% to 29.24% afterward. There is no annual fee, making this a great choice for people who have high spending in these categories.
Wells Fargo Autograph Card
Wells Fargo Autograph Card is a new card that has already gained attention for its greatest rewards-earning program. It offers:
- 3X points on travel, dining, gas, transit, streaming, and phone plans
- 1X points for other purchases
You can redeem your points in the form of merchandise, gift cards, cash back, or travel, providing flexibility as per your need. There is no annual charge for the card, and it is within the affordability of an overwhelming majority of consumers.
American Express Gold Card
For dining out and high grocery expenses, the American Express Gold Card provides:
- 4X Membership Rewards® Points on restaurants, delivery, and takeout
- 4X on US supermarket purchases (on purchases up to $25,000 per year, then 1X)
- 3X on flights booked directly with airlines or on amextravel.com
- 1X on everything else
New card members receive 60,000 Membership Rewards Points after making $4,000 in purchases within the first 6 months. The card’s $250 annual fee is well worth the benefits and rewards to frequent grocery shoppers and diners.
Capital One Venture Rewards Credit Card
Ideal for travel lovers who adore easy rewards, the Capital One Venture Rewards Credit Card offers:
- 2X miles on all purchases
New card members receive a one-time bonus of 75,000 miles after they make purchases totaling $4,000 within 3 months. The card carries an annual fee of $95 and has the first year free and travel perks such as foreign transaction fees covered by them and travel accident insurance.
Discover it® Cash Back
Discover it Cash Back card is popular for its quarterly rotating categories that offer 5% cash back, where clients earn the highest amount of rewards annually. The first quarter of 2025, January to March, categories are:
- Restaurants: This includes eating at full-service restaurants, cafes, and restaurant chains and dine-in and qualified takeout or delivery services.
- Home Improvement Retail Stores: Purchase in home improvement product-selling retail establishments, such as lumber yards, paint centers, hardware stores, and lawn, garden, and nursery stores.
- Select Streaming Services: Select streaming services are also qualified to earn the 5% cashback, albeit differing services.
To earn 5% cash back in these categories, activation is needed, and the bonus is paid on combined purchases of up to $1,500 quarterly. After that limit is exceeded, purchases in these categories earn a 1% cashback. Everything else in other categories outside of these categories earns 1% cash back automatically. Discover also doubles all the cash back earned in the first year for new card members, thus doubling the rewards.
Conclusion
Selecting the top rewards credit card in 2025 is about considering your habits and selecting a card that suits you. Whether you prefer straightforward cash back, category changes, or travel rewards, there is a card out there for you. You must consider reward rates, charges, sign-up bonuses, and whether the card rewards align with your lifestyle. By doing so, you can get the most out of your credit card rewards and do better with your money.