top rated credit cards for points

Top-rated credit cards for points typically offer exceptional rewards programs, allowing cardholders to earn points on their everyday purchases which can then be redeemed for travel, merchandise, gift cards, or even cash back. These cards often come with valuable sign-up bonuses, robust earning rates, and additional perks such as travel insurance, airport lounge access, and no foreign transaction fees.

A standout example is the Chase Sapphire Preferred® Card, which is highly regarded for its flexible points system and generous travel rewards. Cardholders earn 2x points on travel and dining and 1x points on all other purchases. Points can be redeemed through Chase Ultimate Rewards® at a higher value, particularly when used for travel bookings. Another top contender is the American Express® Gold Card, known for its lucrative rewards on dining and groceries, earning 4x points at restaurants and U.S. supermarkets up to a certain limit. Furthermore, the Citi Premier® Card offers 3x points on air travel, hotels, and everyday expenses like gas and groceries, making it a versatile option for both frequent travelers and those with substantial day-to-day spending. Each of these cards also provides substantial sign-up bonuses and a suite of travel and purchase protections, making them valuable assets for maximizing points and benefits.