Choosing a rewards credit card can greatly enhance your travel, dining, and daily expenses. Finding one with flexible redemption options is key. Here are the top 10 rewards credit cards of 2025, as determined by a panel of experts and voted on by our readers.

No. 10: Wells Fargo Autograph Card

The Wells Fargo Autograph Card provides numerous benefits, including earning three times the points in various categories such as gas, travel, dining, and transit. Additionally, cardholders have access to 24/7 concierge services for help with event tickets, reservations, and special experiences.

No. 9: Capital One Venture Rewards

The Capital One Venture Rewards card earns two miles per dollar on all purchases. Offering a notable sign-up bonus of 75,000 miles after spending $4,000 in the first three months, it also includes a $120 credit for Global Entry or TSA PreCheck, making it an ideal choice for frequent travelers.

No. 8: Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on rotating categories every quarter—such as gas stations, Amazon.com, restaurants, and grocery stores—and 1% on other purchases. Discover matches all the cash back earned in the first year, and the rewards don't expire.

No. 7: Chase Sapphire Reserve

The Chase Sapphire Reserve card provides a 100,000-point sign-up bonus and an annual $500 travel credit. Cardholders earn four points per dollar on flights and hotels booked directly, and three points on dining. Other perks include a credit for Global Entry or TSA PreCheck and no foreign transaction fees.

No. 6: Chase Sapphire Preferred

The Chase Sapphire Preferred card offers a 75,000-point sign-up bonus, five points per dollar on travel booked through Chase Travel, and no foreign transaction fees. Additional perks include three points per dollar on dining and two points on other travel purchases.

No. 5: American Express Platinum Card

The American Express Platinum Card comes with a higher-than-average annual fee but offers significant benefits: a 175,000-point sign-up bonus, $200 airline fee credit, monthly Uber credits, and up to five points per dollar on flights booked with airlines and prepaid hotels.

No. 4: Chase Freedom Unlimited Visa

The Chase Freedom Unlimited Visa card earns 5% cash back on travel booked through Chase Travel, 3% on dining, and 1.5% on all purchases. With no annual fee, it includes a $200 cash-back bonus after spending $500 in the first three months. Cash-back rewards do not expire.

No. 3: Bilt Mastercard

The Bilt Mastercard , issued by Wells Fargo, allows cardholders to earn points on everyday purchases, including rent, without an annual fee. Points can be redeemed for travel, hotels, car rentals, and experiences, or transferred to loyalty partners such as IHG One Rewards and United MileagePlus.

No. 2: Amazon Prime Visa

The Amazon Prime Visa rewards 5% back at Amazon.com, Whole Foods Market, and Chase Travel for Prime members, 2% back at restaurants, gas stations, and transit, and 1% on all other purchases. Points can be redeemed at Amazon checkout, for cashback, travel, or gift cards through Chase, with no annual or foreign transaction fees.

No. 1: Citi Strata Premier Card

The Citi Strata Premier Card offers a $100 annual hotel credit and three points per dollar on travel, dining, supermarkets, gas stations, and EV charging stations. Additionally, cardholders earn ten points per dollar on hotels, car rentals, and experiences booked through CitiTravel.com. Points can be transferred to partners like TrueBlue and Virgin Atlantic Flying Club.