Money

top rewards cards of August 2025

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American Health & Wealth Rankings

Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.

American Health & Wealth' top rewards cards of August 2025

Chase Sapphire Reserve®

4.8

American Health & Wealth' Rating in Chase Sapphire Reserve®

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Excellent Credit
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$550
Regular APR
21.74%-28.74% Variable APR

Product Details

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC
Product Details

  • Issuer Name

    Chase

  • Credit Needed

    Excellent Credit

  • Annual Fee

    $550

  • Regular APR

    21.74%-28.74% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

Our Take

Pros

  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage

Cons

  • High annual fee
  • Requires excellent credit

Choice Privileges® Mastercard®

4.8

American Health & Wealth' Rating in Choice Privileges® Mastercard®

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.
Annual Fee
$0
Regular APR
19.99%, 24.24%, or 29.24% Variable APR

Product Details

Highlights
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.
  • Earn 5X points on stays at participating Choice Hotels® properties.
  • Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $0 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 10 Elite night credits qualifying for at least Gold level status each calendar year.
  • No foreign transaction fee.
  • View Rates and Fees
Product Details

  • Issuer Name

    Wells Fargo

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    19.99%, 24.24%, or 29.24% Variable APR

  • Balance Transfer Fee

    $5

Our Take

Pros

  • No annual fee
  • Bonus categories
  • Cell phone insurance
  • No foreign transaction fees

Cons

  • Rewards have limited flexibility
  • No free anniversary night
  • High APR

Choice Privileges® Select Mastercard®

4.8

American Health & Wealth' Rating in Choice Privileges® Select Mastercard®

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
Annual Fee
$95
Regular APR
19.99%, 24.24%, or 29.24% Variable APR

Product Details

Highlights
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
  • Earn 10X points on stays at participating Choice Hotels® properties.
  • Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $95 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
  • No foreign transaction fee.
  • View Rates and Fees
Product Details

  • Issuer Name

    Wells Fargo

  • Credit Needed

    Good Credit

  • Annual Fee

    $95

  • Regular APR

    19.99%, 24.24%, or 29.24% Variable APR

  • Balance Transfer Fee

    $5

Our Take

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Travel benefits and credits

Cons

  • Has annual fee
  • Rewards have limited flexibility

Citi Custom Cash® Card

4.8

American Health & Wealth' Rating in Citi Custom Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • 5% bonus categories
  • Intro APR Period

Cons

  • Low rate outside bonus categories

Citi Double Cash® Card

4.8

American Health & Wealth' Rating in Citi Double Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • No intro APR period on purchases

Citi Rewards+® Card

4.8

American Health & Wealth' Rating in Citi Rewards+® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Annual Fee
$0
Regular APR
17.99%-27.99% Variable APR

Product Details

Highlights
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.99%-27.99% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit
  • Complicated redemptions

Citi Rewards+® Student Card

4.8

American Health & Wealth' Rating in Citi Rewards+® Student Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
Annual Fee
$0
Regular APR
18.99%-28.99% Variable APR

Product Details

Highlights
  • Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
  • Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/2025.
  • The variable APR for purchases and balance transfers is 18.99% - 28.99%, based on your creditworthiness.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.99%-28.99% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee

Cons

  • Foreign transaction fee

Citi Strata Premier℠ Card

4.8

American Health & Wealth' Rating in Citi Strata Premier℠ Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Annual Fee
$95
Regular APR
20.49%-28.49% Variable APR

Product Details

Highlights
  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $95

  • Regular APR

    20.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

Our Take

Pros

  • Bonus categories
  • Rewards don't expire

Cons

  • Has annual fee
  • Requires good/excellent credit

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

4.8

American Health & Wealth' Rating in Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Annual Fee
$0 intro for the first year, then $99
Regular APR
20.49%-29.49% Variable APR

Product Details

Highlights
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0 intro for the first year, then $99

  • Regular APR

    20.49%-29.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

Our Take

Pros

  • Free checked bag
  • Early boarding
  • Bonus categories

Cons

  • Has annual fee
  • Rewards have limited flexibility

City National Crystal® Visa Infinite® Credit Card

4.8

American Health & Wealth' Rating in City National Crystal® Visa Infinite® Credit Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
None
Annual Fee
$400
Regular APR
21.50%-25.50%, Variable

Product Details

Highlights
  • Receive an Airline Incidental Fees Statement Credit of up to $350 per account, per calendar year for Qualifying Airline Purchases.
  • Receive an Airline Lounge Club Membership Fee Statement Credit of up to $550 per account per calendar year with $50,000 yearly spend. Applies to any airline lounge club worldwide.
  • Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.
  • Pay the Global Entry application fee with your Crystal Visa Infinite Card to receive a $100 Global Entry Application Fee Statement Credit. If approved, use your membership to participate in the U.S. Transportation and Security Administration’s TSA Pre✓® program at no additional charge.
  • Crystal Visa Infinite Cardholders Priority Pass Select program members and their accompanying guests can experience a more relaxing way to travel, with access to a global network of more than 1,300 airport lounges worldwide.
  • Enjoy special benefits from leading hotels, like a VIP welcome and complimentary breakfast at select properties with Relais & Châteaux, a prestigious association of approximately 500 luxury properties worldwide.
  • Use your Crystal Visa Infinite Card to access high-end, private golf clubs around the country and save on golf tee times, merchandise, and golf instruction.
Product Details

  • Issuer Name

    City National Bank

  • Credit Needed

    Good Credit

  • Annual Fee

    $400

  • Regular APR

    21.50%-25.50%, Variable

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $3

Our Take

Pros

  • High rewards rate
  • Anniversary perk
  • Luxury perks
  • Premium travel protections

Cons

  • High annual fee
  • No new cardholder bonus offer
  • Complicated to apply

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