Best reward credit cards for 2018

All credit cards are not created equally, especially when it comes to credit cards rewards programs. In 2018, there are a few that stand out amongst the crowd and really make it worthwhile to invest in applying and using the credit card for rewards.

Best for Travel: Barclaycard Arrival Plus

If you like to travel, the Barclaycard Arrival Plus World Elite MasterCard is the best for you to use to earn rewards on everything you buy. Then, you can use it for travel expenses in the form of cashback or use it for points toward travel. You get a 2.1% rewards rate on all of your spending.

Even better, however, is that you get 40,000 miles as a new cardholder if you spend $3,000 on purchases within 90 days after getting the card. After the first year, there is an annual fee of $89, so you want to charge more than $1,500 per month to it to make it worthwhile.

New Cashback? Try the Blue Cash Preferred Card from American Express

Want more cash back? The Blue Cash Preferred Card from American Express earns you at supermarkets 6% cashback capping at $6,000 each year, at gas stations and certain department stores you can get 3%, and 1% on all other purchases. You can get statement credit when you spend a certain amount of money, and a 0% APR for the first year.

If you want all of the above without an annual fee, consider the Blue Cash Everyday Card by American Express – this one has a $150 intro bonus and similar savings to the above American Express card.

For Those in Business: Ink Business Cash Credit Card

If you do a lot of business spending on your card, the best card to invest in is the Ink Business Cash Credit Card. You get a $300 cash bonus when you spend $3,000 in the first three months. THen, you’ll get 5% cash back on cell phones, internet, cable TV, and office supply stores, 2% cash back at restaurants and gas stations, and 1% on all other purchases. There is no annual fee and 0% APR for the first twelve months.

The type of credit card that works best for you will vary depending on what you will use the card for, how often you plan on using the credit card, and where you want to use the card. You might have to do some research into your own spending to see what will work the best for you.