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Updated October 2026
Best Rewards Credit Cards of October 2026
Points that turn into travel, cash or gift cards. These cards earn the most valuable rewards for people willing to put in a little effort.
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Our picks
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- Bonus worth $900+ in travel
- 5x points on travel booked through Northwind
- Transfer partners for outsized value
Rates & fees apply. Offer terms set by the issuer.
75,000 bonus points
Rates & fees apply. Offer terms set by the issuer.
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- Airport lounge access worldwide
- $300 annual travel credit
- 10x miles on hotels and car rentals via Meridian
Rates & fees apply. Offer terms set by the issuer.
100,000 bonus miles
Rates & fees apply. Offer terms set by the issuer.
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- 4x points on dining and groceries
- $240 in yearly dining credits
- Strong transfer partners
Rates & fees apply. Offer terms set by the issuer.
60,000 bonus points
Rates & fees apply. Offer terms set by the issuer.
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- 3x points in common business categories
- 90,000-point bonus
- Free employee cards
Rates & fees apply. Offer terms set by the issuer.
90,000 bonus points
Rates & fees apply. Offer terms set by the issuer.
Editor’s pick
Our top rewards card
4x points at restaurants and U.S. supermarkets, with $240 in yearly dining credits that offset most of the fee.
Rates & fees apply. Offer terms set by the issuer.
How we picked these cards
We valued each card’s points at a conservative cents-per-point rate, then compared earning rates, bonuses and fees across a typical spending profile.
How to get the most from rewards cards
- Match your spending. Choose a card that pays bonus points where you spend the most.
- Redeem for travel. Points are usually worth more for travel than for cash back or gift cards.
- Pay in full. Interest charges cancel out rewards quickly.
Ledgerly tip
Not sure which category fits you? Start with what you spend the most on each month, then compare the top card in that category.
Frequently asked questions
What is a point worth?
Usually between 0.6 and 2 cents, depending on how you redeem it.
Do rewards points expire?
Most bank points don’t expire while the account is open.
Is a rewards card better than cash back?
If you redeem for travel, often yes. If you want simplicity, cash back is easier.