2017 RANKING & REVIEWS
BEST POINTS CREDIT CARD FOR REWARD POINTS
Earn Big with Credit Card Reward Points
If nearly three-quarters of all Americans have at least one credit card, why not make those credit cards work for us? There is no reason to not take advantage of fabulous credit card offers and earn credit card reward points.
If you are unsure which credit cards with points will earn you the most rewards perks, then this article is just for you. We have gathered the top six best points credit card choices for 2017.
Award Emblem: Top 6 Best Points Credit Cards
All of these credit card points can rack up quickly. Plus, we have taken a look at the other highlights each of the best points card options offer.
In this ranking and review of the top credit card reward points, you can find:
- The top cards for earning many credit card points
- The best credit cards for travel points
- The best credit card for points for when you do not want a foreign transaction fee
- The top credit card bonus points
- The credit card points offers that also come with lower interest
- And more!
See Also: Top Retail Credit Cards | Ranking | Best Retail Store Credit Cards for Bad Credit & Good Credit
AdvisoryHQ’s List of the Top 6 Best Points Credit Card Options
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Barclaycard Rewards MasterCard®
- Chase Sapphire Preferred® Credit Card
- Choice Privileges® Visa Signature® Card
- Hilton HHonors™ Card from American Express
- HSBC Premier World MasterCard® Credit Card
- Wells Fargo Visa Signature® Card
Top 6 Best Credit Card Reward Points | Brief Comparison & Ranking
Credit Card Names | Annual Percentage Rate (APR) | Intro APR Offer | Annual Fee | Type of Credit Needed | Foreign Transaction Fee |
| Barclaycard Rewards MasterCard® | 25.24% | N/A | $0 | Fair, Good, Great, Excellent | 3% |
| Chase Sapphire Preferred® Credit Card | 16.24% -23.24% | N/A | $95 | Fair, Good, Great, Excellent | 0% |
| Choice Privileges® Visa Signature® Card | 15.49% –25.24% | N/A | $0 | Great, Excellent | 3% |
| Hilton HHonors™ Card from American Express | 15.49% –19.49% | N/A | $0 | Fair, Good, Great, Excellent | 2.7% |
| HSBC Premier World MasterCard® Credit Card | 13.24% –17.24% | N/A | $0 | Fair, Good, Great, Excellent | N/A |
| Wells Fargo Visa Signature® Card | 12.40% – 26.24% | 0% for 15 months | $0 | Fair, Good, Great, Excellent | 3% |
Table: Top 6 Best Points Credit Card Choices | Above list is sorted alphabetically
Important Factors for Choosing Points Credit Cards
Sure, credit cards with rewards points can offer you fabulous perks. But if you do not pay attention to some other important factors, you may still end up losing money with your credit card in the end.
Image source: Pixabay
In order to take full advantage of your credit cards with points, do not forget about these three important financial factors:
- Annual Percentage Rate (APR): If your interest rate is high and you carry a balance, you may lose more money in interest payments than you could ever make in credit card reward points. Either pay off your balance in full each month or choose the lowest APR.
- Fees: Before applying for a best points credit card, estimate how much money you will spend that year. Then estimate your rewards. If the rewards are less than the fees, you may want to choose other credit cards with rewards points.
- Credit Score: Not only will your credit score affect whether or not you can even apply for a particular best credit card for points, it can greatly affect which APR you end up with. Know your score to better understand the best credit card points card for you.
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AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best Credit Card For Points
Below, please find a detailed review of each credit card on our list of credit cards with points. We have highlighted some of the factors that allowed these best credit card points to score so highly in our selection ranking.
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Barclaycard Rewards MasterCard® Review
First on our list of the best points credit card choices in 2017 is the Barclaycard Rewards MasterCard®. While this card does have a higher variable APR (25.24%), the point system is great for those who pay off their credit balance each month.
Image Source: Barclaycard
How to Earn the Credit Card Reward Points
- Earn 2 points on gas, utilities, and eligible grocery purchases
- Earn 1 point on all other purchases
These credit card points never expire as long as you keep your account open and active. You can redeem credit card points as deposits in your checking or savings accounts, statement credits, or gift cards.
Best Credit Card for Points #1: The Other Highlights
- No annual fee
- Free access to your FICO Credit Score
- Chip technology enabled
- Full fraud liability protection
*** During our research for this article, Barclaycard Rewards MasterCard® was still a part of Barclaycard’s offer. Barclayca
Chase Sapphire Preferred® Credit Card Review
The Chase Sapphire Preferred® Credit Card is one of the best credit cards for travel points on the market. You can earn more points through travel and spend more points for travel.
How to Earn the Credit Card Reward Points
- Earn 2 points on travel and restaurant dining
- Earn 1 point on all other purchases
- 25% more value with credit card points if you book travel through Chase Ultimate Rewards
- Credit Card Bonus Points: 50,000 bonus points when you spend $4,000 in the first three months
- Credit Card Bonus Points: 5,000 bonus points when you add the first authorized user and make a purchase in the first three months
Beyond travel, you can also redeem credit card points for cash or gift cards as well.
Best Credit Card For Points #2: The Other Highlights
Choice Privileges® Visa Signature® Card Review
Next up on our list of the best points credit card options is the Choice Privileges® Visa Signature® Card. You have some of the highest point-earning potential with these points credit cards, and it is easily one of the best credit cards for travel points.
How to Earn the Credit Card Reward Points
- Earn 2 points on all everyday purchases
- Earn 5 points by purchasing Choice Privilege points or gift cards for Choice Hotels
- Earn 15 points on all eligible Choice Privileges locations
- Credit Card Bonus Points: 32,000 bonus points when you spend $1,000 in the first 90 days
- Anniversary Credit Card Bonus Points: Earn the equivalent of 1 free night each year as long as you spend $10,000
Redeem credit card points at ChoiceHotels.com or for digital gift cards from over 80 restaurants and retailers. There is also an “Experiential Rewards” category that lets you choose activities like spa days or dinner cruises.
Best Credit Card for Points #3: The Other Highlights
- No annual fee
- Chip technology enabled
- Refer your friends and get an extra 500 points to your account
Related: Top Low-Interest Credit Cards | Low APR Credit Cards with Low-Interest Rates (Reviews)
Hilton HHonors™ Card from American Express Review
Some of the best credit card points you can earn will come from the Hilton HHonors™ Card from American Express. With a slightly lower foreign transaction fee, no annual fee, and a decent APR, these credit cards with rewards points can earn big.
Image Source: American Express
How to Earn the Credit Card Reward Points
- Earn 3 points on all purchases
- Earn 5 points on all eligible restaurants, supermarkets, and gas stations
- Earn 4 points on all eligible Hilton purchases
- Credit Card Bonus Points: Earn 500 bonus points when you use this best points card to book your Hilton stay online
You can redeem credit card points for free Hilton stays and more with these best credit cards for travel points.
Best Credit Card for Points #4: The Other Highlights
HSBC Premier World MasterCard® credit card Review
Not only is the HSBC Premier World MasterCard® credit card one of the best points credit card choices, it also has one of the lowest APR ranges. This means it is a safer choice among credit card points offers for those who may carry a balance each month.
How to Earn the Credit Card Reward Points
- Earn 1 point for every dollar spent
- Credit Card Bonus Points: Earn 40,000 bonus points after spending $2500 in the first three months
Credit card points can be redeemed for cash back, dining, and travel.
Best Credit Card for Points #5: The Other Highlights
- No annual fee (for qualified Premier customers)
- Full concierge service
- Identity fraud reimbursement
- Delayed or damaged luggage coverage
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Wells Fargo Visa Signature® Card Review
The final card on our list of best credit card points is the Wells Fargo Visa Signature® Card. Keep in mind that while this best points credit card has the lowest APR on the list (12.40%), it also goes up to the highest (26.24%). This means it is a better option if you have a good credit score.
How to Earn the Credit Card Reward Points
- Earn 5 credit card points on gas, grocery, or drugstore purchases for the first six months
- Earn 1 point on all other purchases
These best credit card points can be redeemed for many things, but you will receive 50% extra value when you redeem them on airfare, making this card also one of the best credit cards for travel points.
Best Credit Card for Points #6: The Other Highlights
- No annual fee
- Free access to FICO credit score
- All Visa Signature privileges
- Chip technology enabled
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Conclusion – Top 6 Credit Card Reward Points
Keep in mind, this is an overview of the best points credit card choices in 2017. This does not mean that each of these credit cards with points will be ideal for you. It is important to take time to figure out which credit card points offer you the best bang for your buck.
Here are a few concepts to think about while you are picking the top points credit cards for you and your finances:
- Do you carry a balance from month to month (or is it a possibility in the future)? If so, the best credit card points for you will come with a lower APR.
- Are you looking to redeem credit card reward points on things other than travel? Keep in mind that many of the best credit cards for travel points also offer redemption flexibility.
- Will you be using your best points credit card out of the country? If so, choose one of the points credit cards that offer zero (or lowered) foreign transaction fees.
- Do you tend to spend more on dining than travel? More on gas than entertainment? More on groceries than gas? Whatever you spend your money on, the best points card for you will earn extra points in those categories.
Between this ranking and review of the best credit card for points and taking the time to think about your spending habits, you will find the ultimate 2017 best points card for you in no time.
Read More: Best Prepaid Credit Cards | Prepaid Credit Cards That Build Credit
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
