Summit National
Summit Cash Preferred
- Rewards
- 2% on everything
- Intro offer
- $200 after $1,500 spend in 3 months
- Annual fee
- $0
- Flat-rate cash back
- No annual fee
- Cell phone protection
Best rewards credit cards
The right rewards card depends on where your money already goes. Match the bonus categories to your top spending, then check that the welcome bonus spend requirement fits your normal budget.
excellent odds
Meridian Bank
Meridian Travel Elevate
- Rewards
- 3x travel & dining, 1x other
- Intro offer
- 60,000 points after $4,000 spend
- Annual fee
- $95
- No foreign transaction fees
- Transfer partners
- $50 annual hotel credit
Atlas Financial
Atlas Balance Builder
- Rewards
- 1.5% on everything
- Intro offer
- 0% APR on balance transfers for 18 months
- Annual fee
- $0
- Longest 0% window matched
- 3% transfer fee
- Free credit score tracking
Advertiser disclosure: card details are provided by partners and may change. Sample offers shown until partner integrations go live.
Rewards cards: FAQs
Are rewards taxable?
Rewards earned by spending are treated as rebates, not income. Bonuses earned without spending (like some referral bonuses) can be taxable.
Points or cash back?
Cash back is simpler and always worth face value. Points can be worth more with travel transfers but require effort to redeem well.
Do rewards expire?
On most major cards, rewards last while the account is open and in good standing — but closing the card can forfeit them, so redeem first.