Some people are obsessed with redeeming credit card points. These points are indeed very beneficial if used wisely. For example, cashback cards pay cash for a specific limit or unlimited spending; travel cards add miles to your account, which you can redeem for flights and hotel reservations; shopping cards offer free lunches and other gifts. Here are the top points earning credit cards in America that you should be aware of.

1. Citi Double cash card – 18 months BT offer
One of the best things about cashback cards is that it promises 2% cashback on shopping and purchases and an additional 1% cashback when the card bill is paid. However, it requires a good credit score and does not offer a bonus on signing up. If you transfer a balance from another card, they offer 0% initial APR on transfers for 18 months post which the APR ranges between 13.99% and 23.99%, depending on your credit score. However, you cannot earn cashback on balance transfers.

2. Chase Sapphire Preferred Card
Once you purchase a card and spend above $4,000, Chase offers 60,000 bonus points. It amounts to about $750, which you can redeem for travel. They give you two times the points for travel, restaurants, and select delivery services with no delivery charge. You can also earn two times the grocery store points for purchases up to $1,000 from November 1, 2020, until April 30, 2021. However, they charge an annual fee of $95.

3. Blue Cash Preferred Card from American Express
This is one of the best cards for shopping rewards. Blue Cash offers 1% cashback up to $6,000 for supermarkets, 3% at gas stations, and travel expenses including trains, tolls, parking, and buses. The highest band of 6% goes for streaming services. Any purchase other than this is rewarded with 1% cashback. This card is recommended for people with credit scores higher than 690. Also, you need to pay an annual fee from the second year only.

4. Discover it Student Cashback
Without any minimum or maximum limits, this card matches the total cash back earned by the end of the year. If you use PayPal, you are entitled to 5% cashback every day per quarter in grocery stores, eateries, gas stations, and Amazon shopping. Other purchases earn you 1%. If you maintain good grades at a 3.0 GPA, they give you a credit of $20 each school year for five years. Besides, you can activate, deactivate, or freeze your account in seconds. They send you an alert if your number is being used in any hacks or dark websites. They do not charge an annual fee or any APR for late payment. Students who are purchasing their first credit card and those with a fair credit score are eligible for this card.

5. Capital One Quicksilver Cash Rewards Credit Card
This is for those who have maintained a fair credit score throughout. The card offers a flat 1.5% cashback on every purchase you make, without any limits. If you keep a good credit score and make timely payments, you automatically become eligible for a higher credit line. Also, they charge $0 for fraud liability if your card is lost or stolen. However, there is an annual fee of $39, without any initial cost.