The best rewards credit cards of September 2020

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These are the best rewards credit cards of September 2020.

with an industry-leading 2.5% cash back on all purchases , is ideal for anyone looking for an easy-to-use rewards card. There are no bonus categories or activation required, so this card is a simple way to maximize cash back on everyday spending.

This card doesn't have many of the bells and whistles that other cards on this list have, but it does offer a competitive 12.24% to 22.24% variable APR. Compared to other rewards cards, this is in the low range, which may be helpful if you happen to carry a balance month-to-month. While this card has a strong cash-back program, it does come with a $99 annual fee . It's not the highest when compared to other rewards cards, but you can find a range of cash-back cards with no annual fees.

You also have to become a member of Alliant Credit Union and open an account in order to qualify for this card. The easiest way to become a member is by supporting Alliant's partner charity, Foster Care to Success. You don't need to pay the charity directly — Alliant pays $5 on your behalf when you apply to join the credit union.

Overall, the numbers indicate that it's worth it to overcome these relatively minor obstacles in order to get the card's generous cash-back rate on all your purchases. If you don't want to make that trade off, though, there are a number of other strong cash-back options that don't require you to join a credit union.

 

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