Best Credit Card Rewards for 2026 (Cash Back + Points)

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Credit card sign-up bonuses hit record highs in 2026. Here are the 7 best for frugal Americans.

No Annual Fee Winners

• Chase Freedom Unlimited: 5% rotating, 3% dining
• Citi Double Cash: 2% everywhere

Travel Hack

Amex Gold → 100K points = $1,500 flights (transfer to Delta).

Related: Tax Deductions — write off card fees.