A recent study showed that only 1/3rd of credit card holders are completely aware of their card’s full potential. Credit cards can help you redeem points for multiple expenses like airfare, hotel, fuel charges, etc. However, most credit card holders fail to utilize the benefits associated with the cards completely. That is where this article comes in. It lists some of the most highly rewarding credit cards.

Platinum Card from American Express
The card gives you an immediate 100,000 Membership Rewards® Points after you spend $6000 within the first six months of availing the membership. The wide overseas connection of the bank allows the card to be used in shops and restaurants worldwide, which increases card rewards by 10x. The American Express Platinum Card is also best suited for travelers, as it allows you to save on flight bookings through American Express Travel. Family and business holidays are made rewarding with the addition of 5x Membership Rewards® Points on prepaid hotels. Apart from this, the card is highly rewarding when used to avail lounges, Uber, and various other facilities.

Citi Double Cash Card
The Citi Double Cash Card is well known for its generous reward scheme. It initially starts with 1% unlimited cash back on purchases made through the card and later increases to include an additional 1%. On the downside, the Cash Card does not have a welcome bonus and requires a minimum fee to make foreign transactions and balance transfers. The long-lasting APR makes Citi Double Cash Card one of the most preferred credit cards. The 0% APR for the initial 18 months is definitely something to look forward to. Those aiming to avail standard and secured cashback with the ability to pay a minimum due on time should immediately opt for a Citi Double Cash Card.

HSBC Elite Credit Card
The HSBC Elite Credit Card is the best choice for travelers. It provides the most generous travel rewards, which amount to a maximum of $750. Other travel benefits attached to the card are access to premium lounges, luggage perks, etc. These benefits come with a hefty annual price, but the bonus rewards provided by the bank make up for it. The card is also accredited with Uber and Lyft, which help you earn points when utilizing their services. The rewards are guaranteed on all travel expenses — 3x points with booking flight tickets; 2x with prepaid rooms; 2x with car rentals; 2x and 1x on dining, snacks, and other purchases.

Marriott Bonvoy Brilliant™ American Express Card
Being a loyal customer of this luxury hotel chain comes with additional perks. The combined venture of the Marriott Group hotels and American Express allows you to opt for a credit card with multiple benefits. The Marriott Bonvoy Brilliant ™ American Express Card comes with a stellar opening bonus, which makes up for the hefty annual fees of $450. Like other cards, Brilliant ™ cards also enable smooth travel experiences. Flight tickets, hotel rooms, and dining are provided with reward points. The card includes earning 75,000 Marriott Bonvoy reward points after you spend a minimum of $3000 within the first three months.

Discover it® Student Cash Back
As the name suggests, the card is best suited for students. Along with the experience of learning how to use a credit card, students can get various rewards. Student Cash Back is an optimum cashback offer provided to students. These rewards help the students with their basic expenses such as dining, gas station expenses, grocery, gadgets, stationery, etc. The Discover it® Student Cash Back card is not easily available to every student. The students must have a certain GPA and must maintain the same throughout as a cardholder.