How many cards offering the best credit card rewards are presently in your wallet? Are you even making the most of your card’s rewards potential? Following a J.D. Power study, only 33% of cardholders understand credit card rewards. Your cards may have different point values for different kinds of spending, redemption values, and special bonus categories. These fluctuations and variations make it impossible to maximize reward benefits on their cards.

Consequently, you may end up losing some valuable benefits. Here is a list of top credit cards with the best rewarding system. If these are your cards, you know what you are missing, and if you are applying for a new card, these should be on your list.

Citi® Double Cash Card
On your Citi® Double Cash Card, you bag 2% cash back on all your purchases, broken down into 1% unlimited cash back when the purchase is made, followed by an extra 1% when you pay for the same. There is no sign-up bonus or annual fee. You can convert your cashback into Citi ThankYou Points and transfer to retail or airline partners and redeem them for travel.

Alliant Visa Signature Card
Alliant Visa Signature Card offers the best credit card rewards for high-volume spenders. They do not charge any annual fee and fetch you 2.5% cash back on all your purchases to a maximum of $10,000 in one cycle. Sadly, there are no introductory offers but there are no transaction fees.

Blue Cash Preferred® Card from American Express
Anyone who enjoys shopping at the supermarket will love the Blue Cash Preferred® Card from American Express. On your annual spending of up to $6000, you can bag a 6% cash back on all your supermarket purchases. Anything over that limit will fetch a 1% cashback. There is also a 6% cash back on streaming providers and digital media purchases. On every one dollar spent at transit operators and gas stations, you bag a 3% cashback. Finally, there is also a 1% cash back on every purchase. The cashback can be redeemed as statement credits. There is a $95 annual fee, but if you spend a minimum of $3000 in the initial six months, you can get $300 back.

Chase Freedom Unlimited®
Chase Freedom Unlimited® can be a good pick if you wish to make an expensive purchase and pay it off over time. Further, every purchase with the card bags you a 1.5% unlimited cashback, and there is no annual fee that applies.

Wells Fargo Active Cash℠ Card
There is an introductory offer on Wells Fargo Active Cash℠ Card, wherein you can fetch $200 as cash rewards upon your $1000 spending in the initial three months. Further, there is also an unlimited 2% cash reward on every purchase. The annual fee is zero, and there is a 3% foreign transaction fee.

Chase Freedom Flex
Chase Freedom Flex has no annual fee and delivery fee charges for DoorDash, and it fetches you 5% cashback on your quarterly spending categories. In addition, you get 3% cashback on your spending at drug stores and restaurants and 5% cash back on travel purchased via Chase Ultimate Rewards. On spending $500, you get $200 as a welcome bonus. There is also 5% cash back on grocery purchases made in the first year. Lastly, you also get 5% cash back for Lyft rides.

Capital One® Venture® Rewards Credit Card
This can be a good pick for a cardholder who likes travel rewards instead of cashback. As part of the introductory bonus, you will get 50,000 bonus miles upon spending $3,000 in the initial 3-months. These miles can be redeemed to book your travel or get a statement credit. You can also transfer them to your bank’s airline partners. There is no fee in the first year, but you will have to bear a $95 fee for every subsequent year. A foreign transaction fee is also not applicable.