It's important to research current offerings and compare the benefits of various credit cards before making a decision. In this post, I will elaborate on how credit card offers, so it's a good idea to review current offers and terms before applying for any credit card.

But below are the top 10 excellent rewards credit cards according to NerdWallet

1. Chase Sapphire Preferred Card: This card offers 2x points on travel and dining and 1x points on all other purchases. The sign-up bonus is 100,000 points after spending $4,000 in the first three months. The annual fee is $95.

2. American Express® Gold Card: This card offers 4x points at restaurants worldwide, 4x points at U.S. supermarkets (up to $25,000 per year), 3x points on flights booked directly with airlines or on amextravel.com, and 1x points on all other purchases. The sign-up bonus is 60,000 points after spending $4,000 in the first six months. The annual fee is $250.

3. Capital One Venture Rewards Credit Card: This card offers 2x miles on every purchase, every day. The sign-up bonus is 60,000 miles after spending $3,000 in the first three months. The annual fee is $95.

4. Citi® Double Cash Card: This card offers 2% cash back on all purchases (1% when you buy, 1% when you pay). There is no sign-up bonus, but there is no annual fee.

5. Blue Cash Preferred® Card from American Express: This card offers 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. The sign-up bonus is $300 after spending $3,000 in the first six months. The annual fee is $95.

6. Chase Freedom Flex℠: This card offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (activation required), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back at restaurants (including takeout and delivery) and drugstores, and 1% cash back on all other purchases. The sign-up bonus is $200 after spending $500 in the first three months. There is no annual fee.

7. Capital One Savor Cash Rewards Credit Card: This card offers 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases. The sign-up bonus is $300 after spending $3,000 in the first three months. The annual fee is $95.

8. Discover it® Cash Back: This card offers 5% cash back on rotating categories that change each quarter (up to $1,500 in purchases per quarter), and 1% cash back on all other purchases. Discover also matches all cash back earned in the first year. There is no annual fee.

9. Wells Fargo Propel American Express® card: This card offers 3x points on dining, gas stations, rideshares, transit, flights, hotels, homestays, and car rentals, and 1x points on all other purchases. The sign-up bonus is 20,000 points after spending $1,000 in the first three months. There is no annual fee.

10. Bank of America® Premium Rewards® credit card: The Bank of America Premium Rewards Credit Card offers a sign-up bonus of 50,000 bonus points after spending $3,000 in the first 90 days of account opening. These bonus points can be redeemed for a statement credit towards travel purchases, and are valued at $500. Additionally, the card offers 2x points per dollar spent on travel and dining purchases and 1.5x points per dollar spent on all other purchases. There is an annual fee of $95 for this card.