When choosing from different credit cards, it’s natural to go with the one that offers rewards and points. But there are a multitude of such cards out there that grab the limelight. We scoured a few options from various companies and chose the ones that provide easily redeemable points. After all, redeeming the points seems complicated for many. So, let’s look at these credit cards and try to see which one works best for you.

1. Wells Fargo Active Cash® Card
Do you want a low-maintenance credit card that provides rewards? The Wells Fargo Active Cash® Card is a superb choice then. It levies zero annual fees and fetches unlimited two-percent cash rewards when you purchase stuff. The rewards never expire, provided your account remains open. It has no spending caps or bonus categories either. The best part is that when you make a $500 purchase in the initial three months, you will earn a $200 cash rewards bonus!

If you decide to sign up for this Wells Fargo card, you also enjoy other fantastic benefits. For example, you get a cell phone protection cover up to $600 (against theft or damage). But remember that it comes with a $25 deductible. The card also gives you a complimentary 24/7 Visa Signature® Concierge service. Well, this means you can save when booking tickets, making dinner reservations, and blocking seats at top entertainment and sports events.

2. Chase Sapphire Preferred® Card
If you are applying for a rewards credit card for the first time, check out the Chase Sapphire Preferred® Card. It gives you 60,000 bonus points when you spend $4,000 in the first three months after opening an account. In addition, the points you earn on this card are versatile. You can cash them at a rate of one cent per point. The points can be redeemed at 1.25 cents each for buying travel via the Chase Travel Portal and transferred to hotel and airline partners for free accommodations and flights. This rewards card also offers bonus points for routine expenses.

While this is a popular selection for beginners, it comes with a $95 annual fee, which can be a bummer. However, with ongoing benefits like a yearly $50 credit on prepaid hotel stays and travel insurance, you will find the fees justified.

3. Citi Custom Cash® Card
With this Citi card, you earn five percent cash back at the close of each billing cycle on your most significant spending category. But wait, there’s a catch! You get five percent back only on the first $500 you spend. After that, you receive one percent cashback. The card automatically detects which category you have spent the most money on during the billing cycle, which is a great feature.

The Citi card levies a zero percent intro APR on purchases and balance transfers for the first 15 months. Following this, the APR is variable and charged between 19.24% and 29.24%. This card levies no annual fee, so you can enjoy using it without worrying about paying extra.