Choosing the right credit card may be difficult as there are a vast number of choices available. A poor credit score can hinder making big purchases and applying for loans in the future. If you choose the right card and adopt financial discipline, you can improve your credit score and accumulate rewards over the years.

Here are the top points-earning credit cards in America.

• Chase Sapphire Preferred Card
  This is a good option if you frequently travel and dine out. With every dollar spent on this card, you earn two points. Certain kinds of purchases using this card can earn you one point. When you redeem accumulated points on travel through the Chase Ultimate Rewards portal, the worth of these points increases by as much as 25%, which is one of the greatest advantages of this credit card.
• Citi Advantage Platinum Select World Elite MasterCard
  If you are an American Airlines flyer, you earn two miles for every dollar spent on fuel and at restaurants. Additionally, you earn two miles for flying with American Airlines. All other expenditure earns you one mile per dollar. New users receive 50,000 bonus miles if they spend $2,500 in the first three months. Moreover, you receive a yearly flight discount of $125 if your annual spending is at least $20,000.
• Chase Sapphire Reserve
  This card is an excellent option for travel, and you get to enjoy premium benefits while traveling around the world! You receive $300 credit for travel expenditure every year. After receiving this credit, you can earn three points for every dollar spent on travel and dining. All other purchases will earn you one point per dollar. While redeeming the points via the Chase Ultimate Rewards portal, the points receive 50% more value.
• IHG Rewards Club Traveler Credit Card
  If you frequently stay at IHG Hotels, this card is an excellent option because you earn 15 points for every dollar spent. You accumulate two points per dollar when you use this card to pay for groceries, gas, and restaurant bills. All other purchases earn you one point per dollar spent. There is no foreign transaction and annual fees on this card. All eligible bookings earn you a free fourth night’s stay.
• Hilton Honors American Express Card
  The Hilton Honors American Express Card is suitable if you want to earn higher rewards on your Hilton purchases. When you stay at Hilton hotels, you earn seven Hilton Honors bonus points for every dollar spent. Additionally, you accumulate five points for spending at gas stations, restaurants, and U.S. supermarkets. All other purchases are eligible for three points per dollar. The card does not entail any annual fees and provides complimentary silver status in the Hilton Honors rewards program.

When choosing the   top points earning credit cards in America, it is recommended to take some time to do your research. Determine your requirements to shortlist credit cards that suit them before applying for one.