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Rewards Credit Cards

Rewards Credit Cards

As the name suggests, with Rewards Credit Cards you get rewarded for the credit card purchases that you make. You can get rewarded in cash back, or miles, or points. In order to maximize the benefit that you get from your rewards card, it is important to choose one that lets you earn rewards for your favorite thing. Some reward credit cards offer higher rebates for gas or travel charges. Card Hub recommends that you choose cash back rewards, as cash is the most flexible option. Compare the cards listed below and apply for the rewards credit card that you like the most.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until August 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4.5

    Chase Sapphire Preferred® Card

    chase sapphire preferred credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Points
    BONUS 40,000
    BASE EARN 1 point / $1
    MAX EARN 3 points / $1
    • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards℠.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS until May 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4.5

    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

     
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    3

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    3

    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.9% - 23.9% (V)
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    3.5

    Marriott Rewards® Premier Credit Card

    marriott rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $85 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
    • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that’s up to 7 Free Nights
    • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • Achieve Elite Status faster with Annual Credit & Everyday Purchases – 15 Elite Credits after account approval and every year after your account anniversary
    • Unlimited Point Accumulation

     
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    4

    Blue Cash Preferred® from American Express

    blue cash preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    4

    Sony Card from Capital One®

    sony credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 5,000 bonus points after first purchase in your first 90 days.
    • 5 points per $1 at Sony Store and store.sony.com.
    • 3 points per $1 on dining out and movie purchases.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more

     
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    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

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    Ask our Experts
    EXPERT’S ANSWERS

    Who should get credit cards with rewards?

    By: Odysseas Papadimitriou You should center your credit card search around rewards if you have good credit AND pay your bill in full every month. With that being said, different people who meet the aforementioned criteria should get different types of rewards credit cards, as not all rewards are created equal. We generally suggest gravitating toward cash back rewards credit cards given their simplicity and transparency, but based on your specific needs and spending habits, a non-cash back credit card could prove more lucrative. For more detailed information about picking the right credit card rewards program, check out the question about that subject below.

    Who shouldn't get credit cards with rewards?

    By: Odysseas Papadimitriou If you have less-than-good credit or revolve a monthly credit card balance, you should not focus on credit cards with rewards. If you don’t have good credit, you should focus on minimizing monthly and annual fees in order to build your credit standing as inexpensively as possible. If you don’t pay your bill in full every month, the benefit provided by credit card rewards will be eroded, if not wiped out completely, by interest charges. While you might find that some credit building or 0% credit cards offer some rewards, consider that a happy accident. As always, you should avoid using a credit card if it leads to you spending more than you would normally. If this occurs, pay off your credit card balances and lock your card(s) in a drawer. Don’t worry, your credit score will still benefit just from your credit card(s) reporting you as being in good standing on a monthly basis.

    What are the different kinds of rewards credit cards?

    By: John Kiernan Rewards credit cards generally have three main characteristics: their rewards currency, their targeted consumer demographic, and whether or not they are affiliated with any particular company or organization.

    There are three primary rewards currencies: points, miles and cash back. In addition, rewards credit cards are also targeted to three main demographics: students, small business owners and general consumers. Credit cards that are affiliated with certain companies, organizations or causes are known as affinity cards. Affinity cards include both store cards, which provide rewards strictly on purchases you make at affiliated stores, and co-branded Visa or MasterCard cards that can be used anywhere but provide added rewards for purchases made through the respective company or organization tied to the card. In short, people get them because they have an affinity for the store or organization the card is tied to and would like their credit card rewards to reflect and fuel this interest.

    How do I choose between credit card rewards programs?

    By: Odysseas Papadimitriou Each credit card company typically has its own rewards program, and while some are known for having the best customer service or the best cash back rewards, for example, your credit card rewards comparison should really be focused around finding the single best rewards credit card for your lifestyle.

    “When every business is offering the same [type of] loyalty program, it will be hard for customers to differentiate one from another,” says Dr. Christina Chi, an assistant professor in the School of Hospitality Business Management at Washington State University. “What makes a business stand out is, of course, first and foremost, the quality of the service/product. If two businesses are offering similar quality product/service at a similar price, then their loyalty program may help make the difference. Whoever's loyalty program offers the better deal and is easier to redeem the loyalty points will win out.”

    The first step in choosing a rewards program is deciding whether travel rewards are suitable, so ask yourself: Do I compile 30,000 airline miles or 20 nights in a hotel annually? If your answer is “yes,” get a generic travel rewards card or the card tied to your favorite hotel/airline (if most of your travel is with that company).

    If you answered “no,” we recommend simply finding the cash back credit card offering the most lucrative rewards on your biggest expenses. Credit card companies can easily devalue points/miles by changing the number that must be redeemed for certain rewards. This is not possible with cash.

    In addition, cash back rewards offer a lot of redemption versatility in that you can redeem your earnings for any type of expense via statement credits – unlike many points and miles-based credit cards. Interestingly, this “perk” benefits card issuers as well. “If there are a lot of options for a consumer to redeem accrued points (or whatever), consumers will have a more favorable image of and feeling for the company,” says Dr. Patricia Huddleston, a professor of retailing in the Department of Advertising, Public Relations and Retailing at Michigan State University.

    What should I look for in the fine print of a rewards credit card application?

    By: Odysseas Papadimitriou Trying to compare credit card rewards can be confusing, especially given the fact that some of the most important information about a card might be buried within the application’s fine print. Below you will find some of the most important terms to look for when examining a credit card offer
    1. "Expiration" – It’s extremely important to determine whether your rewards will expire, especially if you are someone who likes to compile a lot of rewards and redeem them all at once.
    2. "Up to" – Some rewards credit cards only allow you to earn points, miles or cash in various spending categories up to a certain amount spent. The presence of any such quotas or limits impacts the ultimate benefit a card will provide.
    3. "Rotating" – Credit cards often provide higher earning rates on specific spending categories that change, usually on a quarterly basis. You typically need to sign up for these heightened rewards, however.
    4. "Tiers" – Some credit cards use a tiered rewards structure where the number of points/miles or percentage of cash back you get for every purchase increases based on your annual spending.
    COMMUNITY DISCUSSION

    Help others find the best rewards credit cards by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    September 1, 2014
    Photo of Swetha W.
    By: Swetha Wetta
    I prefer credit cards that have rotating rewards. It's nice to see different things in the catalog. I use my HSBC MasterCard and I often get cash as my reward.
    August 27, 2014
    Photo of Brittany V.
    By: Brittany Venegas
    I have the Chase cash back rewards card, and I really like it. It gives you a different percentage cash back on various categories that rotate and change every period. This cash really adds up, and you can use it to pay off the card or just deposit in your account. This cash is great, and you can buy things to reward yourself with, like clothes, furniture, or dog toys. Having a rewards option is very important to me when choosing a credit card.
    August 24, 2014
    Photo of Roger S.
    By: Roger Saint Vincent
    I use my VISA NFL rewards card all the time, I figure I deserve a few fun things and this card lets me have them without the money coming directly out of my pocket. I have had redeemed several thousand points for merchandise over the years and its always good quality stuff. Once, last year, I got free Club Level tickets to a playoff game! the company called me and asked if I wanted them....FREE! I will definitely be keeping this card, I truly love the rewards program.
    August 7, 2014
    Photo of Phillip C.
    By: Phillip Cahill
    I like to keep it simple when it comes to rewards with my credit card. I have a basic Visa and it offers straight up cash-back rewards of 2%. It may not seem extravagant or mind-blowing, but it's simple and makes me feel appreciated. Sometimes that's all it takes to get my business, and the fact that it hasn't changed over 5 years helps to keep it. I've already cashed in a few times for small things like pizza on the weekend or a cool beer, but it's the little things that make life great.
    July 30, 2014
    Photo of Monica N.
    By: Monica Nicole
    i like cash back rewards as well as rewards used on restaurants and traveling. At the moment I am frequently using my discover card which has great benefits around the holidays (obviously when people spend the most money.) You get a lot of money back from spending on bigger purchases like tv's, laptops, jewelry etc... I believe my AMEX card was pretty good to use when traveling abroad.
    July 25, 2014
    Photo of Brutus S.
    By: Brutus Smith
    Most of the major credit cards are owned by a few large corporations these days. In order for the smaller credit card companies to entice people to use their cards, they should offer rewards. My daily use card is my Bank of America Mastercard because I really love the rewards it offers. It just makes sense to get cash back for the items I purchase. I look at it as an advanced form of coupon clipping.
    July 15, 2014
    Photo of Amanda T.
    By: Amanda Taylor
    Out of the available rewards offered on a card, I would strongly prefer that the rewards were not on a rotating category. The reason for this is that the rotating categories tend to fall into purchases that the average person would not make daily, such as flower arrangements. When the categories on a card don't change, it helps me figure out which card I could get the most use out of. If they offered rewards on practical items (groceries, gas), I would get the most benefit out of those cards.
    July 9, 2014
    Photo of Angela S.
    By: Angela Szarenski
    I like getting the cash back rewards, that's a no brainer. Everyone wants a little extra money in their pocket. While I enjoy those rewards my favorite is collecting miles. When I get those miles and I finally get to cash them in for a trip, it always takes away the little guilt I feel for taking a vacation instead of putting money into savings. Those miles allow me to have some fun times, without spending the hundreds of dollars on plane tickets that it costs to get anywhere these days. Of course, any rewards are a good thing.
    June 24, 2014
    Photo of Eric E.
    By: Eric Engel
    Points and rewards are pretty much the major draw of using a credit card currently, APRs are so high that they create crippling debt if you do not pay it off immediately, but using a credit card and paying off that month just to create points and raise your credit rating is extremely advantageous to the consumer. You are paying for things and making a bit of money or points in the process of using the card for things that you already would be paying for.
    June 24, 2014
    Photo of Aileen L.
    By: Aileen Lietle
    I use my Visa card for the more expensive things I have to buy every week like gas and groceries. This way I am sure that I am consistently earning points. If you are going to spend the money, you might as well get something back. Just remember to pay off your balance at the end of the month!
    June 17, 2014
    Photo of Rebecca H.
    By: Rebecca Hampton
    I use an Amazon Visa to get Amazon rewards. I think one of the best ways to rack up reward points is to use it for everything possible, but always pay it off. If I pay my rent, that's $5-6 bucks right there. Buying groceries and buying gas are also great. I try to use my card for all of my obligatory expenses so that I essentially get a 1-3% return on all my expenses. I also get my friends and family to use my card when they make Amazon purchases, and that makes me even more points. The fastest points happen when you get a card with a company that you (and your friends!) will make many purchases from anyway.
    June 7, 2014
    Photo of Brandon L.
    By: Brandon Lion
    I've got a cash back rewards card from NFCU that I absolutely love as it gives me cash back on everything. When I initially got it I only received 1% cash back on purchases, but after having it for over a year they've recently raised that to 2%, which I'm pretty excited about. I haven't withdrawn any of the rewards yet, but I do enjoy watching the number getting higher and higher! I had an option between these or one of the points rewards that would allow me to get points towards certain things, but I'd rather just have cash that I can spend on something I'd actually want. No real cons to it. The APR is kind of high, but it was my first credit card, so I didn't really have any other options!
    May 31, 2014
    Photo of Quentin P.
    By: Quentin Pegram
    I picked the credit card I have now because of the reward system is has through Amazon. Interest rates and fees weren't that important to me since I pay my card off on a weekly basis. The rewards I get from using my credit card are awesome. I get roughly $50 a month to use to purchase items on Amazon. Since I'm a frequent Amazon shopper this couldn't work out any better. Since, I never pay any fees or interest I basically get free stuff.
    May 29, 2014
    Photo of Patricia V.
    By: Patricia Van Landingham
    I prefer credit cards that offer cash back rewards. I like to get actual CASH. I don’t like feeling as though I have to spend my rewards in a way the company wants me to spend them. For example, I don’t want to have to buy products in order to use my rewards. I didn’t think I wanted a Capital One card at first, but I’ve been happy with the company's 1.5% cash back card.
    May 18, 2014
    Photo of Jay S.
    By: Jay See
    I think rewards are a really important characteristic for credit cards. I mainly prefer rewards like cash back. It gives some incentive to use the card more often as well. Aside from rewards, sign up bonuses are great for attracting new customers. I applied for the Chase Freedom card because of the sign up bonus where you earn $100 after spending $500 in the first 3 months. These are all important characteristics, and a nice catch to feel like you get rewarded for just using the credit card because it all adds up over time.
    May 6, 2014
    Photo of Megan B.
    By: Megan Beaver
    I prefer credit card rewards that are fixed and not any that change. The reason is very simple if the rewards change I may end up with options that I dislike. For example I was using a Bank of America Visa card that changed its program and there were no items of personal interest or worth to me that were obtainable by me, without having to use my credit card for everything. Because of this I shy away from cards with rewards. If the incentive is cash back or a gift card for a store or a certain selection of shops and will not change I will consider using that rewards cards. Personally I prefer a card with a cash back option. The best reward is one you can use wherever you like.
    May 5, 2014
    Photo of Dustin M.
    By: Dustin Martin
    I only use credit cards that give cash back or give points that can be redeemed for cash. I have had an American Express card for a long time but didn't use it simply because the points it provided were confusing and seemed nonredeemable. However, they just started a new program that converts points to cash against your purchases which is fantastic. It has quickly become the only card I use. All credit cards should use a cash back system.
    May 1, 2014
    Photo of Charlie H.
    By: Charlie Heston
    I only ever apply for rewards credit cards. I currently have a chase freedom card, and I get 5% back on gas 6 months out of the year, the 5% categories rotate and sometimes are Amazon and department stores. THIS IS A HUGE BENEFIT! It adds up so quickly. Another good thing is this doesn't have an annual fee. You should ALWAYS weigh the annual fee with how much cash back you can get. Often times, the card will pay for itself many times over. You don't even need a chase bank account, but you get an extra bonus if you have one. But for 1% all the time and 5% on categories, no.
    April 21, 2014
    Photo of Gina K.
    By: Gina Kim
    When I choose a credit card I always make sure there's some sort of rewards attached to it. I like to think that my credit card is working for me, and not the other way around. Right now I have a Citi card where I accrue points every month. With those points I can redeem them for rewards such as gift cards or cash in the form of a check or applied to my next statement. I highly like these types of cards that have a combination of both rewards and cash. There are times when I do want a gift card to say Amazon and I would redeem my points for that. Other times I want some cash for whatever reason. Another great attribute is that I can redeem my points for travel-related purchases. This is great because it's like having three different credit cards in the form of one. Why have a mileage credit card, rewards credit card and cash back credit card when you can just have it all? That's how I chose the credit card I am currently using.
    April 18, 2014
    Photo of Dan H.
    By: Dan Harrison
    I love reward systems from credit cards. Getting paid for paying bills I have to pay regardless is just awesome. Although some people prefer frequent flyer rewards point, I prefer points that can be used for anything. Take the Citi Forward card for example. I get standard points for every purchase PLUS bonus points for buying in certain categories (i.e restaurants) and for paying my bill online every month. Those points can then be used to purchase a wide array of options. For me, I love giftcards because Citi has an awesome selection and I can use them for tons of places. Citi Forward card gets an A+ from me, thats for sure.
    April 12, 2014
    Photo of Jack R.
    By: Jack Ryan
    Rewards systems are nice, but they're more of a bonus than a motivating factor for getting a card. I'd rather just have something simple, fee free, and streamlined. If I'm forced into counting points for prizes and such, I'll pretty much tune out anyway. It's always a gimmick, and there's rarely anything I'd actually want or have a use for anyway.
    April 2, 2014
    Photo of Stephanie N.
    By: Stephanie Nudds Martin
    While I enjoy rewards credit cards, I don't think that rewards are the most important feature. I believe points programs are too unclear. I've compared prices of items at the halfway point and at the top tier level. There doesn't seem to be a huge difference in some cases. That being said, I think things like 0% interest can be way more beneficial. Also, items like roadside assistance can save you way more money in the long run than cashing in for a blender.
    March 24, 2014
    Photo of Kris L.
    By: Kris Letang
    The most important characteristic of credit cards to me is that they have a low APR, and that the reward you get for using them is something that you are actually going to use. There’s nothing worse than getting air miles for years, only to find out that you are never going to have enough to actually fly anywhere or use them to go on vacation until you’re 90. There are so many different types of rewards cards out you just have to look around to find the good ones!
    March 19, 2014
    Photo of David S.
    By: David Sanders
    Personally I prefer a rewards system that offers something other than cash. The primary reason why I think gift cards or other things are better than cash back is because I'll get something I would otherwise have gotten. What I'm talking about is that with cash I won't let it go, but if I don't have the option of cash I'll get myself a reward. In other words I'll actually reward myself with something I wouldn't otherwise get with a reward system, but with a cash back system I won't reward myself I'll just use the cash for whatever I would have normally used the cash for.
    March 19, 2014
    Photo of David S.
    By: David Sanders
    When a credit card offers rewards that don't stay the same it is too difficult to know what it is you're aiming yourself at. If I look at a rotation of rewards I might say that I want something now but don't have enough rewards for it so I'm going to make that my goal. Six months later when I have enough points for it there is some other type of reward instead of the one that I wanted. This is why I prefer a static reward set, that way I always know what I'm trying to reward myself with and how much I need to do it.
    March 17, 2014
    Photo of Dan H.
    By: Dan Harrison
    In my opinion, the best way to use a credit card for rewards is by using the CC for all purchases, including bills. Rather then paying bills via checks, using your CC is easier and earns rewards you otherwise normally wouldn't get. In addition, it is a great idea to optimize your particular CC for different rewards. For example, my Citi Forward CC gets triple points on dining out. This is a great way to build points which can later be used to buy giftcards or other items. My citi card also gets extra points for purchases made at bookstores which is perfect because I spend a ton of money and get alot back!
    March 6, 2014
    Photo of Jackie F.
    By: Jackie Farace
    My Discover More offers 1% cash back on every purchase and then 5% cash back on purchases in rotating categories. I actually appreciate that the categories change - I received 5% cash back on online purchases during the holiday shopping season and I am looking forward to earning 5% cash back on home improvement purchases this Spring. It's helpful because the categories match up to my spending.
    February 27, 2014
    Photo of Annie N.
    By: Annie November
    I understand why having rewards change and offer new and different things can keep it fresh but it can be frustrating as well. For example, say there's a reward you really want and you save up for it for a long time and then just when you're ready to turn it in for that reward, it all changes and it isn't there anymore. At least with the rewards the same, you know what you're saving for will still be there waiting for you. You know what you stand to gain when you sign up for the reward card and there aren't any extra surprises that can mess up your plans. We use Visa and are more than happy with it.
    February 26, 2014
    Photo of Terry J.
    By: Terry Jablonski
    My opinion of rewards cards is "the simpler, the better." I always try to search for cards that don't rotate the categories because it takes the guess-work and planning out of them. I want to know what I'm earning on and not have to think about it. My preference is for cash back rewards, but I have a card that earns points for travel rewards as well. I do my best to maximize my rewards, so I will use my cash back card for all of my purchases except for the ones that fall in the categories that earn the most points for my travel rewards card (usually gas, groceries, etc). It always feels really good to apply my cash back rewards to my balance or to pay for some plane tickets with airline miles.
    February 20, 2014
    Photo of Nicole B.
    By: Nicole Bedard
    It seems like almost all credit cards these days offer some kind of rewards program along to entice consumers to use one card more frequently than another. I personally prefer credit cards that do not rotate their rewards program, because generally when I pick a credit card, I tend to pick the card for the rewards program that is offered, specifically with that card at that time. If the rewards were to change, depending upon what they'd change to, I would rather not use it and would go to some other type of credit card. I have a Visa card that offers Disney rewards which give you vacation perks. Being a Florida resident and living close to Walt Disney World, I find this to be incredibly useful. With this card, there is 0% apr financing on all vacations purchased, they offer vacation club special financing options, and $50 on board credits when you pay for a Disney cruise with the card. Additionally from time to time, you can get special offers for Disneyland and Disney world vacation packages when the card is used at the time of purchase. I think this is great, and if the offers were to change I would most likely not be using this particular card anymore.
    February 18, 2014
    Photo of Seth H.
    By: Seth Hughes
    Most credit cards have a particular reward about them that makes them different from others. Some offer miles. Some offer cash back. Some offer points. What I have learned during my time as a credit card user is to have specific cards for specific things in order to maximize their reward potential. For example, I use my Bank of America cash rewards card for gas because it offers 3% cash back on gas purchases. I use my American Express card for hotels because I often get discounts through using their site. Doing this enables you to actually utilize the rewards that credit companies so proudly advertise. Be sure to really examine a card's rewards and make sure they are what you want and that you will actually use them.
    February 13, 2014
    Photo of Andrew K.
    By: Andrew Kunkle
    I have a card that has a rotating rewards program, as opposed to one that always has the same rewards categories, and I think that I prefer it that way. It seems like they know what you'll be spending money on in different seasons, and they adjust the rewards categories to that area. For example, during the holiday season, all online purchases netted me 5% cash back. This, for me personally, got me a bunch larger return than if it would have just remained gas or restaurants or something fixed like that.
    February 10, 2014
    Photo of Dana D.
    By: Dana Dunn
    I have a Playstation card from Capital One. I really like to use this card for rewards because my kids have a PS3 and a PS4 and every time they want something from the Playstation store I get 10 points for every $1.00 spent that I can use. Also, the initial signing up got us 5000 bonus points! I really enjoy this card. It helps out a lot!
    March 8, 2014
    Photo of William Boffa
    William Boffa
    That's awesome, I'm actually going to consider getting one after reading that (I have a PS3). That's pretty generous with the points it lets you have, it makes all the difference when a card can be flexible.
    February 4, 2014
    Photo of Howl C.
    By: Howl Carnage
    I prefer a card to have a cash based rewards system - similar to that of Capital One's - that allows me to use the cash back that I have attained thus far and use it either as a statement credit or use it in their gift card section for some discounted gift cards.
    February 6, 2014
    Photo of Brian Oxenreider
    Brian Oxenreider
    Cash back rewards are definitely the best. I have a Paypal Mastercard that I mostly use for my Ebay purchases. Every other month I earn enough points to redeem for $50 off my bill. That's a nice little chunk off that bill each time. It almost feels like they are paying me to Ebay.
    February 4, 2014
    Photo of Laura L.
    By: Laura Lei
    Since the Chase Freedom card offers stable rewards and does not fluctuate or rotate rewards, this is the card I would choose to use every time. Trying to keep up with a rotating reward system is too much work for the average busy person.
    February 3, 2014
    Photo of Terri C.
    By: Terri Coy
    I use my Chase Freedom card to get my rewards on gas. I think that this is the best way to use a rewards card because gas is so expensive. That way when I buy things I need already I get a discount on gas. I love using this card for that reason!
    February 5, 2014
    Photo of Nagel Fox
    Nagel Fox
    I agree. The 5% cash back program offered by the Chase Freedom card is really nice. The program always includes merchants I already spend money with and gives me an incentive to try new places as well. Getting points is almost effortless and they really add up fast!
    January 31, 2014
    Photo of Roy C.
    By: Roy Chen
    I prefer cards that do not rotate rewards. Stability is a major reason but also miles (or cash back) are very static in value. For example, miles generally equate to 1.5% back when redeemed at the 25,000 level. Rotating rewards like merchandise or bonus points make the equation much more difficult, since some purchases are rewarded with 0.5% and some are at 1.0% to 3.0%. Also, these rotating rewards generally have caps, which make it hard to truly maximize the value. Stable miles or cash back, though, have no caps and are very straightforward to understand.
    February 6, 2014
    Photo of Villanova Rambonicus
    Villanova Rambonicus
    I agree, I wish that I had more control over reward rotations. I use the Chase Freedom card, and I think it's a good card. It offers 5% cash back in rotating categories. But I don't always care about some of the categories, like Starbucks or Zappos. I wish that I could choose to always get 5% cash back from more useful things for me personally like gas stations or grocery stores.
    January 17, 2014
    Photo of Brandon H.
    By: Brandon Hellman
    I use the Chase Freedom card and greatly prefer cards that have a stable rewards system rather than a card that has changing rewards. It makes it much easier to keep track of what rewards you earn by using your card if they remain the same. With cards that have rotating categories for rewards, you have to keep checking up on what rewards you can earn. It can also make it so that you do not earn your full reward, because the category changes on you right before you hit that mark. That is why the Chase Freedom card is great, it gives you cash back and the categories do not change up on you.
    January 10, 2014
    Photo of Sarah M.
    By: Sarah Marshall-Switcher
    When I get a rewards card, there's really only one kind of reward I'm looking for- Cash. I don't really like cards with points- it's always kind of tricky to redeem them. This is why I like my Capital One Quicksilver Cash Rewards card- you get cash back which can be used everywhere, not just for airline tickets or gasoline.
    February 4, 2014
    Photo of Janet Burkhouse
    Janet Burkhouse
    Cash is a great thing, but you will doubtless spend much of it to buy stuff. Have you noticed that the cards that offer you consumer good are usually giving you a double discount? You get the cash back bonus, and then you get something you want at a great price.
    February 6, 2014
    Photo of Kyle Arnold
    Kyle Arnold
    I like my Chase Amazon Rewards card. I get points on my purchases that can be used instantly whenever I checkout on Amazon using my card. I don't have to wait to reach a certain point level for a reward either, which is nice.
    February 18, 2014
    Photo of Dion Phaneuf
    Dion Phaneuf
    I'm the same. I never end up with enough points to get anything of value. I much prefer getting the cash back because it's something that I can actually see and use. I've tried many points cards and barely liked any of them.
    January 9, 2014
    Photo of Hollie B.
    By: Hollie Baker
    I really look for rewards based cards that are actually going to pay off in the long run. I use my Fred Meyer credit card for everyday purchases. I get 2x the gas rewards and I get coupons in the mail that can be used as cash in store. I enjoy the perks of having a card with rewards. I think sometimes that people actually use cards just for the rewards and there is nothing wrong with that. :)