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Rewards Credit Cards

Rewards credit cards provide a wide range of perks, from the points, miles or cash back you can earn on every purchase to free checked bags, airport lounge access and even Amazon Prime membership. We typically recommend cash back credit cards because they are straightforward and cash cannot be devalued. Whatever type of rewards card you decide to focus on (certain offers may originate from CardHub sponsors), don’t automatically rule out cards with an annual fee, as the best rewards deals often more than balance out the cost. Finally, it’s important to note that if you don’t pay your…show more

    3.5 2,413 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until July 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until July 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    3.5 474 reviews

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 2% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee
    • See All Reviews & Details About The Citi® Double Cash Card
    3.5 2,587 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until April 2016
    • 0% Transfers until April 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until April 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,099 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 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: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% 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.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express
    4 1,363 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 - 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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 per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card
    4 1,827 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • 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
    • Unlimited 1% Cash Back on every purchase
    • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
    • 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!
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See All Reviews & Details About The Chase Freedom®
    3 2,046 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until April 2016
    • 0% Transfers until April 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until April 2016
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 2,254 reviews

    Chase Sapphire Preferred® Card


    chase sapphire preferred
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 40,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 40,000 bonus points when you spend $4,000 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 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Additional Info
    • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
    • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
    • 24/7 direct access to dedicated customer service specialists
    • Introductory Annual Fee of $0 the first year, then $95
    • See All Reviews & Details About The Chase Sapphire Preferred® Card
    3 854 reviews

    Barclaycard® Rewards MasterCard®


    barclaycard credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
    • Additional Info
    • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    • No annual fee.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
    • See All Reviews & Details About The Barclaycard® Rewards MasterCard®
    4 959 reviews

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Get $150 back after you spend $1,000 in 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% 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 limitations apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Preferred® from American Express
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    Expert’s Answers

    Who should get credit cards with rewards?

    By: Odysseas Papadimitriou, CardHub CEOYou 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, CardHub CEOIf 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, Personal Finance EditorRewards 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, CardHub CEOEach 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, CardHub CEOTrying 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

    Ask a question or help others find the best rewards credit cards by sharing some tips.

     
    Jul 16, 2015
    By:
    I ended up choosing the rewards credit card I had based on the types of rewards they provided. I was most interested in rewards programs that offered cash back. While many cards I considered offered cash back, what ultimately led me to make my decision was a card which offered the best rate of reward to cash back.
    Jul 13, 2015
    By:
    I like cash back more than rewards for my credit card use. The best one I have found so far is a 2% across everything for my card. The card that I ended up choosing to use is the Fidelity Retirement Rewards Credit card. It is a really good card because you can get cash back directly into your account. You have to do it in $50 increments, but it's easy. It also good to consolidate all your accounts in one area to manage which I found very helpful. The APR is pretty good, but I always pay off my bill, so that is never a problem for me.
    Jul 6, 2015
    By:
    I believe that in the long run rewards cards can provide to significant savings. If these cards are used for routine purchases like business travel expenses, they are a means for accumulating points that can be used to save from the cost of an item like personal travel expenses or even cash back.
    Jun 30, 2015
    By:
    I am a frequent flyer and for people such as myself, miles can go a long way. Also, every time I use the miles that I accumulate for my trips, it helps me build a reputation with the airline that in of itself is another reward. If you are a person who doesn't have to travel much, points may be a could route for you to take, but if you do travel, the benefits of miles shouldn't be taken for granted.
    Jun 30, 2015
    By:
    I want to join the chorus favoring points over miles. The challenges of matching travel desires with mile accumulation just leaves too many gaps in satisfaction. I have obtained a 75 inch flat screen HDTV for my bedroom using points. My previous 75 inch projection TV failed and was not worth repairing. The roughly $4000 retail that I saved at that time was much more than miles would have given me off of airline tickets. I fly Southwest Airlines most of the time and select inexpensive fares.
    Jun 30, 2015
    By:
    I always go for the cards with points. Many cards offer triple points on everyday purchases, such as gas or groceries. Those are my favorite! I often find that my point totals are enough to pay my bill on months with a low cash flow. Of course, it is important to always look at your personal situation and other card variables. In my opinion, the interest rate and fees are far more important in my card selection than either points or miles.
    Jun 30, 2015
    By:
    Personally, I tend to prefer points over miles. In my opinion, it seems like miles programs are less generous than they used to be. Also, points can be redeemed for a wider variety of rewards. I can usually get good enough deals on travel if I try hard enough, but it's nice when I realize that I've accumulated enough points on my American Express account to get something that I know I'll use regularly for a long time (e.g. the Dyson vacuum cleaner I got 5 years ago).
    Jun 24, 2015
    By:
    The Chase Freedom credit card is currently offering a $200 bonus for new card holders as long as $500 is spent on purchases in the first three months. The card has some attractive features, such as no annual fee, 5% cash back on some purchases, and 1% back on all other purchases. In addition, there is a $25 for adding the first authorized user and making a purchase within the first three months. There is no earning limit, and the cash rewards don't expire. The only tricky thing about using the card is that the categories for the 5% reward change every three months, which can take a bit of getting used to.
    Jun 12, 2015
    By:
    I have been using my Chase Slate credit card for 4 years and it has always been of great use for me. Since I do not have to additionally pay for late fees, I have saved much money by using this card. I recommend it to anyone that has a hard time paying late fees. It can really be a life savor in difficult times. There are also no annual fees, but if you want to receive rewards I recommend a different card. And I also do not recommend this card if your credit is bad.
    Jun 9, 2015
    By:
    For me, the choice between miles or points and good old American greenbacks has been simple. Miles and points are worth whatever the issuing company wants them to be worth and they can devalue them whenever they desire or even on a whim. I've never personally witnessed a company actually adding value to your per mile worth. But, if it's money you get back, at least you can quantify what it is you're actually receiving. For this reason, and this reason alone, I have always and will always opt for the cash back option when given a choice.
    Jun 6, 2015
    By:
    I signed up for the Delta Skymiles Gold American Express card for the 50,000 bonus points. I have to say that it was well worth signing up for the card. I was able to add the bonus points to some other Delta miles that I had, and I used those to pay for half of my wife's trip to China. The fact that this is an American Express card is also important to me, because Costco only accepts American Express credit cards. This means that I don't have to miss out on valuable miles while shopping at Costco.
    Jun 5, 2015
    By:
    I've been using the Chase Freedom rewards card for over 10 years now. I decided to get one of these because my then-current card didn't have a rewards program, and my brother had been using the CF card for a while and really liked it - he told me that he used the card for almost all of his spending, paid the balance off in full every month, and ended up getting $30-40 back every month. That sounded pretty solid to me, so after checking out the fine print, I applied for a CF card of my own. I do the same thing that my brother was doing, and now that I'm married and my wife has a card under the same account, the monthly rewards are even better. I like that there's no annual fee - that was a must - so between that and the nice monthly reward, this card was a solid choice.
    May 28, 2015
    By:
    A rewards credit card truly only provides significant savings if you use it for significant purchases and if you pay it off in full every month, so as not to incur interest charges. Even if certain categories provide double or triple points, the savings often only end up in a slight discount. For example, I used my Amazon rewards credit card to buy $8 worth of gas today. Even though I get 2% back, that is really only 16 cents.

    Also, some credit card rewards points expire after a period of time, so if you are thrifty about how you use the cards, you might lose the benefit of your rewards, particularly if there is a minimum redemption amount.

    Overall, if used carefully, there can be some savings, but not enough to make the benefits of many programs more than incidental.
    May 28, 2015
    By:
    I believe that an awards credit card can provide some savings but not a significant amount unless you are a big shopper and will actually shop at the places that the rewards card is offering.
    May 26, 2015
    By:
    I use my credit card for my grocery expenses every month, I then pay the balance in full at the end of the month in order to build my credit in a healthy way. I may start using the credit card for all of my usual purchases. I am not sure that I trust myself enough to do that just yet however.
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