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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

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until March 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 Excellent, Good
    • 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 on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card

    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
    • 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
    • See All Reviews & Details About The Citi® Double Cash Card

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent, Good

    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 $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • 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.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival world mastercard credit card
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% or 18.99%
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles/$1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit.
    • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
    • See All Reviews & Details About The Barclaycard Arrival Plus™ World Elite MasterCard®

    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 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent, Good
    • 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 and there’s no limit to how many you can earn
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card

    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
    • 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 you 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 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • 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
    • See All Reviews & Details About The Chase Freedom®

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 2015No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Fair, Limited History

    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
    • 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
    • See All Reviews & Details About The Chase Sapphire Preferred® Card

    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
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    Ask our Experts

    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.

     
    Mar 19, 2015
    By:
    I think that credit card rewards are an important characteristic if you are looking for cash-back, travel miles, gas points, etc. However, if you would rather have lower-interest and lower annual fee(s) credit cards, then you will probably do better with a non-rewards card. Take your time in comparison shopping for the best of what your personal needs are. I have a Mastercard.
    Mar 15, 2015
    By:
    I know that there's people on both sides of the argument, as to whether cards with rotating rewards or cards that always offer the same rewards are better. For me, with the possible exception of airline miles, there's one and only one card reward that I'm interested in: cash back, and the more the better. That's why I use the PayPal Extras MasterCard. Aside from having no annual fee, I get double points from all PayPal and Ebay purchases. And cash back goes straight into my PayPal account, where I can use it to generate even more points.
    Mar 4, 2015
    By:
    I have the Chase freedom card, and I must say, it fits my lifestyle. Although some other cards do not have the rotating categories and have reward point percentages a bit higher, I find myself falling into Chase's categories all the time which makes up for that fact. Overall, the rotating categories is a nice feature if you find yourself with a lifestyle that rotates with you.
    Mar 1, 2015
    By:
    BEWARE!! BAIT AND SWITCH! AMEX is a scam! They do NOT provide reward points breakdown in any manner to the customer. They only way for you to know what you get back for points is to call and inquire about each purchase, they do not provide this for the customer to review online or on print out or in the statement! There is no way to verify you are getting the points they advertise!

    For example: I purchased an ipad from Apple, this is one of the "additional reward points retailers" that you are supposed to get 6% back for. When I called and did an online chat with amex they stated that I only received 1% because it was Paid for online at apple.com instead of in the actual store, even though I picked the item up AT THE STORE! Such a scam!! I spend thousands of dollars with the card and most points back was 1% even though the terms state otherwise. The places you can earn 6% back on are so few I can count them on 1 hand.

    Check out their terms here, even though I provided them with their terms they still refused! Many places will not take amex anyway! Your better off getting 2% for every purchase from other cc companies!
    Mar 2, 2015
    Photo of Margie C.
    Thanks so much for sharing. I'll take that into consideration! What type of card are you going to get now, if you don’t mind me asking?
    Mar 3, 2015
    Photo of Card H.
    Thanks for sharing your opinion. Check out our Amex Membership Rewards Review for tips on how to get the most value from your earnings: http://www.cardhub.com/edu/amex-membership-rewards/.
    Feb 27, 2015
    By:
    I currently have a US Bank Visa credit card and at first, I was very satisfied with the rewards program. However, the reward categories rotate once a quarter and it appears and the categories are not as good as they used to be. When I first signed up a few years ago, I got 5% cash back on utilities, gas, and bills. However, the US Bank card only offer 5% cash back on mainly items I do not spend a lot of money on: fast food, department stores, and restaurants. I have considered switching to a different provider that offers better categories and that do not rotate. I have a set budget and my budget does not change, therefore, I would prefer a credit card that does not offer rotating categories.
    Feb 28, 2015
    Photo of Joe W.
    If I were you, I'd consider the Citi Double Cash Card - 2% cash back on all purchases when you pay your bill in full.
    Feb 19, 2015
    By:
    I have the Chase Freedom Card and the Citi Dividend card, both have the 5% bonus categories. But I'm actually going to switch the Divided Card to the new Citi Double Cash card, because I think it would be simpler to have just a 2% cash back for all transactions, instead of keeping track of which categories are bonus categories. It seems at least half of the quarters are categories I have no interest in, I really only take advantage when it's gas or groceries. I will prefer the simplicity of just a 2% cash back rewards program when I make the switch, and I think in the long run I will get back more money.
    Feb 17, 2015
    By:
    The card that is the most rewarding to me is the Discover IT card which I use for daily expenses like groceries, gas, and some small bills. Thankfully, I receive 5% cash back on my purchases and this really adds up over the days and weeks. I really am grateful for the cash bonuses received for all of my latest purchases. Ultimately, this card is extremely useful when attempting to control your event-based spending such as holiday's and family events without giving poor, inexpensive gifts.
    Jan 8, 2015
    By:
    I lost my card what is the phone to call
    Jan 9, 2015
    Photo of Card H.
    It would be helpful if you mentioned which card you lost. Usually if you go to the card's website you can find a number you could call and ask what you should do now that you've lost your card.
    Oct 31, 2014
    By:
    I love the rewards I get from my Discover IT card. I use it for all my gas and grocery purchases every month. I can often get 5% cash back on my purchases, depending on the monthly specials. Sometimes you can get double bonuses if you make purchases at a particular retailer that is part of a special promotion. I get cash bonuses for all my purchases which I can use to get a gift card or spend the money on another item. Both possibilities have their merits but the gift cards are the best option for me.
    I generally get several different gift cards and give them out as gifts at Christmas time. It is a great way to control your holiday spending without holding back on your gift giving. It is also a quick and easy way to shop without going to the mall, which is never a bad thing. Giving these cards is a good way to take care of my teenage relatives because I have no idea what specific things to get them and they seem happy with the cards. It is a lot easier to get the name of a favorite store than to pick a specific gift.
    Oct 29, 2014
    By:
    I have couple of cash reward credit cards but those have pretty very high interest rates if I have a balance carried forward to next month. But i have a capital one quicksilver credit card which is a cash reward card and with 0% APR. What I can see that I get cash reward for whatever I purchase not even a single purchase I can point out which didn't give me cash reward. I am glad to have this card.So when you look for cash reward card you look for the one with 0% APR.
    Oct 11, 2014
    By:
    I think cash is the best reward a credit card can offer. It’s something everyone will like since you can buy anything with cash. I think gift cards from popular retailers would be good rewards as well. Amazon, Target, Walmart, Starbucks, Domino’s gift cards would be good rewards. I’m sure most people use these stores at some point.
    Oct 7, 2014
    By:
    When choosing a credit card, I always consider rates and rewards. I'm personally using the Discover It card as my primary rewards card because I like getting cash back for everything. They also run additional promos during the months where I can earn up to 5% cash back and it's really easy to use the cash back on websites like Amazon. So the reward and the convenience of using that reward are pretty important decisions for me.
    Oct 4, 2014
    By:
    I’m currently using the Discover IT card. I think I would prefer rewards from set categories that have a good variety. If they rotate, there may be some months where none of the rewards appeal to me.
    Dec 5, 2014
    Photo of Manda S.
    I agree, I definitely prefer rewards with set categories because I like knowing that the reward will always appeal to me. It would be rather useless, in my opinion, to sign up for a rewards card where the reward might end up being something you won't need or want.
    Sep 10, 2014
    By:
    I have several rewards cards that I use for a variety of purposes: For example, I like American Express Open for the 5% cell phone cash rebate. I like Discover Card IT for the 5% rebates that can be used to buy merchant gift cards. I like Chase Freedom for their 5% rewards program (which is often very similar to Discover's). Of course cash rewards are best but few cards offer that, so things like Discover are the next best thing to money, and maybe a little better since I can "buy" merchant gift cards there with the points, and get an additional 5% in gift card value too! Nice, if I like shopping at one of the merchants they are featuring at the time (the offers change from time to time without warning.)
    Sep 1, 2014
    By:
    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.
    Feb 5, 2015
    Photo of Odysseas P.
    The problem with those cards is that you need to sign-up every quarter and if you forget you only get 1% back.
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