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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 April 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 $2,000 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 additional 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 participating 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 January 2015
    • 0% TRANSFERS until January 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
    • Earn unlimited 2X miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • 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 make $500 in 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 April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores.
    • 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.
    • No annual fee and rewards never expire.

     
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    3

    Capital One® QuicksilverOneSM Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until January 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 15.24% (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 3,700 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point elsewhere.
    • 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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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash 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 $100
    BASE EARN 1%
    MAX EARN 6%
    • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • 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.

     
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    4

    Sony Card from Capital One®

    sony credit card
    • 0% PURCHASES until February 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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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    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.


    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.)

     
    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 allowing 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. :)
    January 9, 2014
    Photo of Marci B.
    By: Marci Bushnell
    Another great way to utilize rewards is to build your lifestyle around the activities that would boost your rewards. The more you can gain the more worthy it becomes. Rewards can build up pretty easy if you let them.
    January 8, 2014
    Photo of Doug M.
    By: Doug MyVegas
    Overall cards that offer rewards from rotating categories do not seem to be nearly as valuable as ones that never change. I have always picked out my rewards cards based on how I can see using them to get the most benefits. For example, my Chase Freedom credit card is used to purchase gas because it allows me to earn the biggest benefit from it. If that category changed to say movies or certain food places, I would possibly go an entire month or quarter earning very little rewards, which would defeat the purpose of getting the card to begin with.
    January 6, 2014
    Photo of James L.
    By: James LeGrand
    I think the best way to utilize your rewards card is to use it. Use it everywhere. I use mine on everything from a drink to paying rent. The points will add up super quick.
    January 6, 2014
    Photo of Jason B.
    By: Jason Buonomo
    I tend to use my Navy Federal Credit Union Rewards card for monthly reoccurring items, such as gas, groceries, etc. Although it does cost me a little bit in interest every month, i pay off the card monthly and accumulate quick and easy points this way. Using this method, I generally earn a free 20-50 dollar gift card every other month, easily offsetting the $3 - $7 bucks I might rack up on interest if I forget to pay it right away.
    January 3, 2014
    Photo of Nicole B.
    By: Nicole Bedard
    While there are other major factors that I tend to look at when choosing a credit card, rewards such as cash back tend to be the biggest factor in choosing a credit card. My favorite rewards are the cash back rewards cards where you get bonus points for items that you purchase every day, and I particularly look for cards that offer double points as well. I also look for low apr's as well, because if the card has an apr that is too high, I will not use it because the fees are just too much. It would make the rewards not worth it in the end. My favorite card is the Sallie Mae Upromise Master Card because of its rewards program, its ease of use when redeeming points, the potential for double points, and the low apr.
    January 3, 2014
    Photo of Doug M.
    By: Doug MyVegas
    The best rewards card I have ever used is the Chase Freedom card. When I started looking for a good rewards card, I was surprised to see how poorly they stacked up to normal cards when looking at the interest rates and the annual fees. I like the fact that Chase Freedom gives you a percent cash back without having to jump through a lot of hoops. I wish they had more categories that gave you the higher percent back but do not expect all of my transactions to earn that much. I use it for my groceries, gas and food expenses each month and then pay it off. This is basically giving me free cash back because I would have bought those things either way.
    January 2, 2014
    Photo of Jane L.
    By: Jane Lill
    The most important factor to me when it comes to picking out a rewards card is the form of the reward. I like cash back, whether that be through a mailed check or a credit to your account. Interest rate doesn't concern me much because the rates of rewards cards tend to be higher than traditional cards. If you're going to come out ahead with a rewards card, you need to be paying your balance in full each month. My personal favorite rewards card is the AMEX Blue Cash card. I get a credit to my account once I have accrued enough in rewards and the customer service is excellent.
    December 27, 2013
    Photo of Chip S.
    By: Chip Song
    When it comes to rewards, I would definitely prefer a card that has a consistent rewards approach. This means that whenever I spend my money on an item, I know that I'm getting points back. One card that offers this is the Chase Freedom. However, I would call the Chase Freedom more of a hybrid rewards card with rotating categories for rewards with some consistent non-changing ones. The nice thing about Chase Freedom is that it gives a standard 1 point for every 1 dollar spent. The rotating feature would be the additional 5 points extra for rotating categories. This includes purchases made in Amazon, gas stations, restaurants, etc. These tend to rotate, which sort of makes it inconvenient, but I have found that I can adapt to it. Despite its rotating features, I have still managed to take good advantage of the consistent 1 point/$1 which I find to be its best feature. Overall, the Chase Freedom card is a great card.
    February 3, 2014
    Photo of Marina Moore
    Marina Moore
    I agree with this! I love being able to get rewarded for using my credit card, especially since I pay off the balance in about 3-5 cycles.
    December 21, 2013
    Photo of Elias J.
    By: Elias Johnson
    If you are looking for a rewards card I highly recommend the Chase Freedom - $200 Bonus Cash Back card. I have been using mine primarily for making gasoline purchases and I find that the rewards have helped a great deal. Almost all of my purchases get one percent cash back, and from some vendors you will receive up to five percent cash back. I find the rates to be very reasonable, and if you primarily make most of your purchases with your credit card then you can save a lot of money in the long run. I recommend giving this Chase card a try. It can't hurt to look at the terms and see if it is the right card for you.
    December 21, 2013
    Photo of Amy F.
    By: Amy Fisher
    I think rewards are important for a credit card, though there are other factors that I look at. A big annual fee would be a no go for me, even if the rewards were decent. A really high APR would also be another no go for me. The rewards wouldn't be worth it to me at that point. If those two things were good, and the rewards are good, I would definitely look at that as a good option to choose.
    December 18, 2013
    Photo of Rafael M.
    By: Rafael Maldonado
    I prefer to use credit cards whose rewards don’t change. I want to know exactly what I’m getting into and revolving rewards would not help out with my spending habits. My spending habits don’t change that much so a static reward program would be the ideal situation for me to be in.
    December 17, 2013
    Photo of David M.
    By: David Marcillo
    I think the best way to use a rewards credit card, in order to make the most of the rewards offered, is generally to stick with a "Cash Back" type reward structure. A lot of cards have specific rewards that can be redeemed, but I've noticed that a lot of times people will request reward items that they don't really need, just for the sake of being rewarded. On the contrary, everyone can always use cash, whether it be in the form of a bank deposit, a gift card, or a statement credit. This can help you to lower your bill each month which is much more useful than a set of monogrammed golf balls or towels. Also, making sure you have a card that works for you can help you to increase your chances at rewards. You like to travel? Get a card that offers more points for travel. You spend a lot of money on gas? Get a card that offers you more points per dollar on gas purchased. There is a card for everyone out there, and the way you use your rewards can really make the difference between an effective one and a waste of time.
    December 16, 2013
    Photo of Scott S.
    By: Scott Smith
    I had the option of getting a card with either my credit union or a Chase Freedom card. I opted to get the Chase Freedom because of the 0.0% introductory rate. My credit union gave me a cash back offer, but it was a horrible exchange rate, something to the effect of 1 point every $100 or something like that, I can't really remember it's been a while since they offered this. I opted for the low introductory rate because I needed to use it almost immediately for some larger purchases, and having a full year to pay it back was much more useful for me, than earning a few points I would probably never use.
    December 13, 2013
    Photo of Whåt F.
    By: Whåt Ford
    I have a Chase Freedom card and I liked the introductory 0.0% for a year offer (charged my kid's school tuition and am making payments to the card with no interest, rather than paying 15% interest to the school) but I don't really like the rotating rewards thing. They won't stop calling and e-mailing me with new rewards offers every few months. I can't keep track of when restaurants end and clothing stores begin, or whatever, so I end up just not using the card for this purpose. I have a couple of others where it's less cash back, but it's on everything, so I don't have to keep track. I much prefer it this way.
    December 10, 2013
    Photo of Dallas H.
    By: Dallas Hawkins
    The best way to use a rewards credit card is to use it for restaurant and gas purchases, as most rewards cards will give you double or triple points for using it at these places. As long as you can pay off the rewards card in full by the end of the month, I would just suggest using your credit card for EVERYTHING! Bills, groceries, rent, insurance, doctors, use it anywhere there isn't a fee for using credit cards. I pay $100 a month for my car insurance, and when I use my Bank of America Rewards credit card, I get 1% back on all purchases, so that's $1 right back in my pocket. Sure, it might not seem like much, but you get nothing back with regular credit cards.
    December 9, 2013
    Photo of Nicky K.
    By: Nicky Katt
    I LOVE the Chase Freedom card. First off, the no annual fee is great. Second, I love the variety of places and ways for getting bonus cash back, how it changes every few months. You get the base 1% cash back no matter what, but for a while you can get the 5% on gas, then on movies, then on groceries or whatever and I think it's EXCELLENT. I've had several types of cards with Chase over the years and they've always been great. This card was just a little extra awesomeness from them.
    December 4, 2013
    Photo of Jason B.
    By: Jason Budley
    Reward cards are great, but you have to be realistic about what you're going to buy with them. I love the store cards, but obviously only for stores where I use them. The amount of extra points I've gotten at Best Buy and other places is unbeatable, but I find travel cards to be rather useless since I never book flights. The Navy Federal nRewards card is a great all-around choice though, as it seems to give a solid return no matter where you make purchases.
    November 29, 2013
    Photo of Sarah M.
    By: Sarah Marshall-Switcher
    I'm a big fan of cards that offer cash back rewards instead of "points" or "Miles". I use my Capital One Quicksilver Cash Rewards Credit Card to rack up cash back and just leave it there until I have something in mind that I REALLY want, like a fancy dinner out with my husband. Cash back beats points hands down in my opinion, because you can spend it anywhere and it's not going to expire. Right now I'm saving up my cash back so that we can buy airline tickets.