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Rewards Credit Cards

5.0 5.0 - 1 reviews for top rated card

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. Given the assortment of options that are available, it's understandable if you aren't quite sure which rewards card is right for you. We typically recommend cash back credit cards because they are straightforward and cash cannot be devalued. While many people are interested in travel rewards cards, most of us do not fly or stay in hotels often enough to maximize the value of such…show more

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 5% cash back
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
    • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 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% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • 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

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 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

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 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.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival world mastercard credit card with no annual fee
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% - 18.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1 - 2 miles/$1
    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel and dining and 1X miles on all other 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

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Barclaycard® Rewards MasterCard® - Average Credit


    barclaycard credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus None
    • Earn Rate 1 - 2 points/$1
    • 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.
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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.

    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.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    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.

     
    Oct 31, 2014
    By:
    Oct 31, 2014
    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 more
    Oct 29, 2014
    By:
    Oct 29, 2014
    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 24, 2014
    By:
    Oct 24, 2014
    My favorite kind of rewards credit card is a cash back card. I use Chase Freedom card and earn 5% cash back. I can use that money to pay off more of my credit card or get gift cards to various retailers. I’ve used other types of rewards cards like flight and hotel ones, but cash is still my favorite.
    Oct 21, 2014
    By:
    Oct 21, 2014
    I definitely believe that rewards are an important part of a credit card. I have credit cards that offer cash back rewards, flight and travel rewards, gas rewards, and shopping rewards. I am more motivated to use my credit card when I know that I will earn points towards travel, airfare, gift cards, dining out, and shopping. It also great to know that I can earn cash. I think this is what makes a card special and sets it apart from others.
    Oct 11, 2014
    By:
    Oct 11, 2014
    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:
    Oct 7, 2014
    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:
    Oct 4, 2014
    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 C.
    Dec 5, 2014
    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:
    Sep 10, 2014
    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, more
    Sep 1, 2014
    By:
    Sep 1, 2014
    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.
    Aug 27, 2014
    By:
    Aug 27, 2014
    I have the Chase cash back rewards card, and I really like it. It gives you a different percentage cash back on various categories that rotate and change every period. This cash really adds up, and you can use it to pay off the card or just deposit in your account. This cash is great, and you can buy things to reward yourself with, like clothes, furniture, or dog toys. Having a rewards option is very important to me when choosing a credit card.
    Aug 24, 2014
    By:
    Aug 24, 2014
    I use my VISA NFL rewards card all the time, I figure I deserve a few fun things and this card lets me have them without the money coming directly out of my pocket. I have had redeemed several thousand points for merchandise over the years and its always good quality stuff. Once, last year, I got free Club Level tickets to a playoff game! the company called me and asked if I wanted them....FREE!
    I will definitely be keeping this card, I truly love the rewards program.
    Aug 7, 2014
    By:
    Aug 7, 2014
    I like to keep it simple when it comes to rewards with my credit card. I have a basic Visa and it offers straight up cash-back rewards of 2%. It may not seem extravagant or mind-blowing, but it's simple and makes me feel appreciated. Sometimes that's all it takes to get my business, and the fact that it hasn't changed over 5 years helps to keep it. I've already cashed in a few times for small things like pizza on the weekend or a cool beer, but it's the little things that make life great.
    Jul 30, 2014
    By:
    Jul 30, 2014
    i like cash back rewards as well as rewards used on restaurants and traveling. At the moment I am frequently using my discover card which has great benefits around the holidays (obviously when people spend the most money.) You get a lot of money back from spending on bigger purchases like tv's, laptops, jewelry etc... I believe my AMEX card was pretty good to use when traveling abroad.
    Jul 25, 2014
    By:
    Jul 25, 2014
    Most of the major credit cards are owned by a few large corporations these days. In order for the smaller credit card companies to entice people to use their cards, they should offer rewards. My daily use card is my Bank of America Mastercard because I really love the rewards it offers. It just makes sense to get cash back for the items I purchase. I look at it as an advanced form of coupon clipping.
    Jul 15, 2014
    By:
    Jul 15, 2014
    Out of the available rewards offered on a card, I would strongly prefer that the rewards were not on a rotating category. The reason for this is that the rotating categories tend to fall into purchases that the average person would not make daily, such as flower arrangements. When the categories on a card don't change, it helps me figure out which card I could get the most use out of. If they offered rewards on practical items (groceries, gas), I would get the most benefit out of those cards.
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