Reward Credit Cards

Whether it's points, miles or cash back, a great rewards card puts extra money in your pocket. Our list of the latest offers makes it easy to find the one that's right for you. Many come with no annual fee and introductory rates and bonuses. Review this listing of offers from our partners and click to apply securely at their website.

See offers from our partners below.

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 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, 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 won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today
  • See additional Capital One® Venture® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.74% - 23.74% (Variable)
    Annual Fee
    $0 intro for first year; $59 after that
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it® Cashback Match™ details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.74% - 23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent Credit
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Reserve℠ details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.74%-23.74% Variable
    Annual Fee
    $450
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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
  • Enjoy a low intro APR on purchases for 12 months; 12.74%-22.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.74% - 22.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • No annual fee
  • New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional BankAmericard Cash Rewards™ Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-831-6028


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.74% - 23.74% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Preferred® Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.74% - 23.74% Variable
    Annual Fee
    Introductory Annual Fee of $0 the first year, then $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • New! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Cash Wise Visa® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.99%-25.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Limited Time Offer - Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
  • Get another Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases and 1 mile for every $1 spent on all other purchases. No foreign transaction fees.
  • There are two types of cards: the Visa Signature® card and the Platinum Plus® card. The card you receive will be determined by several factors including your income and credit history.
  • The benefits and bonus miles above apply to Visa Signature cards only. The Annual Fees, benefits and bonus miles for Platinum Plus® cards are different.
  • For more information on the differences, see the Features section accompanying the application.
  • See additional Alaska Airlines Visa Signature® Credit Card details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 19.99% Variable APR on purchases and balance transfers
    Annual Fee
    $75
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • New Offer: $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.74% - 23.74% variable APR. 3% fee (min $10) applies to balance transfers
  • See additional MLB™ BankAmericard Cash Rewards™ Mastercard® details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Intro APR for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.74% - 23.74% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 30,000 bonus points after spending $3,000 in purchases within the first 3 months of account opening*
  • 30,000 ThankYou® Points are redeemable for $375 in airfare on any airline, anytime with no blackout dates or $300 in gift cards
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline and hotel loyalty programs
  • No Foreign Transaction Fees on purchases
  • See additional Citi ThankYou® Premier Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
866-832-9922


Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.49%-24.49% (Variable)
    Annual Fee
    $95, waived for first 12 months*
    Credit Needed
    Excellent Credit
Show More Results


Compare Rewards Credit Card Offers

Updated: June 1, 2017

Card Welcome Bonus Bonus Requirement Rewards Rate
Capital One® Venture® Rewards Credit Card 40,000 Miles Spend $3,000 on purchases within 3 months from account opening Unlimited 2X miles per dollar on every purchase, every day
Discover it® Cashback Match™ Automatically match all the cash back you earn at the end of your first year (new cardmembers only) Automatic Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate

Unlimited 1% cash back on all other purchases
Chase Sapphire ReserveSM 50K Bonus Points Spend $4,000 on purchases in the first 3 months from account opening 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Capital One® VentureOne® Rewards Credit Card 20,000 Miles Spend $1,000 on purchases within 3 months from account opening Unlimited 1.25 miles per dollar on every purchase, every day
BankAmericard Cash Rewards™ Credit Card $150 Online Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
Chase Sapphire Preferred® Card 50,000 Bonus Points Spend $4,000 on purchases in the first 3 months from account opening 2X points on travel and dining at restaurants worldwide

1 point per dollar spent on all other purchases
Wells Fargo Cash Wise Visa® Card $200 Cash Rewards Bonus Spend $1,000 in the first 3 months Unlimited 1.5% cash rewards on virtually every purchase

1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
Alaska Airlines Visa Signature® Credit Card 30,000 Bonus Miles and a companion fare from $121 ($99, plus taxes and fees from $22) Make $1,000 or more in purchases within the first 90 days Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America & 1 mile for every $1 spent on all other purchases
MLB™ BankAmericard Cash Rewards™ MasterCard® $150 Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
Citi ThankYou® Premier Card 30,000 Bonus Points Make $3,000 in purchases with your card in the first 3 months the account is open 3 ThankYou® Points per $1 spent on Travel, including Gas

2 ThankYou® Points per $1 spent on Dining Out & Entertainment

1 ThankYou® Point per $1 spent on other purchases

Rewards programs are great for maximizing the value of your spending in a way that best suits your lifestyle. Unsure where to start? We’ll walk you through the types of rewards cards, what makes them so awesome and potential drawbacks.

You can also check out our rewards credit card reviews to get a more detailed look at what each card has to offer.

What is a rewards credit card?

A rewards credit card is a product that gives you financial benefits for card loyalty. They often have signup bonuses and offer points or miles back for spending on certain types of purchases. Card issuers benefit from transaction fees merchants pay when you make a purchase. They also benefit if you carry a balance, which means you are paying interest fees.

You actually want to avoid carrying a balance, though, because otherwise, you undo any benefits the card offers you. So, if you use your rewards card to buy $500 in clothes, and you get 2X points back for your spending, you'll get $10 back. Easy money, right? But then, if you pay the minimum each month on the $500 at a rate of 17% APR, it will take you 24 months and you will pay $92 in interest charges. So, instead of making $10, you spent more than $80 you could have used on groceries or other expenses.

You also want to make sure you spend enough (without incurring debt) to get the full benefit of the card.

For example, after your first year with the Chase Sapphire Preferred, you'll pay a $95 annual fee. If you spend $4,000 on dining, that comes to 8,000 points, because travel and dining at restaurants worldwide get you 2X points for every dollar. If you use those 8,000 points in the Chase Ultimate Rewards portal on travel, they become $100 in redemption. If you plan to spend less than $4,000 on dining, the card isn't worth it for you, because you will not have cleared the annual fee hurdle, assuming you do no other spending.

So, think about how you'll use your rewards card before applying.

How do rewards work on a credit card?

Rewards on a credit card can work as cash back, statement credit or through a portal, and can be used for redemption in travel or shopping.

Say you take out a Barclaycard Arrival Plus. You'll get 50,000 miles after a $3,000 spend in the first 3 months of card membership, which turns into $500 in travel. Here's how it works: Once you make a travel purchase with the Arrival Plus, you'll choose your redemption through a travel portal and get a statement credit. Your rewards don't expire, but you have 120 days to redeem a travel event from the day it posts.

Other cards, such as the Chase Sapphire Preferred, offer a portal that you redeem through, in this case, the Chase Ultimate Rewards. It's actually to your advantage, because the points you've earned get 25% more value through the portal.

Another way to use rewards points is through a shopping portal, such as Discover Deals, which allows you to get cashback bonuses or money off your purchases. Through these portals, you can shop for clothing, gifts, health and beauty aids, travel and more.

Types of credit card rewards

There are actually a number of different types of rewards credit cards, including cash back, hotel and airline loyalty cards, and even retail. In fact, more than 60% credit cards issued in the U.S. are tied to a rewards program. Here are some different types of rewards cards:

  • Rewards Points — Rewards date back to S&H Green Stamps, which were popular from the late 1800s until the early 1980s. The stamps were earned with purchases at gas stations, supermarkets and elsewhere, then redeemed for products featured in the S&H catalog. Today, rewards cards are a catch–all for cash back, travel, hotel and airline, and gas cards.
  • Gas — Also called fuel cards, this product dates back to the 1920s when their primary purpose was convenience. With the advent of rewards cards that also reward you for groceries, wholesale clubs and restaurants, cards like the Blue Cash Preferred have all but replaced the gas credit card. That said, gas cards like the ExxonMobil Gas Card reward you for $.06 on the gallon and only require fair credit.
  • Airline miles — Frequent flier programs became popular in the 1980s. You can choose between a single loyalty card, such as Chase's Southwest Rapid Rewards Plus and a card with multiple airline partnerships, such as the Chase Sapphire Preferred.
  • Hotel — A version of the airline loyalty card, this type of card product is good for the consumer who has a favorite hotel brand. Because hotel partnerships are so large today, you can access hotels in the hundreds with a single card. For example, The Hilton Honors Card from American Express allows you access to more than 540 properties in 78 countries.
  • Cash back — Originating in 1986, Discover developed its products as a way to give money back at the end of the year based on the amount of charges. The cashback product has expanded to cards that give cash back in statement credits, checks and deposits in bank accounts. Cash back can be 1%–2% back for everything or for quarterly categories, which typically have a greater reward.
  • Retail — Sometimes called co–branded cards, this product is a type of loyalty card that is tied to department stores or other brands. For example, the Toys R Us Store Card offers 15% off your first purchase and 8% back on regular rewards.

Do credit card reward points expire?

Credit card reward points can expire, but increasingly, as long as you keep your account open and active, the points won't expire. Read the fine print, because you don't want to be in a rush to use your points because they are about to expire. Often, however, as long as you make a small charge each month, those points will be there for you when you need them. Just be sure to pay in full and on time, because carrying a balance negates those points you've collected, and by paying on time, you are building your credit.

Drawbacks to rewards cards

From incurring additional debt to impacted credit, there can be drawbacks to rewards credit cards. On the plus side, you can earn cash back and other rewards for using your rewards card. On the downside, you can end up owing more than you can pay off or even harming your credit. Here are possible drawbacks to rewards cards and what you can do about them:

  • Annual Fee
    Many rewards cards carry an annual fee. While that isn't necessarily a drawback, you want to plan out the use of your new card to make sure you will benefit in the long run if it has an annual fee. Say your card has an annual fee of $89 and you get 2X points back on all purchases. That means you want to make sure you will spend at least $4,500 for the year on your card if the redemption is $.01 for every point. Here's how it works: You spend $1,000 a month on your card, using it for groceries, gas, clothes and other expenses. That comes to $12,000 for the year or 24,000 points or $240. After the annual fee of $89, you have $151 left over, making it worth your while to take out the card. Bottom line: Make sure you know if you will earn more points than needed to pay the annual fee.
  • Carrying a Balance
    Carrying a balance can be a detriment to rewards cards. Here's why: Say you have a $3,000 balance on your card, but you can only pay the minimum. That means if the card's APR is 17%, it will take you 126 months and you will pay $2,241 in interest fees. If you spend $10,000 a year on your card, even if you are paying it off as you go, but still are paying the minimum on that $3,000, your rewards will be less than the interest owed, because of that annual fee of $89. In 10 years, you can earn $2,400, but the annual fee comes to $890, meaning the amount earned is far below the amount spent on interest fees and annual fees. Bottom line: Don't incur a balance on your rewards card. Only use the card for expenses you can pay back at the end of the month.
  • Late Payments
    It can be tempting to use your rewards card with wild abandon because of the benefits of points earned. But never spend more than you can afford, and pay in full and on time each month. Why? Because if you are late on your account, that is reported to the credit bureaus, and ultimately, it is reflected on your credit score. In fact, history of on–time payments is the most important aspect of your FICO credit rating, making up 35% of your score. (FICO is the scoring model most used by lenders.) Bottom line: Pay in full and on time each month to maximize your rewards and to build your credit.

Do debit cards have rewards programs?

Debit cards can have rewards programs of up to $.10 back, but fees vary widely. For example, Discover offers $.10 cash back on debit purchases, up to 100 transactions per month, but no monthly fee, allowing you to earn up to $120 a year. However, Green Dot gives out 5% back on all purchases, up to $100 annually, but there is a $9.95 monthly fee and there are other charges.

A debit card is really more for convenience, and it won't improve your credit. You might want to opt instead for a secured credit card, in which you pay a deposit in exchange for a few hundred dollars in available credit. Just make sure that the card issuer reports your good payment habits to the credit bureaus so that you are building your credit. And pay in full and on time each month. Once you've built up your credit with your secured card, you can apply for rewards credit cards and really enjoy the rewards benefits of a financial product.

How to compare rewards credit cards

When you compare rewards credit cards, look at annual fees, bonus signups and other factors.

  • Annual fee — There is no reason to run from an annual fee, but you want to make sure you will earn more than the cost of the fee. Look at the annual fee as a tradeoff. A higher one, above $100, may offer luxury benefits, such as access to airport lounges. Under $100 may mean that you get generous points back, such as 2X points back on everything.
  • Bonus signups — All bonus signups aren't equal. For example, a 60,000–point bonus could be actually worth less than $600, and a 50,000–point bonus could translate into more than $600. Here's the deal: Research the card's rewards system before committing.
  • Rewards benefits — Some cards offer higher points for specific categories, such as 2X for travel and restaurants, while others reward you for all purchases with a 1.5X– or 2X–point benefit. Look at your spending the previous year to figure out how you'll use your card.
  • Fees — While you don't want to carry a balance on your rewards card, be mindful of the APR rate. Likewise with the late fee – you don't want to be late, but check it out just in case. Also, note the foreign transaction fee, and if you are planning to transfer a balance, check to see if there is a balance transfer fee and the terms of the transfer. Many rewards cards don't have a foreign transaction fee, so be sure to check.

Once you've checked out the different aspects of several rewards cards, figure out which one you are most likely to use most often. You want a product that will be your go–to card. If you travel a lot, you might want to choose a rewards card that doubles as a travel card. If you have the potential to spend a lot on your card, but in a variety of ways, a card that offers a flat rate may be the best choice.

Are credit card rewards taxable?

Rewards on your rewards credit card are not taxable, although signup bonuses to bank accounts can be.

"Rewards and airline miles that are provided in connection with a purchase on a credit card are routinely not subject to individual income tax reporting," a Citi spokeswoman told CreditCards.com

On the other hand, "When a customer receives a gift for opening a bank account –– whether cash, a toaster or airline miles –– the value of that gift is generally treated as income and subject to tax reporting. This is separate and distinct from miles or points earned by our credit card customers for their purchases," the Citi spokeswoman said.

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