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Thursday, October 23rd 2014

Reward Credit Cards

The following reward credit cards from our partners feature either cash back or rewards programs. Rewards Program Credit Cards "reward" you for using them with cash back incentives and rebate programs.

Capital One® Venture® Rewards Credit Card
Email offer
Capital One Venture Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-779-3955

Capital OneŽ Venture<sup>SM</sup> Rewards Credit Card
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 13.9% - 20.9% (V) $0 intro for first year; $59 after that Excellent/Good

Capital One® VentureOne® Rewards Credit Card
Email offer
Capital One VentureOne Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-799-2845

Capital One VentureOne Rewards Credit Card
  • Earn unlimited 1.25 miles on every purchase, every day
  • Pay no annual fee or foreign transaction fees
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until November 2015; 11.9%-19.9% variable APR after that
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
  • See complete Capital One® VentureOne® Rewards Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 11/2015 N/A N/A 11.9% - 19.9% (V) $0 Excellent/Good

Capital One® Quicksilver® Cash Rewards Credit Card
Email offer
Capital One Quicksilver Cash Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-812-7376

Capital One Quicksilver Cash Rewards Credit Card Application
  • 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
  • 0% intro APR on purchases until August 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until August 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker—the free way to easily monitor your monthly credit score anytime, anywhere
  • See complete Capital One® Quicksilver® Cash Rewards Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 08/2015 0% Until 08/2015 12.9% - 22.9% (V) $0 Excellent/Good

Chase Sapphire Preferred® Card
Email offer
Chase Sapphire Preferred Card

At Chase's
secure site

Chase Sapphire Preferred Card Application
  • 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 RewardsSM.
  • 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
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
  • See complete Chase Sapphire Preferred® Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.99% (Variable) Introductory Annual Fee of $0 the first year, then $95. Excellent Credit

Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points
Email offer
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

At Citi's
secure site

--OR--

Call Citi at
877-266-0895

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points  Application
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • See complete Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 months* 0%* 12 months* 12.99% - 22.99%* (Variable) $0* Excellent Credit

BankAmericard Cash Rewards™ Credit Card
Email offer
BankAmericard Cash Rewards Credit Card

At Bank of America's
secure site

--OR--

Call Bank of America at
877-831-6028

BankAmericard Cash Rewards Credit Card Application
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 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, 12.99% - 22.99% variable APR
  • See complete BankAmericard Cash Rewards™ Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 billing cycles* 0%* 12 billing cycles for qualifying balance transfers* 12.99% - 22.99% Variable* on purchases & balance transfers $0 Excellent Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card
Email offer
Capital One QuicksilverOne  Cash Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-819-6467

Capital One QuicksilverOne  Cash Rewards Credit Card Application
  • 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
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until August 2015; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® QuicksilverOne® Cash Rewards Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 08/2015 N/A N/A 22.9% (V) $39 Fair Credit

Citi ThankYou® Preferred Card
Email offer
Citi ThankYouŽ Preferred Card

At Citi's
secure site

--OR--

Call Citi at
877-321-5732

Citi ThankYouŽ Preferred Card
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • See complete Citi ThankYou® Preferred Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 15 months* 0%* 15 months* 12.99%-22.99%* (Variable) $0* Excellent Credit

BankAmericard Travel Rewards® Credit Card
Email offer
BankAmericard Travel Rewards Credit Card

At Bank of America's
secure site

--OR--

Call Bank of America at
877-915-7732

BankAmericard Travel Rewards Credit Card Application
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don't expire
  • Bank of America customers: Get an annual 10% customer points bonus on your total purchases when you have a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • See complete BankAmericard Travel Rewards® Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 billing cycles* N/A* N/A* 14.99% - 22.99% Variable* on purchases & balance transfers $0 Excellent Credit

Capital One® Card Finder Tool
Email offer
Capital One® Card Finder Tool

At Capital One's
secure site

Capital One® Card Finder Tool
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are—to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management—right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want—by check, online, or at a local branch
  • See complete Capital One® Card Finder Tool details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
See Terms See Terms See Terms See Terms Various Rates See Terms N/A


Tips for choosing a rewards credit card

A rewards card can be a great choice for the right kind of cardholder. After all, who doesn't love a gift?

You can earn free airline tickets, hotel stays, cash back, gift cards, even novelty vacations -- there's no shortage of potential perks awaiting a rewards cardholder. It's a wonderful way of capitalizing a bit on your average monthly spending. It's also a slippery slope, if you're not careful.

To take full advantage of a rewards card, choose one that caters to your buying taste. A standard rewards card may earn you 1 point for each dollar spent on any purchase at a redeemable rate of one penny per point. In other words, if you spend $1,000, you earn 1,000 points, or $10 in cash back or discounts. Specialty rewards cards will yield more points on certain items, however, and could be a better option if you're looking for one area of savings. Do you love traveling? An airline credit card earns more points for buying plane tickets. Do you drive a lot? Consider a gas card for more points on gasoline purchases. If you love shopping, consider a card with bonus points on your favorite merchandise.

Before choosing any rewards card, however, consider your credit card tendencies: Are you someone who regularly pays the full monthly balance, or do you carry a balance from month to month? In general, you'll have a slightly higher interest rate with a rewards card than you would with a typical credit card, so it's an important distinction. If you have good credit but occasionally carry a balance, consider a low-interest credit card instead. You don't want to lose money by chasing pennies in rewards while you're bleeding dollars in the form of hefty interest payments.

Many people use rewards cards exclusively, both to build up points faster and avoid the possibility of losing a card due to inactivity. Be sure to redeem points regularly as well. There's often an expiration date on when you can apply them on cash back or discounts, and companies can merge or go out of business, potentially taking your rewards with them. Remember that unclaimed rewards points aren't your property -- they're only a theoretical asset until you redeem them.

In comparing rewards card, consider ones with the biggest sign-up bonus and carrying the fewest strings. Watch out for the spend requirements: It has become common for card issuers to impose minimum spending requirements, so that sign-up bonus points are redeemable only after spending a certain amount in a certain time. Can you afford it? If you're considering a card with an annual fee, do the rewards outweigh the fee?

In short, you'll want to look for the card with the most-generous redemption scheme that fits your lifestyle. We all love gifts, but some we like a lot more than others.

More rewards card news


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* See the online reward credit cards application for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.


 
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