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Monday, September 1st 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.

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
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® 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
  • 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
  • No annual fee
  • 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
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 11.9% - 19.9% (V) $0 Excellent/Good

Capital One® Venture® Rewards Credit Card
Email offer
Capital OneŽ Venture<sup>SM</sup> 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
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
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® 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
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred
  • No annual fee
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 05/2015 0% Until 05/2015 12.9% - 22.9% (V) $0 Excellent/Good

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
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

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*
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

Visa® Black CardTM
Email offer
Visa Black Card

At Visa Black Card's
secure site

Visa Black Card Application
  • Made of Stainless SteelSM
  • An Industry-Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Unlimited VIP Airport Lounge Visits
  • Members Only - Black Card Magazine
  • Luxury Gifts from the World's Top Brands
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 14.99% (Variable) $495 Excellent Credit

Gold Delta SkyMiles® Credit Card from American Express
Email offer
Gold Delta SkyMiles Credit Card from American Express

At American Express's
secure site

--OR--

Call American Express at
877-915-6955

Gold Delta SkyMiles Credit Card from American Express Application
  • Limited Time Offer: Earn 50,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months.
  • Earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
None None None None 15.24% - 19.24% Variable $0 intro annual fee for the first year, then $95 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
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

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
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until May 2015
  • 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
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 05/2015 N/A N/A 22.9% (V) $39 Fair Credit


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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