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.

See offers from our partners below.

 APPLY ONLINE

Credit Needed
Excellent/Good
  • 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 per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
  • See complete Capital One® Venture® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0 intro for first year; $59 after that
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • 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 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 until June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • 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
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 06/2016
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    11.9% - 21.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, 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
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 03/2016
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 03/2016
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 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 details
 APPLY NOW

at Citi's
secure site

--OR--

Call Citi at
877-266-0895


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%*
    Purchases
    Intro APR Period
    12 months*
    Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    12 months*
    Regular
    APR
    12.99% - 22.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.
  • See complete American Express® Premier Rewards Gold Card details
 APPLY NOW

at American Express's
secure site

--OR--

Call American Express at
877-915-6387


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    N/A
    Annual
    Fee
    Introductory annual fee of $0 for the first year, then $195
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Excellent Credit
  • $100 online 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
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your 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. 3% fee (min $10) applies to balance transfers.
  • See complete MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 billing cycles
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 billing cycles for qualifying balance transfers
    Regular
    APR
    12.99% - 22.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days — that can be $100 towards travel purchases
  • Use your card to book your trip how and where you want — no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • See complete BankAmericard Travel Rewards® Credit Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-915-7732


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 billing cycles
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    14.99% - 22.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • No foreign transaction fees on purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Annual Fee: $95 (fee waived for the first 12 months)
  • See complete Citi ThankYou® Premier Card details
 APPLY NOW

at Citi's
secure site

--OR--

Call Citi at
877-317-7965


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    13.99% - 22.99%* (Variable)
    Annual
    Fee
    $95; fee waived for the first 12 months*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
N/A
  • 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
 APPLY NOW

at Capital One's
secure site

Credit Needed
N/A
  • Purchases
    Intro APR
    See Terms
    Purchases
    Intro APR Period
    See Terms
    Balance Transfers
    Intro APR
    See Terms
    Balance Transfers
    Intro APR Period
    See Terms
    Regular
    APR
    Various Rates
    Annual
    Fee
    See Terms
    Credit Needed
    N/A
 APPLY ONLINE

Credit Needed
Excellent Credit
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines and US Airways flights for you and up to four companions traveling with you on the same reservation*
  • Enjoy boarding privileges with Group 1 on American Airlines flights and Zone 2 on US Airways operated flights*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines and US Airways flights*
  • Double AAdvantage® miles on eligible American Airlines and US Airways purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
  • See complete Citi® / AAdvantage® Platinum Select® MasterCard® details
 APPLY NOW

at Citi's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    13.99% - 21.99%* (Variable)
    Annual
    Fee
    $95, waived for first 12 months*
    Credit Needed
    Excellent Credit
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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 news

Maximize rewards

7 ways to get
more from rewards

Tip No. 1: Align your rewards with your interests ... See Maximize rewards

How NOT to pay debt

Retailers trot out
'tiered' rewards

Higher spending levels yield richer rewards ... See Retail rewards

Tony Mecia, 'Cashing in" columnist

'Cashing In' column:
the latest on rewards

Weekly Q&A column looks at the latest rewards news ... See Cashing In


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