Rewards Credit Cards - Reviews
Credit card rewards come in many forms — from miles to cash back to points — that can redeemed for a variety of goodies. Some cards offer large sign-up bonuses, others offer extra earnings on bonus categories. Some cards charge annual fees. All these differences can make it difficult to compare.
We’ve created a rating system to cut through the complicated details and compare cards on a similar basis. Our ratings take into account the estimated value of their rewards, the ease of redeeming rewards and special perks and benefits. Check out the offers below from our partners.
Gap Visa card
Last reviewed: December 29, 2022
Designed for devoted fans of Gap Inc. brand stores, the Gap Visa card bestows cardholders with 5 percent rewards and special savings opportunities at Old Navy, Banana Republic, Athleta and Gap — but, unfortunately, not much else.
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Kohl's Card
Last reviewed: April 7, 2025
Despite a paltry points system, regular Kohl’s customers can still save a considerable amount of money with the Kohl’s Card – but a steep APR puts cardholders at risk of having interest charges eat into their rewards and discounts.
Menards BIG credit card
Last reviewed: November 15, 2023
Despite the retailer’s catchy jingle, even the biggest home improvement enthusiasts are unlikely to save big money with the Menards BIG credit card.
Old Navy Visa card
Last reviewed: November 15, 2023
Fans of value-priced yet stylish clothes have the most to gain from the Old Navy Visa card, but the card’s paltry rewards on purchases outside of Gap Inc. stores leave much to be desired.
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JCPenney credit card
Last reviewed: March 5, 2021
With paltry rewards and a high APR, the JCPenney card is a poor choice for most cardholders, save for dedicated fans of the store who may appreciate the card’s special savings opportunities.
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Bank of the West Premier World Mastercard
Last reviewed: November 16, 2018
A good card for frequent travelers, the Bank of the West Premier World Mastercard offers a solid bonus on travel and restaurant purchases; but to avoid paying an annual fee, you need to have a Bank of the West checking account. This offer is no longer available.
Citi Hilton Honors Reserve card
Last reviewed: September 23, 2019
One of the best hotel cards on the market, the Citi Hilton Honors Reserve card showers cardholders with ample rewards on hotel stays, airfare and general credit card purchases and gives moderate spenders an extra free night’s stay each year. This offer is no longer available.
Fairmont Visa Signature card
Last reviewed: April 6, 2018
A great card for fans of luxury hotels and resorts, the Fairmont Visa Signature card makes it easy to earn upscale hotel stays by awarding some of the most generous bonuses available, including two free nights if you spend $3,000 in the card’s first three months and one free night a year if you spend at least $12,000. This offer is no longer available.
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Citi Hilton Honors Visa Signature card
Last reviewed: December 12, 2019
With a large sign-up bonus, flexible rewards redemption and one of the world’s largest hotel loyalty programs, the Citi Hilton Honors Visa Signature card offers good value, but holds less appeal for cardholders seeking rewards options outside of Hilton hotel stays. This offer is no longer available.
HSBC Platinum Mastercard with rewards
Last reviewed: September 10, 2020
With an anemic rewards rate and a middling APR, the HSBC Mastercard ranks near the bottom of our list of travel cards. This offer is no longer available.
PenFed Platinum Cash Rewards Visa card
Last reviewed: May 6, 2020
An outstanding card for PenFed credit union customers, the PenFed Platinum Cash Rewards Visa card pairs an exceptionally low interest rate with generous rewards on everyday purchases. This offer is no longer available.
First National Bank American Express card
Last reviewed: December 16, 2022
The First National Bank American Express card offers a high rewards rate on all your spending and a fair sign-up bonus, but the standout feature is the card’s ease of use: Your cash back is automatically credited to your statement whenever you earn $25. This card offer is no longer available on our site.