Rewards card reviews

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.

Learn more about our ratings process

Barclay Choice Privileges Visa Signature card review

Barclay Choice Privileges Visa Signature card

3.5 rating

A good choice for cardholders who want an easy way to earn free travel, but don’t want to pay an annual fee, the Choice Privileges Visa Signature card offers a large enough sign-up bonus to fund several nights at a budget-friendly Choice hotel, such as Comfort Inn, and an above average rewards rate on regular purchases.

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KeyBank Key2More Rewards credit card review

KeyBank Key2More Rewards credit card

2.3 rating

With a decent APR and a higher-than-average rewards rate, the Key2More Rewards MasterCard sounds like a great deal; but when you add up the value of the card’s inflated rewards points, you’ll find this card isn’t as generous as it seems.

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First Citizens Rewards Visa card review

First Citizens Rewards Visa card

1.6 rating

If you plan to carry a balance and your credit is strong enough to qualify for the card’s lowest available rate, you may get some value out of this low-earning rewards card; but you can almost certainly get better rewards at a comparable cost from other cards.

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BB&T Spectrum Rewards credit card review

BB&T Spectrum Rewards credit card

2.6 rating

The BB&T Spectrum Rewards card does not offer the highest rewards rate, but it can help cardholders looking to save on fees since it comes with no annual fee and a 12-month intro APR.

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Starwood Preferred Guest American Express Luxury Card review

Starwood Preferred Guest American Express Luxury Card

2.8 rating

The Starwood Preferred Guest American Express Luxury card offers a lot of value in its first year thanks to a giant introductory bonus, but – if you’re not interested in luxury perks with Marriott hotels – you can find many rewards cards that offer better ongoing value.

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PayPal Cash Back Mastercard review

PayPal Cash Back Mastercard

2.8 rating

Though the PayPal Cash Back Mastercard offers good rewards rate, cardholders who are not regular PayPal users may find the redemption options too cumbersome.

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Macy's American Express card review

Macy's American Express card

2.8 rating

Savvy shoppers who never miss a Macy’s One-Day Sale have the potential to win big with the department store’s co-branded American Express card, but an unsurprisingly high APR means less disciplined cardholders could find themselves in trouble when carrying a balance from month to month.

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The Platinum Card from American Express review

The Platinum Card from American Express

2.3 rating

 The $550 annual fee might set your head spinning, but the massive list of perks and benefits that comes with American Express’s top-of-the-line luxury card offers plenty of value. (See rates and fees)

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First National Bank American Express card review

First National Bank American Express card

2.8 rating

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.

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BMO Harris Bank Premium Rewards Mastercard review

BMO Harris Bank Premium Rewards Mastercard

3.2 rating

Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the card’s $79 annual fee.

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Synovus Cash Rewards Visa review

Synovus Cash Rewards Visa

2.2 rating

The rewards rate on the Synovus Cash Rewards Visa is average, though it does give cardholders a good opportunity to maximize cash back on gas, grocery and restaurant purchases, thanks to its quarterly rotating bonus.

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State Farm Rewards Visa review

State Farm Rewards Visa

2.1 rating

The State Farm Rewards Visa encourages responsibility by making it easy for cardholders to put their rewards toward a mortgage or insurance payment, but its lackluster rewards scheme falls short of its competitors.

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