Reward Credit Cards

Whether it's points, miles or cash back, the best rewards card puts extra money in your pocket. Many come with no annual fee, low introductory rates and sign-up bonuses. Our list of the latest offers from our partners makes it easy to find the one that's right for you. Then, just click to apply!

See offers from our partners below.

 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 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 won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today
  • See additional Capital One® Venture® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99% - 23.99% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See additional Blue Cash Everyday® Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6432


Credit Needed
Excellent, Good
  • Purchases Intro APR
    See Rates and Fees for See Rates and Fees
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Preferred® Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.99% - 23.99% Variable
    Annual Fee
    Introductory Annual Fee of $0 the first year, then $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.99% - 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See additional Premier Rewards Gold Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6387


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

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional Bank of America® Cash Rewards Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-831-6028


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.99% - 23.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
  • See additional The Platinum Card® from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
888-851-4804


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    $550
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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 for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 22.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.99% - 24.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% 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%
  • See additional Bank of America® 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/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 12 billing cycles
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.99% - 23.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
Show More Results


Comparing Rewards Credit Card Offers

Updated: December 1, 2017

CreditCards.com's Top Rewards Credit Cards of December 2017 are:

  • Capital One® Venture® Rewards Credit Card - 50,000 Miles Bonus
  • Blue Cash Everyday® Card from American Express - $150 Bonus
  • Chase Sapphire Preferred® Card - 50,000 Bonus Points
  • Discover it® Cashback Match™ - double cash back for the first year
  • Premier Rewards Gold Card from American Express - 25,000 Bonus Points
  • Bank of America® Cash Rewards Credit Card - $150 Online Cash Rewards Bonus
  • The Platinum Card® from American Express - 60,000 Bonus Points
  • Capital One® VentureOne® Rewards Credit Card - 20,000 Miles Bonus
  • Chase Freedom Unlimited® - $150 Bonus
  • Bank of America® Travel Rewards Credit Card - 20,000 Online Bonus Points

Rewards programs are great for maximizing the value of your spending in a way that best suits your lifestyle. Rewards cards come in a variety of types, all with their own advantages. Whether you want cash back or a travel card with a strong brand, a business card or a great general product, rewards cards offer excellent benefits, including points or miles, cash back, access to airport lounges, shopping portals and more.

Here, we look at:

  • What are points on a credit card?
  • How do you maximize your credit card points?
  • How to redeem your credit card points
  • What type of rewards credit card is right for me?

Find out more about maximizing your rewards benefits:

What are points on a credit card?

Points, sometimes called miles, on a credit card are designed to reward you for using the card or for loyalty to a brand. You can earn points through different types of spending, including general spending, restaurants and world travel, or shopping with a hotel or airline brand. Often, you can get boosted points for specific types of spending, 3X points and more. Points can be valued at below $0.01 and above $0.02 upon redemption, depending on the card. They can be redeemed for travel, shopping and more.

How do you maximize your credit card points?

  1. Choose carefully. To use a rewards card successfully – and the points or miles – you’ll need to find the right card for your lifestyle. Do you travel often? Are you a big grocery shopper?
  2. Calculate. Calculate how much you’ll spend, making sure you will at least recoup the annual fee.
  3. Make it your go-to card. See if you can pay your rent, insurance and utilities with it, but make sure there are no convenience fees. Buy your groceries with it, and pull it out at restaurants.
  4. Don't spend just to earn cash back or points. Only use it to buy what you were going to purchase anyway.
  5. Pay in full. If you can’t pay it off in full each month, there’s no point in acquiring it. The interest fees will overshadow any cash back or points you’ve earned.
  6. Never go over the limit or pay late. These are wasted dollars.
  7. Use shopping portals. Frequently check for deals. Just make sure you are fully rewarded for using points or miles. Some cards don’t reward you for the full amount with their shopping portals or gift cards.

How to redeem your credit card points

  • Redeem through a portal. Some rewards cards allow you to redeem your points through a portal for general travel expenses you’ve made.
  • Purchase through a portal. Some cards will give you a boost on your points if you make your travel purchases through their travel portal.
  • Shop online. You can also sometimes redeem your points through a shopping portal, although the redemption amount can be lower than if you redeem for travel. Through these portals, you can shop for clothing, gifts, health and beauty aids, travel and more.
  • Redeem with specific brands. You can earn and redeem your points for hotel stays or flights with loyalty brand cards. In some cases, you can double up on points both as a loyalty brand member and a cardholder.

What type of rewards credit card is right for me?

There are actually a number of different types of rewards credit cards, including cash back, hotel and airline loyalty cards, and even retail. In fact, more than 60% of credit cards issued in the U.S. are tied to a rewards program, according to The Wall Street Journal. Here are different types of rewards cards:

  • Gas — Also called fuel cards, this product dates back to the 1920s when the primary purpose was convenience. With the advent of rewards cards that also reward you for groceries, wholesale clubs and restaurants, rewards cards have all but replaced the gas credit card. That said, gas cards can reward you generously for each gallon and sometimes only require fair credit. If you’re on the road a lot, this might be a good choice.
  • General purpose travel — Some travel cards reward you for most brands through a redemption portal that tracks your travel expenses. While the redemption rate may be lower than a loyalty travel card, you might want this card if you don’t travel with a particular brand.
  • Airline miles — Frequent flier programs became popular in the 1980s. You can choose between a single loyalty card and a card with multiple airline partnerships. This is an option for the traveler who is loyal to a specific brand.
  • Hotel — A version of the airline loyalty card, this type of card product is good for the consumer who has a favorite hotel brand. Because hotel partnerships are so large today, you can access hotels in the hundreds in dozens of countries with a single card.
  • Cash back — Originating in 1986, Discover developed its products as a way to give money back at the end of the year based on the amount of charges. The cashback product has expanded to cards that give cash back in statement credits, checks and deposits in bank accounts. Cash back can be 1%–2% back for everything or for quarterly categories, which typically have a greater reward. If you want rewards without thinking about it, a general-purpose cashback card might be the right decision.
  • Retail — Originating in 1986, Discover developed its products as a way to give money back at the end of the year based on the amount of charges. The cashback product has expanded to cards that give cash back in statement credits, checks and deposits in bank accounts. Cash back can be 1%–2% back for everything or for quarterly categories, which typically have a greater reward. If you want rewards without thinking about it, a general-purpose cashback card might be the right decision.
  • Luxury — If you travel often and don’t particularly love it, luxury cards can be a good choice because you can get 24/7 concierge service, access to airport lounges and more.
  • Business — Many business cards offer varying types of rewards cards, frequently with greater rewards than consumer rewards cards. You can get cash back or points for business-related spending. If you often spend on business items, a business card might be an option.

Recap: Top Rewards Credit Cards for December 2017

Card Welcome Bonus Bonus Requirement Rewards Rate
Capital One® Venture® Rewards Credit Card 50,000 Miles Spend $3,000 on purchases within 3 months from account opening Unlimited 2X miles per dollar on every purchase, every day
Blue Cash Everyday® Card from American Express $150 Spend $1,00 on purchases within 3 months from account opening 3% cashback at U.S. supermarkets (up to $6,000), 2% cash back at U.S. gas stations and select department stores, 1% cash back on all other purchases
Chase Sapphire Preferred® Card 50,000 Bonus Points Spend $4,000 on purchases in the first 3 months from account opening 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Discover it® Cashback Match™ Discover will match all the cash back earned at the end of your first year, automatically Automatic Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Premier Rewards Gold Card from American Express 25,000 Bonus Points Spend $2,000 on purchases within 3 months from account opening 3X points for flights booked directly with airlines. 2X points at U.S. restaurants, gas stations, and supermarkets. 1X points on all other purchases.
Bank of America® Cash Rewards Credit Card $150 Online Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
The Platinum Card® from American Express 60,000 Bonus Points Spend $5,000 on purchases within 3 months from account opening 5X points on flights booked directly with airlines or with American Express Travel and on eligible hotels through amextravel.com
Capital One® VentureOne® Rewards Credit Card 20,000 Miles Spend $1,000 on purchases within 3 months from account opening Unlimited 1.25 miles per dollar on every purchase, every day
Chase Freedom Unlimited® $150 Bonus Spend $500 on purchases in your first 3 months from account opening Unlimited 1.5% cash back on every purchase
Bank of America® Travel Rewards Credit Card 20,000 Online Bonus Points Make at least $1,000 in purchases in the first 90 days Unlimited 1.5 points per $1 spent on all purchases

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