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Find the Best Rewards Credit Card Programs
Rewards credit cards give you a bonus for each purchase you make. The rewards that you can earn when you use a rewards credit card vary from discounts on hotels, restaurants, and resorts to cash back and even discounts and coupons for some of your favorite stores.
If you use a credit card anyway, choosing to use a rewards credit card makes a lot of sense. If you are interested in switching to a credit card reward program, just make sure that the benefit of earning rewards isn't offset by high interest rates or a large annual fee. It doesn't make sense to switch to a rewards credit card if you won't earn enough rewards to cover the higher interest rate or annual fee.
If you pay off your balance each month, the best rewards credit cards will allow you to earn lots of bonuses on all of your purchases. Just make sure to use your cash to pay off your balance at the end of each billing period.
Online Applications for Rewards Cards
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Recommended Rewards Credit Card
The Chase Freedom® Visa - $100 Bonus Cash Back is one of the most popular Rewards cards available. Your Credit Advisor recommends it as our favorite in this category.
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- Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
12.99% - 22.99% (V) |
None |
$0 |
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 2.90% on Purchases and Balance Transfers for 6 months |
15.24% variable |
Very Good |
$45** |
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- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds
- Check your first bag for free on every Delta flight
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.5% variable |
Very Good |
$150 |
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- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 12 months on balance transfers, 6 months on purchases* |
12.99% - 22.99% (V) |
None |
$0 |
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- Earn up to 25,000 bonus miles -- enough for a total of $250 off Delta flights
- Use miles to pay for any Delta seat, anytime - - no black out dates and no seat restrictions
- 25,000 miles may also be redeemed for a domestic economy award ticket
- Earn SkyMiles for every eligible dollar you spend
- No annual fee for the first year, then $95.
- Express Approval. Get a decision in less than 60 seconds.
- Check your first bag for free on every Delta flight.
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 9.99% on Balance Transfers for 12 months |
14.50% variable |
Good |
$95* |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
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- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Complimentary Crown Room Club(R) access for you and two guests
- Access to American Express(R) Concierge Services
- Pay with Miles - pay for all or part of any Delta flight with your miles
- Check your first bag for free on every Delta flight
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.5% variable |
None |
$450* |
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- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable |
None |
$0 |
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
- Apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 15 Months* |
12.99% - 20.99%* (Variable) |
Very Good |
$0 |
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- Earn $100 in Rewards - that's 10,000 bonus points after your first purchase!
- Redeem Points for Travel, Gift Cards, Merchandise, Cash Back and More
- 2X Points Earned on Airfare Booked through Ultimate Rewards & 1 point for Every Dollar Spent on All Other Purchases
- Points Never Expire and There Are No Limits on How Many Points You Can Earn
- 24/7 Dedicated Service Advisor (No Voice Recording)
- Premier Travel Protection Benefits
- All of this for No Annual Fee!
- Apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
12.24% (V) |
None |
$0 |
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The credit card information shown here is provided by . Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
