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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
These online credit card applications keep your personal data safe by utilizing SSL technology.
Recommended Rewards Credit Card
The Blue from American Express® is one of the most popular Rewards cards available. Your Credit Advisor recommends it as our favorite in this category.
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- 0% Intro APR for 6 Months on Purchases
- No Annual Fee
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
- 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 |
| 0% APR for 6 Months |
As low as 15.24%* Variable |
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
- 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 |
| 2.9% APR for 6 Months |
15.24% Variable |
Very Good |
$45 |
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
14.99% or 21.99% V Variable |
Very Good |
$0 |
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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
- 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. |
14.50% Variable |
Very Good |
$150 |
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- Double Cashback Bonus at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
- Redeem for Partner gift cards, merchandise, Discover (R) gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- 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% Variable |
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
- 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. |
14.50% Variable |
None |
$450 |
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- 0% Intro APR for Up to 6 Months on Purchases
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 17.24% Variable |
None |
$0 |
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- 10,000 Bonus Points After First Purchase
- 2X on All Airfare Booked Through Ultimate Rewards
- No Earning Caps, Point Expiration, or Blackout Dates
- Earn up to 10x for Every Dollar When Shopping at Select Merchant Through Ultimate Rewards Mall
- 1 Point for Every Dollar on All Other Purchases
- 24/7 Dedicated Service Advisor (No Voice Recording)
- Premier Travel Protection Benefits
- 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% Variable |
None |
$0 |
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months |
As low as 17.24%* Variable |
None |
$0 |
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- Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- Turn Your Points Into Hotel, Gift, or Experience Rewards
- Travel Accident Coverage Up to $1,000,000
- No Annual Membership Fee
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Purchase and Cash Advance APR May Vary Depending on Your Creditworthiness and Other Factors
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.99% APR for 6 Months |
8.25%-14.25%* Variable |
Very Good |
$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.
