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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 MERRILL+® Card is one of the most popular Rewards cards available. Your Credit Advisor recommends it as our favorite in this category.
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- No Annual Fee
- Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles
- Low 9.99% APR
- Credit Line May Be as High as $250,000
- Earn 1 Point for Every $1 Spent
- Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge
- Read our review or apply online now at Bank of America's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.9% APR for 12 Months |
9.99% Fixed |
None |
$0 |
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- 0% Intro APR for Up To 12 Months on Purchases and Balance Transfers
- The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History
- No Annual Fee
- FREE Online Account Access
- FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Read our review or apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
10.99% Variable |
Very Good |
$0 |
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- Membership Rewards Express(SM) program
- 0% APR on Purchases for Up To 15 Months
- No Annual Fee
- Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance
- Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences
- 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 up to 15 Months |
10.24% Variable |
None |
$0 |
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- Earn Up To 10% in Introductory Rebates
- Earn Up To 5% in Rebates after the Introductory Period
- There's No Limit to the Amount of Rebates You Can Earn!
- 0% APR for Up To 6 Months on Purchases and Balance Transfers
- No Annual Fee
- Online Account Management
- Zero Liability Against Unauthorized Purchases
- Read our review or apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
11.99% Variable |
None |
$0 |
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- Earn 15,000 Bonus SkyMiles® after Your First Purchase with the Card
- Earn 2,500 Bonus Miles for Adding an Additional Cardmember with their Application
- Always Double Miles® on Every Eligible Dollar You Spend at Supermarkets, Drugstores, Gas Stations and More
- Earn One SkyMile for Virtually Every Dollar You Spend
- No Annual Fee for the First Year, $95: $40 if You are a Qualified American Express Cardmember
- Express Approval. Get a Decision in Less than 60 Seconds
- Now You Can Redeem Your Miles for Any Delta Seat, Any Time at Delta.com. Pay with Miles is an Exclusive New Benefit for Gold Delta SkyMiles® Credit Cardmembers that Goes Above and Beyond to Help Ensure that Your Miles Work the Way You Want Them To
- Pay for All or Part of Your Fare With Miles and Put the Rest on Your Card; Start Redeeming at Just 10,000 Miles
- 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 |
| 9.99% APR for Life of Balance Transfers |
15.24% Variable |
Good |
$95 |
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- 5% to 20% Cashback Bonus at Top Online Retailers
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- View Discover® Card Rates, Fees, Rewards and Other Important Information
- Read our review or 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* |
10.99% Fixed |
Very Good |
$0 |
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- "Best Cash-Rebate Card" by Kiplinger's Personal Finance
- Up To 5% Cash Back with Unlimited Cash Rewards
- Earn Unlimited Cash Back
- 0% Intro APR for 6 Months on Purchases
- Low Balance Transfer Rate - 4.99% Fixed APR for the Life of the Balance
- No Annual Fee
- 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 |
10.24% Variable |
None |
$0 |
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- Earn 10,000 Starpoints® with Your First Purchase - Enough for Up To 3 Free Nights at a Category 1 or 2 Hotel
- Earn 15,000 Bonus Starpoints® After You Spend $15,000 In 6 Months
- Winner "Best Affinity Credit Card" at the 19th Annual Freddie Awards -- Voted on by Frequent Travelers
- Use Starpoints® for Free Nights and Upgrades at over 860 Participating Starwood Hotels and Resorts in 95 Countries
- Transfer Starpoints® Almost Always on a 1:1 Basis to the Frequent Flyer Programs of over 30 Major Airlines
- Earn One Starpoint® for Every Dollar You Spend and Double Starpoints® at Participating Starwood Properties and Retail Partners
- No Annual Fee for the First Year and $45 Thereafter
- 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 |
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- Earn 10,000 HHonors Bonus Points After Your Very First Purchase on the Card - Enough for a Free Night
- Earn 15,000 Bonus Points After You Spend $5,000 in 5 Months - That's in Addition to the 15,000 Points You Would Earn for Your Card Spending
- Earn 10,000 HHonors Bonus Points Over the Course of Your First Four Stays at Any Participating Hilton Family Hotels (2,500 HHonors bonus Points Each Stay)
- Receive 5 HHonors® Bonus Points for Each Dollar Spent at Hilton Family and for Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Dining Establishments, and More
- Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
- No Annual Fee
- Express Approval. Get a Decision in 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 |
$0 |
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- Earn RacePoints(SM) Every Time You Make a Purchase
- Redeem Points for Exclusive NASCAR® Experiences and Collectibles
- No Annual Fee
- Free Online Account Access
- 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- Card Issued by FIA Card Services, N.A.
- Read our review or apply online now at Bank of America's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Billing Cycles |
9.99% / 15.99% Fixed |
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.
