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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 Discover® Motiva(SM) 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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- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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
- Free Payment by Phone or Online Even on Your Payment Due Date
- Choose a Payment Due Date That Meets Your Needs
- No Annual Fee
- *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 |
| 3.99% Intro APR* |
as low as 11.99% Variable |
None |
$0 |
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- Earn Up to 25,000 Starpoints® Enough for up to 6 Free Nights at a Category 1 or 2 Hotel.
- Use Starpoints® for Free Nights and Upgrades at Over 860 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® 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
- 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 |
13.24% Variable |
Very Good |
$45 |
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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* |
as low as 11.99% Variable |
Very Good |
$0 |
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- American DreamCard™ - The First and Only "POOLED REWARDS™" Credit Card
- You Don't Need to be a Big Spender to Win Big with This Credit Card
- Large Monthly Cash Jackpots!
- Earn Entries From Everyday Shopping!
- Every $1 in Net Retail Purchases = 1 Entry to Win (Up to 1,000 Entries Per Purchase)
- Get 1,000 Entries Just for Applying!
- *Dependent upon each individual's credit worthiness, an annual fee of $0, $39, or $59 may apply
- Apply online now at the card issuer's Web site.
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| 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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- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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 CBB 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* |
11.99% Variable |
Very Good |
$0 |
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- Earn 20,000 Bonus Points After $600 In Purchases Within 3 Months of Account Opening*
- Earn 2 Points for Every Dollar Spent on Everyday Purchases and 1 Point for All Other Purchases*
- Earn 1 Point for Every Mile You Fly on Any Airline*
- Earn 1 Point for Every Mile Friends and Family Fly on Tickets Purchased with Your Card*
- Get a Complimentary Companion Ticket When You Buy a Qualifying Ticket*
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
13.24% Variable |
Excellent |
$75 |
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- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- No Annual Fee
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- 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* |
as low as 11.99% Variable |
Very Good |
$0 |
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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* |
As low as 11.99% Variable |
Very Good |
$0 |
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- Earn 20,000 Bonus SkyMiles® (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 |
| No Introductory Rate Available |
13.24% Variable |
Very Good |
$150 |
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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
- 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* |
as low as 11.99% 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.
