Saturday, February 04, 2012

Rewards Credit Cards

Rewards Credit CardsRewards credit cards allow you to earn as many as 8 points at certain participating retailers, gas stations, supermarkets and drug stores. Plus earn 1 point for every dollar you spent on everything else. Points can be used to redeem for gift cards, airline miles, travel rewards, merchandise and more. Apply for a rewards credit card today!

15 Rewards Credit Cards Available. Displaying Offers 1 - 15:

  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • 0% intro APR on purchases until February 2013
  • No foreign transaction fees
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 11.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • Bonus: Get up to 15% more cash back when you shop online at select merchants through Perk Central
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards any time for any amount, even set up automatic redemption
  • 0% intro APR on purchases until November 2012
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until November 2012* N/A 17.9% - 22.9% (V)* $39.00* Yes* Fair Credit*

  • Money® Magazine's "Most Rewarding Card if you crave free airline flights"
  • 2 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem your miles for any travel expense
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 11.9% - 19.9% (V)* $0 intro for first year; $59 after that Yes* Excellent Credit*

  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Also, redeem for Travel, Merchandise, Gift Cards and more
  • 0% intro APR - pay no interest on purchases until February 2013
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 13.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • Bonus points on eligible Orbitz.com bookings
  • No limit on the points you can earn and points don't expire
  • Redeem for travel, merchandise, gift cards and more
  • Earn travel quickly with low redemption minimums
  • 250 point refueling bonus when you redeem points for awards
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 13.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 7 Months 0% for 12 Months 12.99%-22.99%* (Variable) $0* Yes* Excellent

  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until February 2013*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* 0% until February 2013* 12.9% - 20.9% (V)* $0 Yes* Excellent Credit*

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 15 Months 0% for 15 Months 10.99% - 20.99% (Variable)* $0* Yes* Excellent Credit*

  • Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
  • 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to expert service advisors (No voice recording)
  • No annual fee!
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 15.24% *(Variable) $0* N/A* Excellent Credit*

  • $250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you're a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 12.99-22.99% (Variable)* $0.00* Yes* Excellent Credit*

  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 12.99%-22.99%* (Variable) $0* Yes* Excellent

  • 5 points per $1 on Sony purchases at authorized retailers
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, and more
  • Choose from 2 unique card designs
  • 0% intro APR on purchases until December 2012
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until December 2012* N/A 13.9% - 24.9% (V)* None* Yes* Excellent Credit*

  • Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
  • No foreign transaction fees
  • Earn a 7% annual points dividend - even on points already redeemed
  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value
  • 24/7 direct access to expert service advisors (No voice recording)
  • No Annual Fee for your first year - A $95 value
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 15.24% *(Variable) $95, waived first year N/A* Excellent Credit*

  • Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
  • Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
  • Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Get approved in 60-seconds.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $125 annual fee N/A* Excellent Credit*

  • Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
  • Introductory annual fee of $0 for the first year, then $175
  • Get approved in 60-seconds.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* Introductory annual fee of $0 for the first year, then $175 N/A* Excellent Credit*

 

Guide to Rewards Credit Cards

With rewards credit cards, you can earn cash back or accumulate points towards a specific reward. There are many types of rewards credit cards, so look for a card that offers the rewards that are the most attractive to you, and also gives you the greatest savings on your frequent purchases.

Earnings range from 1% to as high as 5% on your purchases, so it pays to look at your options. Take a careful look at the redemption options the card offers for the earnings you accumulate. Choose the card whose redemption options are most attractive to you to maximize the benefits the card offers. See the rewards categories available here to get an idea of your choices.

Various cards give a higher rebate for everyday expenditures, up to 5%, for purchases at grocery stores, gas stations, drug store purchases, and other types of purchases. In some cases, the higher rate is only an introductory offer that expires after a few months. Read the terms and conditions on the credit card application to learn what the ongoing rewards structure is.

Many rewards credit cards put a cap on the total earnings you can accumulate in a year. Most people will not hit that cap, but if you will be putting a lot of charges on the card, you may search for a card that has no cap (these are available for businesses mostly) or get more than one rewards credit card.

A rewards credit card is most advantageous when you are able to pay the balance in full at the end of each month. If you plan to keep a balance on your card, you may save more with a credit card that offers a low interest rate on an ongoing basis.

You may also be interested in cards that offer cash back, frequent flyer miles or 0 apr for an introductory period.

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Glossary
  • APR - Acronym for Annual Percentage Rate. The yearly percentage rate of the finance charge.
  • Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
  • Regular APR - A fixed yearly percentage rate of the finance charge.
  • Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
  • Annual Fee - A fee charged by the card issuer for being a card holder.
More Terms