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Rewards Credit Cards

Reward credit cards are very popular because they offer consumers the opportunity to earn all sorts of valuable rewards with every purchase made with their credit card.

Depending on your particular preference, you can earn cash back on all your purchases with a cash back credit card, free airline travel with an airline miles card, free hotel stays with a hotel rewards card, a variety of miscellaneous travel perks with a travel reward credit card, save money on gasoline purchases with a gas rebate credit card, or earn points redeemable for your choice of merchandise or gift cards.. which may be used at all your favorite retailers, dining establishments, and much more.

Consider which type of rewards would fit your lifestyle best and apply for the reward card of your choice.


Credit Cards Offering Various Incentives and Rewards

Card Name Intro Rate Balance Transfer
Intro Rate		 Regular Apr Annual Fee Editor's Rating down

Blue Cash EverydaySM from American Express


Apply Online for This Credit Card

  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		17.24-22.24% (Variable)* $0.00* Excellent Credit*

    Discover® More® Card - Balance Transfer Fee*


    Apply Online for This Credit Card

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 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*
  • Discover is ranked #1 in customer loyalty--15 years in 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 APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		10.99-20.99% (Fixed)* $0.00* Excellent Credit*

    American Express® Gold Card


    Apply Online for This Credit Card

  • 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 APR and Period Regular APR Annual Fee Credit Needed
    N/A* N/A* $0.00 1st year, then $125.00* Excellent Credit*

    Chase Freedom® Visa - $100 Bonus Cash Back


    Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		11.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back


    Apply Online for This Credit Card

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent Credit*

    American Express® Premier Rewards Gold Card


    Apply Online for This Credit Card

  • 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 APR and Period Regular APR Annual Fee Credit Needed
    N/A* N/A* $0.00 1st year, then $175.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards


    Apply Online for This Credit Card

  • $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 APR and Period Regular APR Annual Fee Credit Needed
    N/A* 12.99-22.99% (Variable)* $0.00* Excellent

    TrueEarnings® Card from Costco and American Express


    Apply Online for This Credit Card

  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		15.24% (Fixed)* $0.00* Excellent Credit*

    Chase Freedom® Visa - $200 Bonus Cash Back


    Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 15.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards


    Apply Online for This Credit Card

  • $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 APR and Period Regular APR Annual Fee Credit Needed
    N/A* 12.99-22.99% (Variable)* $0.00* Excellent Credit*

    The Platinum Card® from American Express


    Apply Online for This Credit Card

  • 25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
  • Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
  • Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide

    • Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* N/A* $450.00* Excellent Credit*

    Visa® Black Card


    Apply Online for This Credit Card

  • Made with carbon, not just another piece of plastic; Membership is limited
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Accepted globally; zero liability protection against unauthorized purchases

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 14.99% (Fixed)* $495.00* Excellent Credit*

    Citi Forward® Card


    Apply Online for This Credit Card

  • $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 APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 7 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent

    Maximizing Your Credit Card Reward Earnings

    Everybody Loves Getting Free Stuff:

    Every year over $16 billion is earned by consumers in the form of credit card rewards. But, reports indicate less than 30% of credit card consumers actually take advantage of these free rewards. For those who do cash in their rewards, finding new and clever ways to maximize their reward earnings is very important. With that in mind, here are a few suggestions as to how you can maximize your credit card rewards.

    Have a Variety of Credit Cards:

    If you are a consumer with good credit and have proven to be able to avoid the pitfalls often associated with credit cards, in having multiple cards, you will earn more rewards in more ways. Many key industry leaders suggest the savvy consumer should have at least six or more credit cards to maximize their reward earnings potential.

    Find Online Services to Pay All Your Bills via Credit Card:

    There are services online which allow consumers to pay pretty much any bill with a credit card. The key is to make sure you designate one particular card for this purpose and always pay your entire credit card bill off each month as soon as the statement arrives

    Let’s say for example, you pay your monthly house payment, car payment, auto insurance, utilities and groceries all with the same credit card. You must pay your credit card in full to ensure interest fees don’t apply to all these charges.

    Pay Absolutely Everything with Your Credit Card:

    The bottom line is, in order to maximize your spending, increase your credit rating and earn even more rewards, you’re going to have to pay all of your monthly expenses using one particular credit card.

    Instead of paying bills from your checking account.. simply use your credit card. Then, once you’ve paid using your card, use the money in your checking account to pay the credit card bill. The credit card companies don’t mind this, and there should be no additional fee for multiple payments to your credit account.

    The simple solution for maximizing your reward points is to use your credit cards as often as possible, sign up for as many cards as you can comfortably manage and use the cards which give you the best return on your investment.


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    terms and conditions on the issuer's website.

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