Best Rewards Credit Card Programs
Chase FreedomSM Credit Card
- 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores
- Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
- Up to an additional 20% cash back at select merchants when you shop online through Chase
- 0% Intro APR and No Annual Fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | up to 6 months on purchases; up to 12 months on balance transfers* | as low as 12.99% Variable* | None* | Yes* | Excellent/Good Credit* |
Discover® More Card
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site.
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0%* | 6 months on Purchases; 12 months on Balance Transfers* | as low as 11.99%* | None* | Yes* | Excellent Credit* |
Miles by Discover® Card
- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- Double Miles through our exclusive online shopping site
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | 6 months on purchases & balance transfers* | as low as 11.99%* | None* | Yes* | Excellent Credit* |
American Express® Preferred Rewards Gold Card
- Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | N/A* | $125 annual fee | No* | Excellent Credit* |
Blue from American Express®
- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | up to 6 months on Purchases | As Low As 15.24% | $0.00* | Yes* | Excellent Credit* |
Chase SapphireSM Card
- 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 merchants 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
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 12.24% Variable* | None* | N/A* | Excellent Credit* |
American Express® Premier Rewards Gold Card
- Earn 15,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | N/A* | First Year Free, then $175 annual fee | No* | Excellent Credit* |
ZyncSM from American Express
- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest - that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
- Earn Membership Rewards® points with every eligible purchase
- Redeem points for travel, shopping, and great entertainment rewards
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | N/A* | $25.00* | No* | Excellent Credit* |
FREE SPIRITTM Onyx World MasterCard®
- Get 15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
- Get up to 10,000 additional miles for balance transfers made in the first 60 days after account opening
- Annual fee waived for the first year
- Get complimentary $9 Fare Club membership (a $39.95 value!)
- Priority boarding and domestic priority check-in
- Earn 3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
- Your miles never expire and more
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 14.24%* | $69.00* | Yes* | Excellent Credit* |
Starwood Preferred Guest® Credit Card
- Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
- No annual fee for the first year and $45 thereafter
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 2.90%* | 6 months* | 15.24%* | No annual fee for the first year - $45 thereafter | Yes* | Excellent Credit* |
Visa® Black Card
- 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs
- Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card's Exclusive Rewards Program
- Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements
- Luxury Gifts - Cardmembers receive luxury gifts from some of the world's top brands
- Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries
- Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember
- BC Benefits: Members are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service, & Purchase Security
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | 6 months on balance transfers and convenience checks* | 13.24%* | $495.00* | Yes* | Excellent Credit* |
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A Rewards credit card program is the perfect solution for someone who makes a lot of purchases in their card. There are many different types of rewards credit cards available online. Some programs offer cash back, some offer travel rewards points while others provide exclusive rewards such as luxury vacations and high end electronics.