Find the Best Credit Card Rewards Programs
There are a variety of credit card rewards programs available today that offer such incentives as points, rebates or cash back in order to attract and retain your business. Types of rewards credit cards include travel, shopping, cash back, city points, airline, hotel, and savings account. Most major credit card companies are becoming specialized in designing credit cards with savings to suit a variety of lifestyles. The best rewards credit cards come with no annual fee, but they usually require good to excellent credit ratings.
For a brief comparison of some popular credit card offers, consider some of the following:
- Gas rewards offer cash back on gasoline and other selected purchases, some with a higher cash back bonus for gas purchased in the first 2-3 months, which may be useful if you are planning a long road trip.
- Cash back rewards programs may offer 5% cash back at grocery stores, gas stations and drug stores, and 1% elsewhere — leading to long term savings on purchases you make weekly.
- Points programs may offer 1 point per $1 spent, redeemable on merchandise, travel, gift cards or cash back. Some programs are specific to a certain company, while others are more general.
Depending on whether you are more interested in general savings at a wider variety of businesses, or more targeted savings and rewards with a particular company, there are many credit cards available that offer something back for your customer loyalty.
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IberiaBank Visa® Gold Cash Back Rewards Card
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- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will b
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR w
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 1.99% APR for 6 Months |
9.25%, 12.25%, or 15.25%* Variable |
$0 |
Good |
TrueEarnings® Card from Costco and American Express
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- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Data
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases for 6 months |
15.24% variable Variable |
$0 |
None |
Blue from American Express®
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- 0% Intro APR for up to 12 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.
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 12 Months |
Varies |
$0 |
None |
Delta Reserve Credit Card
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- Earn 10,000 Medallion® Qualification Miles (MQMs) with your first purchase, and Miles Boosts(SM) of up to 30,000 MQMs when you spend $60,000 in a calendar year
- Annual complimentary First-Class companion ticket with Card renewal
- Delta Sky Club™ access for you and your guests
- Check your first bag free on every Delta flight
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.5% variable Variable |
$450 |
None |
Gold Delta SkyMiles® Credit Card from American Express
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- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- No annual fee for your first year of Card membership; $95 thereafter
- Check your first bag free on every Delta flight
- Earn two miles for every eligible dollar you spend on qualifying Delta, Northwest, and Delta Vacations purchases
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 9.99% on Balance Transfers for 12 months |
14.50% variable Variable |
$95 |
Good |
Platinum Delta SkyMiles® Credit Card from American Express
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- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- No mileage earning limit, and miles don\'t expire
- Check your first bag free on every Delta flight
- Annual complimentary companion ticket
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.5% variable Variable |
$150 |
Very Good |
Escape by Discover® Card
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- 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and Miles don\'t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
Varies |
$60 |
None |
Miles by Discover® Card
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- 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don\'t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
Varies |
$0 |
Very Good |
Marriott Rewards Visa Signature Card- Earn up to 4 Free Nights
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- Earn 22,500 Bonus Points after your first purchase
- Receive a free night stay e-certificate upon account approval
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other eligible purchases
- Receive 10 nights credit toward Elite status every year
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
14.24% (Variable)* Variable |
$30 |
None |
Discover® More Card - No Balance Transfer Fee
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- Limited Time - No Balance Transfer Fee
- Promotion only valid through February 28, 2011
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 12 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% - 20.99% (V)* Variable |
$0 |
None |
Chase Sapphire℠
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- Earn 25,000 bonus points - after you spend $3,000 in the first 3 months- that's $250 toward a round trip flight or any other reward!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare & hotel accommodations booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
Varies |
$0 |
None |
Zync from American Express(R)
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- Earn 10,000 Membership Rewards Express® points with your first purchase
- Customize the Card with features and benefits that suit your lifestyle
- Zero interest because you pay in full each month
- Receive Membership Rewards Express points for every eligible dollar you spend, then redeem points for great travel, shopping, and entertainment rewards
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
No APR |
$25 |
None |
