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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Discover® Open Road(SM) Card
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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
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
10.99% Variable |
$0 |
Very Good |
Discover® More(SM) Card - Monogram
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- Earn More Cash in More Ways Than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards With More than 80 Cashback Bonus Partners*
- 0% Intro APR*
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
10.99% Fixed |
$0 |
Very Good |
Capital One® No Hassle Cash(SM) Rewards
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- 25% Annual Bonus on the Cash You Earn
- 1% Cash Back on Every Purchase
- 0% APR on Purchases Until December 2008. After that, Variable APR, Currently 16.9%
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- Redeem Cash Whenever You Want
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases until December 2008 |
16.90% Variable |
$29 |
Limited |
Brighter Planet™ Visa® Credit Card
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- 1 EarthSmart Point for Every $1 Net Retail
- 1,000 EarthSmart Bonus Points with First Transaction
- 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements
- For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 12 Months |
9.99% / 15.99% Fixed |
$0 |
None |
Platinum Delta SkyMiles® Credit Card from American Express
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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
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 3.90% APR for Life of Balance Transfers |
14.99% Variable |
$150 |
Very Good |
Ducks Unlimited WorldPoints® Platinum Plus® Visa® Card
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- Earn WorldPoints With Every Retail Purchase You Make With The Card.
- No Annual Fee
- Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers Through Your First Twelve Billing Cycles.
- Zero Liability For Unauthorized Card Use.
- Card Issued by FIA Card Services, N.A.
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 12 Billing Cycles |
9.99% / 15.99% Fixed |
$0 |
Very Good |
WorldPerks® Visa® Signature Card
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- No Pre-Set Spending Limit
- Signature Exclusive 24-Hour Customer Service
- Double Miles for Purchases Direct From Northwest Airlines®
- No Blackout Dates for Award Travel
- Up To 5 Miles Per $1 Spent at Over 10,000 Restaurants and Hotels Nationwide
- Apply online now at U.S. Bank or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
15.00% Variable |
$90 |
Excellent |
Bank of America WorldPoints™ Platinum Plus® Visa® Card
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- *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- *No Annual Fee
- *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates and More§
- *100% Fraud Protection
- *Online Account Access and Points Management
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 12 Billing Cycles |
9.99% / 15.99% Fixed |
$0 |
Very Good |
Capital One® No Hassle Cash(SM) Rewards - Excellent Credit
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- For Customers With Excellent Credit
- 2% Cash Back on Purchases at Gas Stations and Major Grocery Stores and 1% Cash Back on All Other Purchases
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- 14.9% APR on Purchases and Balance Transfers
- Request Your Cash Back Rewards Whenever You Want
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
14.90% |
$0 |
Excellent |
Clear from American Express®
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- No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
- 0% Intro APR for Up to 12 Months
- Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
- Pay in Full, or Carry a Balance
- 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 |
As low as 10.99% Variable |
$0 |
None |
Blue Sky from American Express®
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- No Annual Fee and 0% Intro APR for 6 Months
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less than 60 Seconds
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
As low as 9.99% Variable |
$0 |
None |
Chase Platinum Visa® Card
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- 0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers*
- The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History
- No Annual Fee
- FREE Online Account Access
- FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Apply online now at Chase or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 12 Months |
10.99% Variable |
$0 |
Very Good |
