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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Starwood Preferred Guest® Credit Card from American Express
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 2.9% APR for 6 Months |
15.24% Variable |
$45 |
Very Good |
IberiaBank Visa® Gold Cash Back Rewards Card
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- Earn 1% in Cash Back Credits on All Qualifying Purchases
- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Travel Accident Coverage up to $500,000
- No Annual Membership Fee
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 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 |
8.25%-14.25%* Variable |
$0 |
Good |
Discover® More® Card - Clear
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- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- 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 |
as low as 11.99% Variable |
$0 |
Very Good |
Discover® More® Card - Monogram
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- 0% APR on Balance Transfer for a FULL 12 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR |
as low as 12.99% Variable |
$0 |
Very Good |
Discover® More® Card
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- 0% APR on Balance Transfers for a FULL 12 Months
- 0% APR on Purchases for a FULL 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- 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* |
As low as 11.99% Variable |
$0 |
Very Good |
Blue Cash® from American Express
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- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 6 Months on Purchases
- 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 6 Months |
As low as 17.24%* Variable |
$0 |
None |
Discover® Open Road(SM) Card
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- Double Cashback Bonus at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
- Redeem for Partner gift cards, merchandise, Discover (R) gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% Variable |
$0 |
Very Good |
TrueEarnings® Card from Costco and American Express
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- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
15.24% Variable |
$0 |
None |
Discover® More® Card- American Flag
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- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- 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 |
as low as 11.99% Variable |
$0 |
Very Good |
Zync(SM) from American Express
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- 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(R) Points With Every Eligible Purchase - Redeem Points for Travel, Shopping, and Great 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 |
Chase Sapphire℠
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- Earn $100 in Rewards - that\'s 10,000 bonus points after your first purchase!
- Redeem Points for Travel, Gift Cards, Merchandise, Cash Back and More
- 2X Points Earned on Airfare 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 Advisor (No Voice Recording)
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
12.24% Variable |
$0 |
None |
Chase Freedom℠
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- 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
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 6 Months on Purchases* |
12.99%, 17.99%, or 22.99% Variable |
$0 |
None |
