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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Platinum Delta SkyMiles® Credit Card from American Express
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- Earn 20,000 bonus SkyMiles(R) (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 |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.50% Variable |
$150 |
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 |
Blue Sky from American Express®
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- 0% Intro APR for Up to 6 Months on Purchases
- 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.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
As low as 17.24% Variable |
$0 |
None |
Discover® More(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* |
As low as 11.99% Variable |
$0 |
Very Good |
Discover® More(SM) Card - Wildlife Collection
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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 |
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 |
Miles by Discover® Card
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- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- 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® 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 |
Chase Sapphire℠
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- 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 Merchant Through Ultimate Rewards Mall
- 1 Point for Every Dollar on All Other Purchases
- 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 |
Discover® Motiva(SM) Card
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- 5% to 20% Cashback BonusŪ at Top Online Retailers*
- Up to 1% Unlimited Cashback BonusŪ on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback BonusŪ Partners
- Free Payment by Phone or Online — Even on Your Payment Due Date
- Choose a Payment Due Date That Meets Your Needs
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 3.99% Intro APR* |
as low as 11.99% Variable |
$0 |
None |
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 |
Escape by Discover® Card
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- 25,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase the First 25 Months
- Unlimited Double Miles on All Purchases
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site
- Enhanced Travel Benefits
- 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 11.99% Variable |
$60 |
None |
