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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Delta Reserve Credit Card
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- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Complimentary Crown Room Club(R) access for you and two guests
- Access to American Express(R) Concierge Services
- 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 |
$450 |
None |
Discover® Motiva Card
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- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you\'ll get a Pay-On-Time Bonus equal to a full month\'s interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 3.99% Intro APR* |
11.99% - 20.99% (Variable)* Variable |
$0 |
None |
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 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% on Purchases for 6 months |
17.24%-21.24% Variable Variable |
$0 |
None |
Chase Freedom® Visa - $100 Bonus Cash Back
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- Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
12.99% to 22.99% Variable |
$0 |
None |
Miles by Discover® Card
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- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchase
- Flexible redemption options for travel, gift cards, or cash
- 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% - 16.99% (V)* Variable |
$0 |
Very Good |
Discover® More Card - $75 Cashback Bonus
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- 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 |
Very Good |
Escape by Discover® Card
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- 25,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first 25 months
- Unlimited Double Miles on all purchases
- An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover
- Flexible redemption options for travel, gift cards, or cash
- 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* |
10.99% - 16.99% (V)* Variable |
$60 |
None |
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 |
Discover® More Card
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- 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* |
Varies |
$0 |
Very Good |
Chase Freedom℠
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- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- 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* |
Varies |
$0 |
None |
Chase Sapphire℠ Preferred Card
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- Earn a FREE FLIGHT - that\'s 25,000 bonus points after you spend $3,000 in the first 3 months!
- 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
- Points are worth 25% more when you redeem for travel through Ultimate Rewards
- 7% annual points dividend - earn bonus points on your points
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
12.24% (V) Variable |
$85 |
None |
Chase Freedom℠ Visa
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- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 12 months on balance transfers, 6 months on purchases* |
Varies |
$9999 |
None |
