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U R @: Education Center : Rewards Credit Cards : The Best Credit Card Rewards Programs


THE BEST CREDIT CARD REWARDS PROGRAMS

While the credit crunch has led a number of banks to drastically and oftentimes unfairly change key credit card terms, such as interest rates and credit limits, the drastic changes made to many credit card rewards programs has slipped under the radar. Over the past three years, credit card companies have sharply reduced the value of rewards programs.

This trend is most evident with cash back rewards credit cards. A few years ago, the best cash back rewards cards offered 5% on gas and groceries. However, smart credit card users outwitted the credit card companies, using their credit cards only in places that would get them the best rewards.

Consequently, the best rewards credit cards today are not nearly as good as they were two years ago. However, there are still good rewards credit cards deals to be found.

In order to come up with our selection of the best rewards credit cards, we eliminated all cards that charge an annual fee because annual fees eat up what can be a substantial portion of yearly awards, especially for those who don't spend $20,000 to $30,000 a year with their credit cards. The remaining offers have been broken into categories. You can compare these offers below and apply online via secure application links.

Best Miles Reward Credit Cards

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS

  • 1 mile per dollar spent on purchases up to $1,000 each month
  • 2 miles per dollar above $1,000 each month
  • No limit on the miles you can earn and miles don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • No blackout dates and no seat restrictions
  • Fly FREE on any airline to any destination
  • No foreign transaction fees
  • 0% APR on purchases until November 2010
  • No annual fee

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% on purchases *
Until 11/2010 *
13.9%(V) *
None *
Yes
Excellent

MILES BY DISCOVER® CARD

  • 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
  • No Annual Fee
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles


Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0%* *
6 Months* *
11.99% - 18.99%* *
None *
Yes
Good

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • No blackout dates and no seat restrictions
  • Fly FREE on any airline to any destination
  • 0% intro APR on purchases until November 2010
  • No foreign transaction fees
  • No annual fee

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% on purchases *
Until 11/2010 *
16.9%(V) *
None *
Yes
Good


Best Gas Cash Back Reward Credit Cards

CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT

  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards for statement credit, check or gift card
  • Get your cash back whenever you want, even set up automatic redemption
  • 0% APR on purchases until November 2010
  • No foreign transaction fees
  • No annual fee

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% on purchases *
Until 11/2010 *
14.9%(V) *
None *
Yes
Excellent

DISCOVER® MORE (SM) CARD

  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
  • No annual fee
  • Customer Service in less than a minute, anytime you want
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Editor's Pick for best overall offer. Click more details below the card to find out why.

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% *
6 Months *
As Low As 11.99% *
None *
Yes
Good


Read more related articles: Rewards Credit Cards

 

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
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