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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® VENTUREONE(SM) REWARDS CREDIT CARD |
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% until August 2011*
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n/a
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13.9%(V)*
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None
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Excellent
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MILES BY DISCOVER® CARD - GET 12,00 FREE MILES |
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- 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months than the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 6 Months*
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0% for 6 Months*
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10.99% Variable*
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None
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Good
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT |
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- 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 August 2011
- No foreign transaction fees
- No annual fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% until 8/2011*
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n/a
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16.9%(V)*
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None
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Good
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Best Cash Back Reward Credit Cards
CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT |
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- 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% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% until 8/2011*
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n/a*
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14.9%(V)*
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None
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Excellent
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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
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 6 Months*
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0% for 15 Months*
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11.99% - 20.99% (Variable)*
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None
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Good
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Read more related articles: Rewards Credit Cards |
