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FIND THE BEST REWARDS CARD FOR YOU
Everyone with good credit who uses credit cards should use a rewards card. Otherwise, you’re essentially paying anywhere from 1% to 6% more than you need to spend every time you make a purchase.
The best type of rewards card varies from person to person. Cash back cards are the most straightforward & tend to offer lower interest rates, 0% APR promotions and easy to obtain cash back sign up bonuses. Airline, point and travel cards typically offer bigger sign up bonuses, but also carry fees that make these cards a poor option for those who don’t spend $20,000 or more a year on their cards and travel frequently.
Below you can compare current offers and apply online. All links open in new windows. If a link fails to open, temporarily disabling your
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CAPITAL ONE® VENTUREONESM REWARDS CREDIT CARD |
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- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals, and more
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until June 2014
- No foreign transaction fees
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until June 2014*
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N/A*
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11.9% - 19.9% (V)*
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$0
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Excellent Credit
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CAPITAL ONE® VENTURESM REWARDS CREDIT CARD |
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- 2 miles per dollar on every purchase, every day
- As seen in Money® Magazine's 'Best' issue three years in a row. - Money® Magazine May 2010, 2011, 2012
- Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem your miles for any travel expense
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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13.9% - 20.9% (V)*
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$0 intro for first year; $59 after that
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Excellent Credit
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CHASE SAPPHIRE PREFERRED® |
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- 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
- 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate RewardsSM
- No foreign transaction fees
- Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed
- 1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points
- Direct access to expert service advisors anytime
- Introductory Annual Fee of $0 the first year, then $95
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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15.24% (Variable)*
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$0 1st year, then $95
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Excellent Credit
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 months*
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0%* for 12 months*
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12.99%-22.99%* (Variable)*
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$0*
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Excellent Credit
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CAPITAL ONE® CASH REWARDS |
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- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until June 2014
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until June 2014*
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0% until June 2014*
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12.9% - 20.9% (V)*
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$0
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Excellent Credit
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STARWOOD PREFERRED GUEST® CREDIT CARD FROM AMERICAN EXPRESS |
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- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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None*
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None*
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15.24% - 19.24% variable*
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$0 introductory annual fee for the first year, then $65
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Excellent Credit
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CITI THANKYOU® PREFERRED REWARDS CARD |
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- Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
- 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on all purchases
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 months*
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0% for 12 months*
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12.99%-22.99%* (Variable)*
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$0*
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Excellent Credit
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CHASE SAPPHIRE® CARD |
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- 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards!
- 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- Direct access to expert service advisors anytime
- No annual fee!
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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N/A*
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N/A*
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15.24% (Variable)*
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$0
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Excellent Credit
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Credit Card Reward Tips
Skip the Annual Fee: Whether you're earning points, miles, or cash back, paying an annual fee will seriously impact how much you earn. For example, if a credit card charges a $60 annual fee, you may have to spend $6,000 just to earn back what you spent on the fee. With a no fee card, spending $6,000 will net you $60 in rewards.
Avoid Credit Card Points: Unlike cash back rewards, credit card points are often worth less than one cent. Plus, when you earn points, your redemption options are limited to whatever inventory your credit card company chooses to offer. If you earn cash back, you can basically use your rewards for anything you want.
Watch Out for High Interest Rates: Almost all rewards credit card charge higher interest rates than cards that don't have rewards. In some cases, interest rates can be 20-30% higher. If you carry balances from month to month, you may be better offer with a low interest or 0% APR credit card.
Resist Temptation: Getting tens of thousands of free miles or points may seem like a good deal, but cards that offer these bonuses tend to carry high annual fees. Unless you're comfortable taking on a $60 to $100 annual expense, don't jump at credit cards that offer tantalizing perks.
Ideas to Help You Find the Right Rewards Credit Card
What Type of Rewards Credit Card is Right for You: Credit card rewards offers come in a variety of tempting forms. Some cards try to lure you in with tens of thousands of free miles; others charge annual fees, but let you try them free for a year. As alluring as these offers may be, the most important thing to consider when choosing a rewards card is this: how much money can the card make you? Big spenders and savvy frequent fliers might be able to benefit from expensive frequent flyer or luxury platinum cards, but if you do the math, you will likely find paying a fee sharply reduces your net reward earnings. Full Article
Cash Back Credit Cards Are the Best Type of Rewards Cards: Although some people swear by frequent flyer miles, almost every credit card user stands to benefit most from cash back credit cards. With cash back rewards, you don't need to spend tens of thousands of dollars to earn a free flight. There are no blackout dates or seat restrictions. You simply earn money that you can spend as you please. Full Article.
Two Airline Reward Credit Cards with Annual Fees Worth Paying : Ever wonder why airline credit cards offer massive sign up bonuses like free flights and tens of thousands of miles? The reason is pretty simple: they want to lure you in and collect high annual fees while you spend years spending enough money to earn free flights. Because of this, most airline credit cards should be avoided by all but the most knowledgeable users of frequent flyer programs. However, two airline credit cards actually offer good value. Full Article.
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