Rewards Credit Cards
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22 Card Offers
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Discover it® Cash Back
Intro APR
0% on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable
Rewards
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Annual Fee
$0
Capital One® VentureOne® Rewards Credit Card
Intro APR
0% on Purchases for 12 months
Ongoing APR
15.49% - 25.49% (Variable)
Rewards
1.25x Miles per dollar on every purchase, every day
Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee
$0
Journey® Student Rewards from Capital One®
Intro bonus
N/A*
Rewards
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Chase Sapphire Preferred® Card
Intro bonus
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Rewards
2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$95
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR
0% on Purchases for 15 months
Ongoing APR
15.49% - 25.49% (Variable)
Rewards
1.5% Cash Back on every purchase, every day
Earn $150 after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Capital One® SavorOne® Cash Rewards Credit Card
Intro APR
0% on Purchases for 15 months
Ongoing APR
15.49% - 25.49% (Variable)
Rewards
3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Annual Fee
$0
Southwest Rapid Rewards® Premier Credit Card
Intro bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Rewards
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$99
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Intro bonus
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Ongoing APR
15.99% - 24.99% (Variable)
Annual Fee
$99, waived for first 12 months
Chase Freedom Flex℠
Intro APR
0% Intro APR on Purchases for 15 months
Ongoing APR
14.99% - 23.74% Variable
Rewards
Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Annual Fee
$0
Discover it® chrome
Intro APR
0% on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable
Rewards
2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Annual Fee
$0
Southwest Rapid Rewards® Plus Credit Card
Intro bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Rewards
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$69
Discover it® Secured
Intro bonus
Dollar-for-dollar match of all cash back earned the first year
Rewards
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases.
Ongoing APR
22.99% Variable
Annual Fee
$0
Chase Freedom Unlimited®
Intro APR
0% Intro APR on Purchases for 15 months
Ongoing APR
14.99% - 23.74% Variable
Rewards
Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Annual Fee
$0
Discover it® Miles
Intro APR
0% on Purchases and 10.99% on Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable
Rewards
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
Annual Fee
$0
Southwest Rapid Rewards® Priority Credit Card
Intro bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Rewards
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$149
Capital One® QuicksilverOne® Cash Rewards Credit Card
Intro bonus
N/A*
Rewards
1.5% Cash Back on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$39
Discover it® Student Cash Back
Intro APR
0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable
Rewards
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Annual Fee
$0
Chase Sapphire Reserve®
Intro bonus
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Ongoing APR
16.99% - 23.99% Variable
Annual Fee
$550
Capital One® Venture® Rewards Credit Card
Intro bonus
N/A*
Rewards
2x Miles per dollar on every purchase, every day
Ongoing APR
17.24% - 24.49% (Variable)
Annual Fee
$95
Citi® Double Cash Card - 18 month BT offer
Intro APR
0% for 18 months on Balance Transfers
Ongoing APR
13.99% - 23.99% (Variable)
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee
$0
Discover it® Student chrome
Intro APR
0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable
Rewards
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Annual Fee
$0
Citi Rewards+℠ Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
13.49% - 23.49% (Variable)
Rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Annual Fee
$0
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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Rewards credit card basics
Rewards credit card categories
Common rewards categories include groceries, gas, and dining. Some issuers rotate categories, giving higher reward percentages during different periods within a year. Others may even allow you to choose your own categories. This can be advantageous if you know you have a big purchase coming up, such as buying new furniture.
What to look for in a rewards credit card
With so many credit card choices available, finding the best credit card for you has become increasingly difficult. When selecting a rewards cards, maximizing rewards can be more than identifying where you like to spend most, such as whether you prefer discounts on merchandise, cash back, or a rewards system to help you save for a vacation. The terms and conditions should also be considered when qualifying for rewards. There could be a minimum number of transactions or amounts required, there could be sign-up bonuses, and there could be caps on qualifying purchases. There may also be other restrictions on how and when you can redeem rewards. Even the APR could be a factor, because you would want to avoid paying more in fees and charges than the reward amounts you receive.
Types of credit card rewards
Understanding the benefits of a rewards credit card can help you decide which is right for you. Generally, rewards credit cards are based on common spending habits.
- Cash back rewards: For purchases made, cash back is a percentage of the purchase that is refunded back to you. Typically, it can range from 1 to 5 percent, and can vary depending on the category of purchase. For example, you could receive 3% on gas, 2% back on groceries, and 1% everywhere else. And, with some issuers, categories can also rotate over time, and qualifying purchases could also be capped at set amounts.
- Travel rewards: Travel is one of the more popular categories where points are rewarded for qualifying purchases. Rewards can be redeemed for a set amount of points, and can be used to for flights, hotel rooms, discounts on dining, and rental car savings. Depending on the issuer, limitations could vary, such as which airline carriers points can be redeemed with.
- Retail rewards: There are generally two types of retail reward cards. The first, also known as store credit cards are typically restricted to a specific retailer, where some may offer redeemable points, and some may offer discounts that are not available through other payment options. Other retail cards include those that are issued by a bank, where points can be earned from multiple brands, but typically with higher rewards for specific brands.
- Gas rewards: Similar to retail rewards, gas rewards can be either brand specific or more general. The rewards are typically rebates on qualified purchases at gas stations or cash back for those purchases. Some brands will also offer discounts when purchasing from them.
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