Rewards Credit Cards
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42 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. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Luxury Card™ Mastercard® Gold Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
14.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 2% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$995
Capital One VentureOne Rewards Credit Card
Intro APR
0% on Purchases for 12 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
1.25x Miles per dollar on every purchase, every day
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee
$0
Discover it® Secured Credit Card
Intro bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR
22.99% Variable APR
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. Plus, earn 3X points on dining purchases for the first year.
Rewards
Earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. Earn 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$99
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 Chase travel purchased through Ultimate Rewards®, 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
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
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 APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Capital One Venture Rewards Credit Card
Intro bonus
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Rewards
2x Miles per dollar on every purchase, every day
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Ongoing APR
15.99% - 23.99% (Variable)
Annual Fee
$95
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
Luxury Card™ Mastercard® Black Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
14.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1.5% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com.
Annual Fee
$495
Capital One Walmart Rewards® Mastercard®
Intro bonus
N/A*
Rewards
5% Back at Walmart.com including Grocery Pickup and Delivery
Ongoing APR
17.99% - 26.99% (Variable)
Annual Fee
$0
Official NASCAR® Credit Card from Credit One Bank®
Intro bonus
N/A*
Rewards
1% Cash Back Rewards on Eligible Gas and Automotive Purchases* and Double Cash Back Rewards at the NASCAR Shop, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Luxury Card™ Mastercard® Titanium Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
14.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$195
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
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
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
Credit One Bank® Cash Back Rewards Credit Card
Intro bonus
N/A*
Rewards
Automatically earn 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Ongoing APR
23.99% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Southwest Rapid Rewards® Plus Credit Card
Intro bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining purchases for the first year.
Rewards
Earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. Earn 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$69
Capital One VentureOne Rewards for Good Credit
Intro bonus
N/A
Rewards
1.25x Miles per dollar on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Official NASCAR® Credit Card from Credit One Bank®
Intro bonus
N/A*
Rewards
1% Cash Back Rewards on Eligible Purchases* and Double Cash Back Rewards at the NASCAR Shop, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$39
Chase Freedom Unlimited®
Intro APR
0% Intro APR on Purchases for 15 months
Ongoing APR
14.99% - 23.74% Variable
Rewards
Earn 5% on Chase travel purchased through Ultimate Rewards®, 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
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
23.99% Variable
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 APR
Rewards
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Annual Fee
$0
Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% on Purchases for 15 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
1.5% Cash Back on every purchase, every day
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Upgrade Visa® Card with Cash Rewards
Intro bonus
N/A*
Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Ongoing APR
8.99% - 29.99%
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. Plus, earn 3X points on dining purchases for the first year.
Rewards
Earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. Earn 1 point per $1 spent on all other purchases.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$149
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
Petal® 1 "No Annual Fee" Visa® Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
19.99% - 29.49% Variable
Annual Fee
$0
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
Wells Fargo Active Cash℠ Card
Intro APR
0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR
14.99%-24.99% (Variable)
Rewards
Earn unlimited 2% cash rewards on purchases
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Annual Fee
$0
Discover it® Cash Back
Intro APR
0% on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% on Purchases for 15 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Credit One Bank Wander™ Card With No Annual Fee
Intro bonus
N/A*
Rewards
Earn 3x points on eligible Recreational & Amusement Park purchases, 2x on eligible restaurant & lodging purchases, and 1x points on all other purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$0
Citi Premier® Card
Intro bonus
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Rewards
Earn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels. Earn 1 Point on All Other Purchases.
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Ongoing APR
15.99% - 23.99% (Variable)
Annual Fee
$95
Discover it® chrome
Intro APR
0% on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Terms Apply.
Ongoing APR
23.99% Variable
Annual Fee
$95
Chase Sapphire Preferred® Card
Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Ongoing APR
15.99% - 22.99% Variable
Annual Fee
$95
Capital One SavorOne Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Citi Custom Cash℠ Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
13.99% – 23.99% (Variable)
Rewards
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Capital One Quicksilver Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
1.5% Cash Back on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Credit One Bank Wander™ Card
Intro bonus
N/A*
Rewards
Earn 5x points on eligible Recreational & Amusement Park purchases, 3x on eligible restaurant & lodging purchases, and 1x points on all other purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$95
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 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
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 APR
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$39
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order 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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