Credit Cards» Rewards Credit Cards

Rewards Credit Cards

  • What is a rewards credit card?
  • Who should get one?
  • Is my credit good enough?
  • Tips on Rewards cards

What is a rewards credit card?

Rewards cards from our partners offer perks tailored to your likes. There are cards that offer cash-back, airline miles, even free meals at restaurants, saving you cash on your most wanted items. Many cards with rewards also offer bonuses for spending a certain amount within the first few months.

But while some of these cards offer 0% APR introductory periods, they typically carry higher interest rates than other cards once the intro period is up. Be careful though, these cards can come with high interest rates, which can negate your rewards if you typically carry a balance.

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Who should get one?

Want to reap rewards for the purchases you make on a daily basis? The best reward cards from our partners offer cash back, airline miles and points that can be used in myriad ways with every swipe of your plastic. These cards give you the opportunity to get something back for your daily purchases, allowing you to take advantage of your spending habits.

These cards are ideal for individuals with excellent credit who generally pay off their balance in full each month. They are also beneficial to those who frequently spend in particular categories. With reward cards, your regular everyday spending habits get you perks to be used on what you'd like.

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Is my credit good enough?

While some of these cards are offered to those with fair credit, the large majority go to those with good to excellent credit. If your credit isn't in great shape, you may not qualify.

Tips on Rewards cards

When browsing card options, consider the types of rewards that apply most to your lifestyle. If you frequently travel, consider an airline or gas card. If your spending is more general, consider cash-back cards.

Keep in mind that not all reward cards are created equal. Some come with annual fees that can negate a percentage of your perks. Carrying a balance can also cause the bonuses you achieve to go out the window.

It's important to compare cards thoroughly before applying. Look over our broad list of reward credit cards to start earning perks today.

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Advertiser Disclosure

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

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The Business Gold Rewards Card from American Express OPEN
on American Express's
secure website
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
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Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
$0 introductory annual fee for the first year, then $175
Excellent Credit
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Chase Freedom®
on Chase's
secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good
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Apply Now
Premier Rewards Gold Card from American Express
on American Express's
secure website, or call
877-915-6387
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
Introductory annual fee of $0 for the first year, then $195.
Excellent/Good
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Barclays Arrival® Premier World Elite Mastercard®
on Barclays's
secure website
  • 75,000 miles each year if you spend $25,000 on purchases
  • After that, keep earning unlimited 2X miles on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 800 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
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Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
17.49%, 21.49% Or 24.49% Variable
$150
Good/Excellent
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The Amex EveryDay® Credit Card from American Express
on American Express's
secure website, or call
877-217-0904
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.74%-25.74% Variable
$0
Excellent/Good
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The Platinum Card® from American Express
on American Express's
secure website
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • $550 annual fee.
  • Terms Apply.
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Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
$550
Excellent/Good
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Apply Now
The Business Platinum® Card from American Express OPEN
on American Express's
secure website, or call
866-482-2805
  • Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
$450
Excellent Credit
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Apply Now
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
on Citi's
secure website
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • New: Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • New: Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • New: Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
17.74% - 25.74%* Variable
$99, waived for first 12 months*
Excellent/Good
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Blue Cash Preferred® Card from American Express
on American Express's
secure website, or call
877-915-6641
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
12 Months
Intro APR Period
0% On Balance Transfers
Intro APR
12 Months
Intro APR Period
14.74%-25.74% Variable
$95
Excellent,Good
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Apply Now
The Plum Card® from American Express OPEN
on American Express's
secure website, or call
866-496-4761
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
$0 introductory annual fee your first year, then $250
Excellent Credit