Rewards Credit Cards


Are you looking for the best rewards credit card? There are literally too many rewards cards to count online. Most of them offer different types of rewards such as cash back, flyer miles, travel rewards, and points. The nice thing about these cards are that you get rewarded for the purchases you make everyday. With so many to choose from we decided to do the research and put together a list of the Top rewards cards that we feel offers the best overall value to consumers.

The major issuing banks have been really competitive with the credit card rewards that they offer. They are all trying to win over the wallets of cardholders. That has been great news for consumers because the quality of the rewards being offered have never been better. When we created our list we took into account not only the rewards being offered, but also the interest rates and any annual fees of the cards. Please review our Top 5 Rewards Credit Cards list and select the card that is right for you.

 Capital One® QuicksilverOne® Cash Rewards Credit Card 
 

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  
 Intro Purchase APR
0% ""until April 2016*
Intro Balance Trans. APR
0% ""until April 2016*
APR
22.9% (Variable)
Annual Fee
$39
 



 PlayStation® Card from Capital One®  
 

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres, & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, & more
  • 0% intro APR on purchases until May 2016, 13.9% - 24.9% variable APR after that
  • No annual fee
  
 Intro Purchase APR
0% ""until May 2016*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (Variable)
Annual Fee
$0
 



 Simmons Bank Visa® Platinum Rewards 
 

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
None for None*
APR
9.25% (Variable)
Annual Fee
$0
 



 USAA Rewards™ Visa® 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



 Capital One® Quicksilver® Cash Rewards Credit Card 
 

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
  
 Intro Purchase APR
0% ""until April 2016*
Intro Balance Trans. APR
0% ""until April 2016*
APR
12.9% - 22.9% (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Select+ American Express® Card 
 

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0% for 9 billing cycles on Balance Transfers*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Select+ American Express® Card 
 

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0% for 9 billing cycles on Balance Transfers*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Travel Rewards American Express® Card 
 

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0 for the first year, then $49*
 



 U.S. Bank FlexPerks® Travel Rewards American Express® Card 
 

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0 for the first year, then $49*
 



 USAA Rewards™ American Express® Card 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



 USAA Cash Rewards® American Express® Card 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



 USAA Cash Rewards® Visa® 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



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Advantages of Credit Card Rewards

There are financial gurus that talk about how paying for everything in cash is the way to go. The true secret to financial freedom is self control. Credit cards aren’t the problem, rather it is how you use them. If you can pay your bill off monthly, credit cards can offer a world of advantages. If you can earn rewards for the purchases you make everyday, wouldn’t that interest you? You can earn cash back, airline miles, or reward points just by using a credit card. Those rewards can help pay for a trip, put cash in your pocket, or even get you free merchandise. To get the greatest benefit you wouldn’t want to carry a balance and pay interest. It would be best to set aside the cash you would have used and put that towards your credit card bill.

Selecting the Best Rewards Credit Card

There are literally hundreds of different rewards credit cards available, but how do you know which cards will provide you the best rewards? First you need to decide what type of reward is best for you. Once you made your choice between airline miles, cash back, or reward points, then you need to look at the features that those cards have to offer. When we developed our rankings, we took into account annual fee, introductory rates, on-going interest rates, and how quickly you can earn rewards. All that can be a lot to consider for someone who doesn’t review cards on a daily basis. For this reason we formed our Top 5 Rewards Card list.

The Different Types of Reward Cards

There are three main types of credit card rewards. The most popular type would be cash back. If you prefer the ultimate flexibility that cash offers, a cash back credit card might be your choice. The second most popular would be earning travel rewards. If you like taking trips and want to save for a vacation, airline miles or hotel points might be right for you. Finally there are reward points. In most instances you can use reward points to receive free merchandise, gift cards, airline tickets, cash back, and more. While points do offer flexibility, if they are used for airline tickets or cash back, they generally don’t redeem at the same rate as if you had a card that specialized in that type of reward. So if you prefer to earn cash back or airline miles, we recommend you choice a reward card that has that feature as the main focus.