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.

 BuyPower Card from Capital One® 
 

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% — 19.9% variable APR on purchases will apply
  
 Intro Purchase APR
0% for 12 months*
Intro Balance Trans. APR
N/A*
APR
11.9% - 19.9% (V)
Annual Fee
$0
 



 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 February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
  
 Intro Purchase APR
0% ""until February 2016*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (Variable)
Annual Fee
$0
 



 Marriott Rewards® Premier Credit Card 
 

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.99% Variable
Annual Fee
$0 Intro Annual Fee for the first year, then $85
 



 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
 



 Sony Card from Capital One® 
 

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
  
 Intro Purchase APR
0% ""until February 2016*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (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.
  • Travel Advisor Fee: $25
  
 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.
  • Travel Advisor Fee: $25
  
 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 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.
  • Travel Advisor Fee: $25
  
 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 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.
  • Travel Advisor Fee: $25
  
 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.
  
 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.
  
 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.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



VN:F [1.9.22_1171]
Rating: 5.0/5 (2 votes cast)
Rewards Credit Cards, 5.0 out of 5 based on 2 ratings

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.