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® VentureOne® Rewards Credit Card 
 

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
  
 Intro Purchase APR
0% ""until September 2015*
Intro Balance Trans. APR
N/A*
APR
11.9% - 19.9% (V)
Annual Fee
$0
 



 Discover it® 
 

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover \'Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie\' by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking \'Apply.\'
  
 Intro Purchase APR
0% for 14 months*
Intro Balance Trans. APR
0% for 14 months*
APR
10.99% - 22.99% 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.