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.

 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 authorized retailers, with purchase confirmation
  • 3 points per $1 spent on fast food 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 March 2017, 14.24% - 24.99% variable APR after that
  • No annual fee
  
 Intro Purchase APR
0% ""until March 2017*
Intro Balance Trans. APR
N/A*
APR
14.24% - 24.99% (Variable)
Annual Fee
$0
 



 Barclaycard Arrival™ World MasterCard® 
 

  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0%12 months (must be completed within first forty-five days of account opening)*
APR
16.24%, 20.24% or 24.24%* Variable
Annual Fee
$0
 



 Barclaycard Arrival Plus™ World Elite MasterCard® 
 

  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0%12 months (must be completed within first forty-five days of account opening)*
APR
16.24% or 20.24%* Variable
Annual Fee
$89 - Waived first year
 



 Simmons Bank Visa® Platinum Rewards 
 

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% 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
9.50% (Variable)
Annual Fee
$0
 



 USAA Rewards™ Visa® 
 

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, 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 10.15% 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
10.15%-26.15% (Variable)
Annual Fee
$0
 



 USAA Cash Rewards® Visa® 
 

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, 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 10.15% 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
10.15%-26.15% (Variable)
Annual Fee
$0
 



 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
  • 0% intro APR on purchases until February 2017; 23.24% variable APR after that
  • 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
  
 Intro Purchase APR
0% ""until February 2017*
Intro Balance Trans. APR
0% ""until February 2017*
APR
23.24% (Variable)
Annual Fee
$39
 



 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
  • 0% intro APR on purchases until February 2017; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  
 Intro Purchase APR
0% ""until February 2017*
Intro Balance Trans. APR
0% ""until February 2017*
APR
13.24% - 23.24% (Variable)
Annual Fee
$0
 



 USAA Rewards™ American Express® Card 
 

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, 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 10.15% 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
10.15%-26.15% (Variable)
Annual Fee
$0
 



 USAA Cash Rewards® American Express® Card 
 

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, 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 10.15% 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
10.15%-26.15% (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 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads, and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, & more
  • 0% intro APR on purchases until March 2017, 14.24% - 24.99% variable APR after that
  • No annual fee
  
 Intro Purchase APR
0% ""until March 2017*
Intro Balance Trans. APR
N/A*
APR
14.24% - 24.99% (Variable)
Annual Fee
$0
 



 Capital One® Card Finder Tool 
 

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
  
 Intro Purchase APR
See Terms for See Terms*
Intro Balance Trans. APR
See Terms for See Terms*
APR
Various Rates
Annual Fee
See Terms
 



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Rewards Credit Cards, 5.0 out of 5 based on 3 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.