Credit Card Guide
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Reward Credit Cards That Earn Points

Use reward credit cards to earn points that can be redeemed for many kinds of rewards. Points are awarded based on your purchases and can be redeemed for merchandise, cash back, airline travel, hotel stays, and other kinds of rewards, depending on the card you choose. Some reward credit cards earn additional points for certain kinds of purchases, and many also offer a 0% introductory APR.


 
     

 
 
Chase Sapphire® Card
Chase Sapphire® Card

Apply Here

 

  • Click "APPLY HERE" to apply online or call 1-888-838-5785
  • Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
  • 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to expert service advisors (No voice recording)
  • No annual fee!
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.24%* (Variable)
Annual Fee
$0*

Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards
  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
12.99%-22.99%* (Variable)
Annual Fee
$0*

American Express® Premier Rewards Gold Card
  • Click "APPLY HERE" to apply online or call 866-419-6673
  • Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
  • Introductory annual fee of $0 for the first year, then $175
  • Get approved in 60-seconds.
Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
N/A
Annual Fee
Introductory annual fee of $0 for the first year then $175

PenFed Premium Travel Rewards American Express® Card
PenFed Premium Travel Rewards American Express® Card

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  • No annual fee
  • 5x points on airfare purchases and 1x points on all other purchases
  • 20,000 bonus points upon spending $650 in the first 3 months
  • Complimentary concierge service
  • Exceptional travel offers and discounts
  • VIP airport lounge access with $15,000 in annual spend
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join.
Intro Purchase APR
None
Intro Balance Trans. APR
4.99%-6.99%* for 24 mo.
APR
13.24%
Annual Fee
$0

Capital One® Cash
Capital One® Cash

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  • Click "APPLY HERE" to apply online or call 1-866-582-0808
  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until February 2013
Intro Purchase APR
0% until February 2013*
Intro Balance Trans. APR
0% until February 2013*
APR
12.9% - 20.9% (V)*
Annual Fee
$0*

MTV® Visa® Card From Capital One®
MTV® Visa® Card From Capital One®

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  • To apply online click the “Apply Now” button or call 1-866-582-0808
  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Also, redeem for travel, merchandise, gift cards and more
  • No limit on the points you can earn and points don't expire
  • 0% intro APR-pay no interest on purchases until February 2013
  • No annual fee
Intro Purchase APR
0% until February 2013*
Intro Balance Trans. APR
N/A*
APR
13.9% - 19.9% (V)*
Annual Fee
$0*

Starwood Preferred Guest® Credit Card
Starwood Preferred Guest® Credit Card

Apply Here

 

  • Click "APPLY HERE" to apply online or call 866-419-6673
  • Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free night
  • Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
  • 2011 SmarterTravel® Award for "Best Travel Rewards Card"
  • $0 introductory annual fee for the first year, then $65
Intro Purchase APR
See Terms*
Intro Balance Trans. APR
See Terms*
APR
15.24% - 19.24% variable
Annual Fee
$0 introductory annual fee for the first year, then $65

Chase Sapphire® Preferred Card
Chase Sapphire® Preferred Card

Apply Here

 

  • Click "APPLY HERE" to apply online or call 1-888-848-0509
  • Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
  • No foreign transaction fees
  • Earn a 7% annual points dividend - even on points already redeemed
  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value
  • 24/7 direct access to expert service advisors (No voice recording)
  • No Annual Fee for your first year - A $95 value
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.24%* (Variable)
Annual Fee
$95, Waived the first year*

American Express® Gold Card
American Express® Gold Card

Apply Here

 

  • Click "APPLY HERE" to apply online or call 866-419-6673
  • Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
  • Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
  • Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Get approved in 60-seconds.
Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
N/A
Annual Fee
$125 annual fee

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

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  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Purchase APR
0% for 12 months*
Intro Balance Trans. APR
0% for 12 months*
APR
12.99% - 22.99%* (Variable)
Annual Fee
$0*

Chase Freedom® Visa - $100 Bonus Cash Back
Chase Freedom® Visa - $100 Bonus Cash Back

Apply Here

 

  • Click "APPLY NOW" to apply online or call 866-688-6609
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Intro Purchase APR
0% for 6 months*
Intro Balance Trans. APR
0% for 6 months*
APR
11.99% - 22.99%* (Variable)
Annual Fee
$0*

Citi® Hilton HHonors™ Visa Signature® Card
Citi® Hilton HHonors™ Visa Signature® Card

Apply Here

 

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
14.24% or 16.24%* (Variable)
Annual Fee
$0*

Capital One® Orbitz® Visa® Platinum
Capital One® Orbitz® Visa® Platinum

Apply Here

 

  • To apply online click the "Apply Now" button or call 1-866-582-0808
  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • Bonus points on eligible Orbitz.com bookings
  • No limit on the points you can earn and points don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • Earn travel quickly with low redemption minimums
  • 250 point refueling bonus when you redeem points for awards
  • No annual fee
Intro Purchase APR
0% until February 2013*
Intro Balance Trans. APR
N/A*
APR
13.9% - 19.9% (V)*
Annual Fee
$0*

Citi ThankYou® Premier Rewards Card
Citi ThankYou® Premier Rewards Card

Apply Here

 

  • Earn 30,000 bonus ThankYou® Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards
  • 1 ThankYou Point for every $1 you spend on purchases
  • Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card
  • No foreign transaction fee on purchases*
  • Annual complimentary domestic companion ticket, within the continental USA, when booked through our travel benefits provider, Spirit Incentives
  • No points cap and no expiration of points
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
13.99%-22.99%*
(Variable)
Annual Fee
$125; waived for the first year*

Chase Freedom® Visa - $200 Bonus Cash Back
Chase Freedom® Visa - $200 Bonus Cash Back

Apply Here

 

  • Click "APPLY HERE" to apply online or call 800-679-8405
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.99% - 22.99%* (Variable)
Annual Fee
$0*

LSU Tigers™ Platinum Mastercard® from Capital One®
LSU Tigers™ Platinum Mastercard® from Capital One®

Apply Here

 

  • 2 points per $1 on purchases at gas stations and major grocery stores
  • 1 point per $1 spent on all other purchases
  • No limit on the points you can earn and points don't expire
  • Redeem for travel, gift cards and merchandise
  • Choose from 2 unique LSU® card designs or create your own image card
  • 0% intro APR on purchases until February 2013
  • No annual fee
Intro Purchase APR
0% until February 2013*
Intro Balance Trans. APR
N/A*
APR
13.9% - 19.9% (V)*
Annual Fee
$0*

Sony Card from Capital One®
Sony Card from Capital One®

Apply Here

 

  • 5 points per $1 on Sony purchases at authorized retailers
  • 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, and more
  • Choose from 2 unique card designs
  • 0% intro APR on purchases until December 2012
  • No annual fee
Intro Purchase APR
0% until December 2012*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (V)*
Annual Fee
$0*

Citi Forward® Card
Citi Forward®  Card

Apply Here

 

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
Intro Purchase APR
0% for 7 months*
Intro Balance Trans. APR
0% for 12 months*
APR
12.99%-22.99%*
(Variable)
Annual Fee
$0*

 
     

 
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