Credit Card Guide
  SELECT A REWARDS CREDIT CARD AND APPLY ONLINE
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Earn Rewards and Rebates with These Cards

Reward credit cards let you leverage your spending into various rebates. Many cards reward you in points, which can be redeemed for such benefits as free hotel stays, merchandise, air travel, car rentals, gift certificates, and much more.

Choose the best rebate credit card for your needs from the wide selection below.

Other Credit Cards with Specific Reward Categories


Reward Point Cards Automobile Rewards Cards Gas Credit Cards
Hotel & Travel Rewards Cards Home Improvement Rewards Financial Rewards Cards
Retail and Brand Name Rewards Cards

 
     

 
 
Capital One® VentureOneSM Rewards Credit Card
Capital One® VentureOne(SM) Rewards Credit Card

Apply Here

 

  • To apply online click the “Apply Now” button or call 1-866-582-0808
  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • 0% intro APR on purchases until February 2013
  • No foreign transaction fees
  • No annual fee
Intro Purchase APR
0% until February 2013*
Intro Balance Trans. APR
N/A*
APR
11.9% - 19.9% (V)*
Annual Fee
$0*

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
  • $200 cash back after $500 in purchases within the first 3 months of account opening
  • 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.
  • 5% average cash back at select merchants through Citi Bonus Cash Center®
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
15.99% - 22.99%* (Variable)
Annual Fee
$0*

Capital One® Mastercard®
  • Get the credit you need with no processing fees or application fees
  • $0 Fraud Liability if your card is lost or stolen
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
  • Access your account 24/7
  • Monitor your spending with free e-mail and text message alerts
  • Automatic reporting to the 3 major credit bureaus
  • Find pre-qualified card offers in 60 seconds without affecting your credit score
Intro Purchase APR
See Terms*
Intro Balance Trans. APR
See Terms*
APR
10.9% - 24.9% (V)*
Annual Fee
See Terms*

Capital One® Cash
Capital One® Cash

Apply Here

 

  • 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*

Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards
Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards

Apply Here

 

  • $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*

Capital One® VentureSM Rewards Credit Card
Capital One® Venture(SM) Rewards Credit Card

Apply Here

 

  • To apply online click the “Apply Now” button or call 1-866-582-0808
  • Money® Magazine's "Most Rewarding Card if you crave free airline flights"
  • 2 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem your miles for ANY travel expense
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
11.9% - 19.9% (V)*
Annual Fee
$0 intro for first year;$59 after that*

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

Apply Here

 

  • $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*

United MileagePlus® Explorer Card
United MileagePlus® Explorer Card

Apply Here

 

  • Earn up to 40,000 bonus miles & first year free, a $95 value*
  • Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip
  • Board your flight before general boarding with priority boarding privileges
  • Visit the United Club with two complimentary day passes every year, up to a $100 value
  • Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else
  • Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase
  • Your miles don't expire and there is no limit to the number of miles you can earn
Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
14.24%* (Variable)
Annual Fee
$95, Waived the first year*

Capital One® No Hassle CashSM Rewards Credit Card
Capital One® No Hassle Cash(SM) Rewards Credit Card

Apply Here

 

  • To apply online click the “Apply Now” button or call 1-866-582-0808
  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • Get up to 15% more cash back when you shop online at select merchants through Perk Central
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards any time for any amount, even set up automatic redemption
  • 0% intro APR on purchases until November 2012
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection or add your own
  • See Rates and Disclosures
Intro Purchase APR
0% until November 2012*
Intro Balance Trans. APR
N/A*
APR
17.9% - 22.9% (V)*
Annual Fee
$39*

Delta Airlines- Gold Delta SkyMiles® Credit Card
Delta Airlines- Gold Delta SkyMiles® Credit Card

Apply Here

 

  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
  • $0 intro annual fee for the first year, then $95
  • Check your first bag Free- for up to 9 people on your reservation- on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
15.24% - 19.24% Variable
Annual Fee
$0 intro annual fee for the first year, then $95

 
     

 
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Guide to Reward Credit Cards
 

With reward credit cards, you can earn cash back or accumulate points towards a specific reward. There are many types of reward credit cards, so look for a card that offers the rewards that are the most attractive to you, and also gives you the greatest savings on your frequent purchases.

Earnings range from 1% to as high as 5% on your purchases, so it pays to look at your options. Take a careful look at the redemption options the card offers for the earnings you accumulate. Choose the card whose redemption options are most attractive to you to maximize the benefits the card offers. See the reward categories available here to get an idea of your choices.

Various cards give a higher rebate for everyday expenditures, up to 5%, for purchases at grocery stores, gas stations, drug store purchases, and other types of purchases. In some cases, the higher rate is only an introductory offer that expires after a few months. Read the terms and conditions on the credit card application to learn what the ongoing rewards structure is.

Many reward credit cards put a cap on the total earnings you can accumulate in a year. Most people will not hit that cap, but if you will be putting a lot of charges on the card, you may search for a card that has no cap (these are available for businesses mostly) or get more than one reward credit card.

A reward credit card is most advantageous when you are able to pay the balance in full at the end of each month. If you plan to keep a balance on your card, you may save more with a credit card that offers a low interest rate on an ongoing basis.

You may also be interested in cards that offer cash back, frequent flyer miles or 0 apr

 
     

 
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Don't Let Your Rewards Earnings Go Unused - Are you making the most of your rewards cards? If you have a habit of using only some of the rewards points you earn, you're not alone. Here are five tips for making sure you redeem the full value of your cards

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