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Earn Rewards and Rebates with These Cards
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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
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Capital One® VentureOneSM Rewards Credit Card
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- 1.25 miles per dollar on every purchase, every day
- 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
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until February 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Here" button or call 1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% until February 2011 |
None |
13.9% Variable |
None |
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Discover® More® Card
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- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 months* |
0%* for 12 months* |
11.99%*
Variable |
None* |
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Capital One® No Hassle CashSM Rewards - Excellent Credit
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- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards for statement credit, check or gift card
- Get your cash back whenever you want, even set up automatic redemption
- 0% APR on purchases until February 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Here" button or call
1-866-582-0808
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% until February 2011 |
None |
14.9%
Variable |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
None* |
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Chase FreedomSM
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- 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores
- Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
- Up to an additional 20% cash back at select merchants when you shop online through Chase
- 0% Intro APR and No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for up to 6 mo. |
0% for up to 12 mo. |
12.99% Variable |
None |
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Discover® More® Card - $50 Cashback Bonus®
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- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- Get $50 Cashback Bonus after your first $599 in purchases
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 12 mo.* |
12.99%* Variable |
None* |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
$60* |
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Citi Forward® Card
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- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for for 7 months on purchases and balance transfers.
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% for 7 mo. |
0% for 7 mo. |
14.24% Variable |
None |
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Starwood Preferred Guest(R) Credit Card from American Express
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR |
Annual Fee |
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See Terms* |
See Terms* |
15.24% |
See Terms* |
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Blue Cash(R) from American Express
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- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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See Terms* |
See Terms* |
17.24% |
None |
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PartnersFirst Cash Back Visa® Credit Card
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- Get a $50 statement credit, when you spend $100 on purchases within 60 days on the card.*
- Earn 1% cash back on every purchase and customize your card with your favorite photo!
*Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Credit will be applied to your account within 4 to 6 weeks following promotional period. Offer valid for new cardholders through this promotion only. Not valid for existing PartnersFirst Rewards cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires May 5, 2010. |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% Variable |
None |
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Blue Sky from American Express(R)
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- 0% Intro APR for 6 months on purchases
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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See Terms* |
See Terms* |
17.24% |
None |
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American Express (R) Preferred Rewards Gold Card
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
None |
$125 |
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Discover® More® Card - American Flag
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- 0% APR on Balance Transfers and Purchases for a full 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
None* |
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PenFed Premium Travel Rewards American Express® Card
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- 5 Points for Every $1 Spent on Airfare!
- 3 Points on Hotels and Dining (through December 31, 2010)
- Automatic enrollment in PenFed Premium Rewards Program
- Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
- 24/7 Premium Concierge Service
- Exclusive Travel Upgrades and Offers
- Redeem on any Airline; no black-out dates or restrictions
- Spend $650 in the First Three Months and Receive 20,000 bonus points
- No Foreign Transaction Fees!
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
4.99%-6.99%* for 24 mo. |
13.24% |
$50 |
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PenFed VISA Platinum Gas / Cash Rewards Card
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- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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APR as low as |
Annual Fee |
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None |
4.99%-6.99%* for 24 mo. |
13.99% |
None |
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Chase SapphireSM
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- Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel and purchase protection benefits
- All of this for no annual fee!
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
12.24% Variable |
None |
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Chase Sapphire Preferred Card
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- Earn $150 in rewards - that's 15,000 bonus points after you spend $1,000 in the first 3 months!
- Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
- Points are worth 25% more when you redeem for travel
- 7% annual points dividend - earn points on your points
- 1:1 points transfer to leading airline and hotel programs
- 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel services such as Trip Cancellation Insurance and Chase Global Lifeline.
- All of this for an $85 annual fee - waived the first year!
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
12.24% Variable |
See Terms* |
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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 for an introductory period. Businesses can benefit from business credit cards that offer many kinds of rewards and special features for businesses.
Click here for More Information
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