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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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Citi® Dividend Platinum Select® MasterCard® |
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
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Intro Purchase APR
None |
Intro Balance Trans. APR
0% for 15 months* |
APR
12.99% - 20.99% (V) |
Annual Fee
None |
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Citi® Diamond Preferred® Rewards Card |
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- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*"
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 12 months* |
APR
12.99% - 20.99% (V) |
Annual Fee
None |
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Capital One® VentureSM Rewards Credit Card |
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- 2 miles per dollar on every purchase, every day
- 10,000 bonus miles when you spend $1,000 in your first 3 months
- 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
- Exclusive award-winning customer service
- Visa Signature® benefits like complimentary concierge and travel upgrades
- First year's annual fee is on us
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
13.9% Variable |
Annual Fee
$59 |
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Chase Freedom® Visa - $100 Bonus Cash Back |
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- Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
12.99% - 22.99% Variable* |
Annual Fee
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% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
0% until August 2011 |
Intro Balance Trans. APR
None |
APR
14.9% Variable |
Annual Fee
None |
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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 August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
0% until August 2011 |
Intro Balance Trans. APR
None |
APR
13.9% Variable |
Annual Fee
None |
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Escape by Discover® Card |
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- 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and the Miles don't expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- Industry Leading Customer Service
- Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 6 months* |
APR
10.99% - 16.99%
(Variable)* |
Annual Fee
$60* |
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Starwood Preferred Guest® Credit Card from American Express |
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- Earn up to 25,000 Starpoints ® - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® 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® - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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Intro Purchase APR
See Terms* |
Intro Balance Trans. APR
See Terms* |
APR as low as
15.24% variable |
Annual Fee
See Terms* |
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Blue Cash® from American Express |
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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
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Intro Purchase APR
See Terms* |
Intro Balance Trans. APR
See Terms* |
APR as low as
17.24%-21.24% Variable |
Annual Fee
None |
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Miles by Discover® Card |
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- 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don't expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- 0%* intro APR on purchases and balance transfers for 6 months, then the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 6 months* |
APR
10.99% - 16.99%
(Variable)* |
Annual Fee
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
None |
Intro Balance Trans. APR
None |
APR
12.24% Variable* |
Annual Fee
None |
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Chase Sapphire Preferred Card |
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- Earn a FREE FLIGHT - that's 25,000 bonus points after you spend $3,000 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 through Ultimate Rewards
- 7% annual points dividend - earn bonus points on your points
- 1:1 points transfer to leading airline and hotel programs
- 24/7 Dedicated expert service advisors (No voice recording)
- No Annual Fee for your first year - An $85 value
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
12.24% Variable* |
Annual Fee
See Terms* |
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Discover® More Card |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 15 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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American Express® Premier Rewards Gold Card |
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- 3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- No annual fee for your first year, a savings of $175
- Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year
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Intro Purchase APR
N/A |
Intro Balance Trans. APR
N/A |
APR
N/A |
Annual Fee
See Terms* |
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American Express® Gold Card |
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- Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership redeemable for select gift cards valued at $100!
- The Membership Rewards program Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining 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 60 seconds.
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Intro Purchase APR
N/A |
Intro Balance Trans. APR
N/A |
APR
N/A |
Annual Fee
$125 |
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Citi Forward® Card |
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- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- 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.
- No Annual Fee
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Intro Purchase APR
0% if you qualify for 7 months* |
Intro Balance Trans. APR
0% if you qualify for 12 months* |
APR
12.99 - 19.99% (V) |
Annual Fee
None |
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Blue Sky from American Express® |
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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company
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Intro Purchase APR
See Terms* |
Intro Balance Trans. APR
See Terms* |
APR as low as
17.24%-21.24% Variable |
Annual Fee
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. Click here to learn more.
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Intro Purchase APR
None |
Intro Balance Trans. APR
4.99%-6.99%* for 24 mo. |
APR as low as
13.24% |
Annual Fee
$50 |
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Guide to Reward Credit Cards
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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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