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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. Other rewards credit cards let you earn rebates that can be used towards paying down your mortgage principal or even to help offset carbon dioxide (CO2) emissions.
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® Diamond Preferred® Rewards Card
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- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months
- 1 point for every $1 spent on all other purchases
- $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening
- Free rewards program
- $0 liability on unauthorized purchases
- Citi® Identity Theft Solutions
- Price Protection Program
- Balance transfer fee applies with this offer
- 0% APR* on balance transfers for up to 12 months
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for up to 12 mo. |
10.49%* |
None |
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Blue from American Express®
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- 0% intro APR on purchases for up to 15 months
- Low balance transfer APR—4.99% fixed APR for the life of the balance
- Membership Rewards Express® program
- Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 15 mo. |
4.99% with application |
10.24% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
14.99% |
None |
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Disney's Rewards® Visa® Card from Chase
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- Earn rewards with your everyday purchases that can be redeemed at Disney hotels, restaurants and theme parks and to buy Disney DVDs, toys and more
- 0% introductory APR for up to 12 months
- 0% APR financing for up to 6 months on select Disney vacation packages
- $15 Disney Store Gift Card upon first use of your card
- No annual fee
- No block-out dates
- Choose your card design
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
$125* |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
$95* |
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Chase Flexible Rewards Platinum Visa® Card
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| Earn travel fast - all your purchases earn you points |
- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays, or car rentals
- 0% introductory APR for up to 12 months**
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99%* |
None |
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Capital One® No Hassle PointsSM Rewards
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| Rewards everyday—for customers with excellent credit |
- Earn 2 points per dollar spent at gas stations, major grocery and drug stores
- 1 point for every dollar spent on other purchases
- 13.9%% APR on purchases and balance transfers
- Points won’t expire for the life of your account and there’s no limit to the number of points you can earn
- For customers with excellent credit
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% |
None |
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Citi® Home Rebate Platinum Select® MasterCard®
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- Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
- Receive 1% on all other purchases
- Rebate automatically applied to your mortgage principal
- No cap or limits on the amount of rebates you can accumulate in a year
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo. |
8.99% |
None |
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Maximum RewardsSM Platinum Edition® Visa®
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| Earn rewards with every purchase* |
- Earn 5000 Bonus Points upon first usage within the first 3 billing cycles after your account is opened*
- Earn 1 point per dollar spent*
- Huge array of redemption rewards
- Online access to view transactions, pay your bill, view up to 7 years of prior statements and more
- 0% APR* on purchases for 12 billing cycles after your account is opened
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo.* |
None |
9.99% |
None |
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HSBC MasterCard® with Cash or Fly Rewards
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- Earn 1 point for every dollar of net retail purchases, everywhere you shop
- Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points
- Or redeem points for 1% cash back
- Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
- No earnings caps
- No annual fee, for qualifying applicants*
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo.* |
0% for 12 mo.* |
8.99% |
None* |
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Brighter Planet™ Visa® Credit Card
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| Help build renewable energy projects with every purchase |
- Earn points with every purchase to offset carbon dioxide (CO2) emissions**
- Earn 1 EarthSmart™ Point for every $1 spent in net retail purchases*
- Points are automatically redemmed monthly to help fund community-based renewable energy projects across the United States*
- Earn 50% more points with a match by Bank of America through December 2008*
- Earn 1,000 EarthSmart™ bonus points with your first transaction
- No annual fee
- Card issued by FIA Card Services, NA
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
9.99%/15.99% |
None |
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Business Credit Cards With Rewards and Cash Back
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Advanta Platinum Business Card with Cash Back OR Travel Rewards
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| Choose Your Rewards - Cash Back or Bonus Miles for Free Travel |
- Choice of 5% cash back or travel rewards*
- 0% APR for 15 months on balance transfers, 7.99% fixed APR thereafter
- 7.99% variable APR on purchases
- No limit on earnings
- Personalized card – your company name on the top of the card
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 15 mo. |
7.99%* |
None |
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American Express SimplyCashSM Business Card
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- Earn 5% cash back on gas, office supplies and wireless services
- Earn 1% on cash back on virtually all other purchases
- 0% introductory APR on purchases for the first 12 months
- No limits to the cash back you can earn
- Cash back is automatically credited to the statement each month
- Flexibility to pay in full or carry a balance
- OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
7.99% for l.o.b.* |
6% |
None |
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Advanta Platinum Business Card with Cash Back
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- Earn up to 5% Cash Back*
- 0% APR for 15 months on balance transfers
- 7.99% fixed APR on balance transfers thereafter
- 7.99% variable APR on purchases
- Earn 5% Cash Back on gasoline and diesel fuel, computers, computer supplies, electronics and office supplies, utilities and telecommunications*
- Earn up to 1% on all other purchases
- Personalized card – your company name on the top of the card
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Discover® Business Card
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- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
- Earn 5 to 20% Cashback Bonus® at top retailers through Discover’s exclusive online shopping site
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
13.99% |
None |
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The Platinum Business Credit Card
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- 0% introductory APR on purchases for the first 12 months
- Option to enroll in fee-free Membership Rewards Express® program
- There's no limit to the number of points you can earn
- OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
- Option to pay over time or in full
- Fee-free Additional Cards
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
4.99% with application |
8.99% |
None |
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Business Gold Rewards Card from OPENSM the small business team
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| Business ownership has become more rewarding |
- No limit to the number of Membership Rewards® points you can earn, plus up to 40,000 bonus points* in your first year
- Points have no expiration date
- Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
- No finance charges
- Discounts with FedEx, Delta®, Courtyard by Marriott®, and more
- Automatic complimentary enrollment in the Membership Rewards program
- No pre-set spending limit*
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
$125* |
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CitiBusiness® Card
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- 0% APR on purchases and balance transfers for 12 months*
- Business-size credit line
- Free additional cards for employees with credit limits you set*
- Savings on everyday business purchases
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
7.99% |
None |
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Chase Business Rebate Card
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- Introductory fixed 0% APR for up to 12 months on purchases and balance transfers*
- Earn a full 3% cash back at restaurants, office supply stores, gas stations, building supply stores, hardware and home improvement centers
- Earn 1% cash back for everything else
- Visa Business Partner Advantage program
- Travel accident insurance
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Citi® ProfessionalSM Cash Card
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- Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals
- Plus earn 1% cash back on other purchases*
- 0% APR on purchases for 12 months*
- Online expense organizer helps track, categorize and report expenses for billing, reimbursement and taxes
- Quarterly and annual account summaries and categorized statements at no additional cost
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
None |
9.99% |
None |
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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 10% 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.
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