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Rewards Credit Cards

There are many types of rewards credit cards available today. They include cash back, travel, gas rebates, discounts, dining, entertainment along with goods and services. All the major banks and financial institutions that currently issue credit cards offer rewards programs in one form or another.

Platinum Card® from American Express 25K Points when You Spend K in the First 3 Months


  • 25,000 Membership Rewards® points when you spend ,000 during your first three months of Card membership
  • GLOBAL Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass

American Express® Gold Card
Introductory Annual Fee for the First Year


  • Redeem Membership Rewards® points for an array of travel, shopping, dining, and entertainment rewards
  • Get exclusive access to tickets for select concerts, shows, sporting events, and more

Blue Sky From American Express® Earn 7,500 Points With ,000 in Spend within First 3 Months


  • Pay your bill all at once, or over time. It’s up to you.
  • Enjoy travel rewards free of restrictions and blackout dates – get points for flights on any airline, stays at any hotel, and car rentals with any company
  • No annual fee

Escape by Discover® Card


  • Earn up to 0 in travel rewards–1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% – 20.99%*

Chase Sapphire PreferredSM


  • Earn 40,000 bonus points after you spend ,000 in the first 3 months – that’s 0 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM

Miles by Discover® Card 20,000 Bonus Miles


  • Earn 10,000 Bonus Miles with every ,000 in purchases within the first 6 months – up to 20,000 Bonus Miles
  • 1 Mile on every you spend – Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% – 20.99%*

Hilton HHonors® SurpassSM Card Get Rewarded from Day One & Earn HHonors Bonus Points


  • Earn Up To 60,000 bonus points
  • Earn 40,000 bonus with first purchase; Earn 20,000 bonus points when you spend ,000 in the first 90 days
  • Rely on 24/7 emergency assistance worldwide

Southwest Airlines Rapid Rewards® Plus Credit Card FREE FLIGHT


  • NOW! Earn a FREE FLIGHT after your first purchase
  • Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a Wanna Get Away® Fare
  • Now you can redeem for International Travel, Hotels, Gift Cards and more

Rewards credit cards really do make sense and that is no doubt why they are so popular. After all, you are going to spend your money anyway on certain things so you may as well get a little extra something from it right? You bet! There are some important things to keep in mind however, as you search for the best credit card.

There is, of course, a cost for the convenience and benefits that a credit card gives. That cost comes in several different forms including interest rates, for those that carry a balance, and fees. If you pay your bill in full each and every month you don’t have to worry about the annual percentage rate (APR).
Fees, on the other hand, are a different story. The fact of the matter is that just about every credit card offer on the market today comes with one or more fees. These fees include annual fees, balance transfer fees, cash advance fees, late fees and so forth.

Another important point that must be made about rewards credit cards is that in some cases they will charge higher fees than other types of cards. The reason for this is that the credit card company requires additional revenue to offset the cost of the rewards being given to the cardholders.
Be very cognizant of that as you compare credit cards. Ask yourself if the costs you are paying justifies the rewards you’re getting. It’s a balancing act, there’s no question about it. That is why it is so important that you identify exactly what your needs are.
Be sure to carefully read the terms in the disclosure statement so you will know exactly what fees will apply to you. Likewise, you also need to be aware of the interest rates being charged. And bear in mind, the better your credit rating is, the lower your interest rates will be.

Earning rewards is fun and provides incentive to use rewards credit cards often and that is why credit card companies love them to. You don’t need an excellent credit score necessarily to take advantage of a credit card offering a rewards program, but it certainly does help.

Credit Cards wit Rewards

Rewards credit cards come in many forms including cash back, airline miles, gas rebates, shopping discounts and entertainment packages. All major credit card companies offer them and the options are many. It really boils down to which rewards program will be most beneficial to you so take your time to carefully compare the offers that interest you and be sure to familiarize yourself with the terms and conditions associated with each of those offers before you apply.

We all appreciate the convenience and security of using credit cards. It only makes sense that we take advantage of the benefits that they offer and earn valuable bonus points, rewards and discounts whenever and wherever we can.
There are certain purchases that we must make to sustain ourselves. For example, we all need to go to the grocery store for food. And for business owners, there are certain office supplies that are necessary.

Doesn’t it make sense to find a rewards credit card that has a partnership with the purveyors of the goods and services that you spend your money on? Sure it does. And there are many choices to be had so the chances are pretty good that you’ll find a card that will benefit you.

It is important to first identify exactly what your needs are as a consumer before even considering filling out an application. Once you have identified the goods and services that you spend your money on, you can then quickly narrow your search.

A credit card comparison website should have a category devoted specifically to rewards credit cards. There you can compare the features and decide which would serve your needs the best.

Examples of rewards types include:

  • Cash Back Bonus
  • Gas Rewards Cards
  • Travel Rewards
  • Hotel Reservation Rewards
  • Airline Miles Rewards
  • Frequent Flyer Miles
  • Gift Cards
  • Entertainment
  • Merchandise and Service

As you can see there are quite a few options to consider. That is why it is so very important to take the time to understand which ones will best serve you. There are, of course, some other very important details that must be taken into account as well.

Interest rates and fees are the primary costs of having a credit card. It is very important to know and understand what these costs are before you apply. You should also know whether or not the card is a variable rate APR or a fixed rate APR.

APR stands for annual percentage rate. It is the formula by which interest rates are calculated and is based on the Fed funds rate and government securities such as U.S. Treasury bills.

Other considerations include whether or not there is an introductory rate and, if it applies to you, a balance transfer option. Many credit card issuers will offer an introductory rate that is quite low, or even 0% APR. The introductory period is usually good for 6 months but can be longer or shorter depending upon the card.

Most of the major banks and credit card issuers, including American Express, Chase, Discover, Visa and MasterCard branded cards offer rewards and bonuses on some or all of their cards.

Carefully read the details in the disclosure statement so that the terms of having an account are clear. Rewards credit cards can be a wonderful tool that not only meets the cardholder’s credit needs, but also can offer rewards as well.

Related Information:

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