Points Rewards Cards

A credit card with rewards offers the cardholder rebates, air miles, gift cards, or even merchandise for using their card for purchases. These cards can reward users in one particular retail category, such as restaurants, or across all categories. The following are the best credit card offers with rewards as selected by the CreditCards.org staff:

Chase Sapphire Preferred® Card Experts Choice Offer

40,000 bonus points after you spend $3,000 in the first 3 months- that's $500 toward travel rewards!
2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases
Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate RewardsSM
No foreign transaction fees
1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points
Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed
Direct access to expert service advisors anytime
Introductory Annual Fee of $0 the first year, then $95

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
N/A*	N/A*	15.24% (Variable)*	$0 1st year, then $95*	Excellent Credit*

Citi ThankYou® Preferred Rewards Card - $150 Gift Card

Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
Earn 1 ThankYou Point for every $1 you spend on all purchases
Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
No expiration and no limit on the points you can earn
0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
Travel with ease and enjoy global acceptance with Chip Technology
No annual fee*

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-12 mths*	0%-12 mths*	12.99%-22.99% (Variable)*	$0*	Good Credit*

Citi ThankYou® Card

Earn 1 ThankYou Point for every $1 you spend on purchases.
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
Enjoy no limit on the number of points you can earn
Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
Travel with ease and enjoy global acceptance with Chip Technology
No annual fee*

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-15 mths*	0%-15 mths*	12.99%-22.99% (Variable)*	$0*	Excellent Credit*

Chase Sapphire® Card

10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards!
2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases
Points never expire and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
Direct access to expert service advisors anytime
No Annual Fee!

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
N/A*	N/A*	15.24% (Variable)*	$0*	Excellent Credit*

BankAmericard Travel Rewards® Credit Card

Earn 10,000 bonus points when you spend $500 on purchases in the first 90 days of account opening, which can be $100 towards travel purchases.
Earn flexible travel points good for everything from flights to baggage fees
Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar
No limit to the total number of points you can earn and points don't expire
No annual fee
Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases
No foreign transaction fees
Chip Technology provides you expanded global acceptance when shopping anywhere you go, outside of the U.S.

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0% - 12 billing cycles*	N/A*	14.99%-22.99% Variable*	$0*	Excellent Credit*

*Regular APR applies to both purchases and balance transfers

Barclaycard® Rewards MasterCard® - Excellent Credit

Earn 5,000 points, equal to a $50 statement credit, after your first purchase or balance transfer
Earn 2 points per $1 on gas, grocery, and utility purchases
Earn 1 points per $1 everywhere else
Use the points you earn like cash to pay for almost any purchases you've made.
No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up
0% Introductory APR for 12 months on purchases and balance transfers
No annual fee
This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-12 mths*	0%-12 mths*	14.99%-24.99% (Variable)*	$0*	Excellent Credit*

Capital One® Cash Rewards - $100 Cash Back Bonus

$100 bonus after you spend $500 on purchases within 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 back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until May 2014.

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-until May 2014*	0%-until May 2014*	12.90%-20.90% (Variable)*	$0*	Excellent Credit*

Gold Delta SkyMiles® Credit Card from American Express

Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
$0 introductory annual fee for the first year, then $95.
Terms and Restrictions Apply.

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
none*	N/A*	15.24% - 19.24% Variable*	$0 intro annual fee for the first year, then $95*	Excellent Credit*

Starwood Preferred Guest® Business Credit Card from American Express

Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights - all with no blackout dates
Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
Earn 1 Starpoint® for each dollar of eligible purchases
$0 introductory annual fee for the first year, then $65
Terms and limitations apply

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
None*	N/A*	15.24% - 19.24% Variable*	$0 introductory annual fee for the first year, then $65*	Excellent Credit*

Capital One® Cash Rewards - Average Credit

50% bonus on the cash back you earn every year
1% cash back on all purchases
Earn unlimited cash back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases until February 2014

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-until February 2014*	N/A*	19.80% (Variable)*	$39*	Fair Credit*

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Credit Cards › Points Rewards Cards

Credit Rating	APR Avg
Excellent Credit	12.51%
Good Credit	16.57%
Fair Credit	20.87%
Bad/No Credit	34.26%