Points Rewards Credit Cards

For consumers looking for a credit card that comes with a flexible system of rewards, these are the most attractive credit cards that should be on your radar. All of the points rewards credit cards listed below offer the cardholder points on their transactions, and it’s up to you to decide how and when to redeem the points. Moreover, many of these cards offer extra points when making purchases in specified categories, which makes accruing large quantities of points almost effortless. The following are our most popular points credit cards offered by our partners:

Bank of America® Premium Rewards® credit card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

17.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$95

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Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
    • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
    • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
    • No limit to the points you can earn and your points don’t expire
    • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
    • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
    • No Foreign Transaction Fees
    • Low $95 annual fee

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

17.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$95

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

16.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$0

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
    • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
    • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

Introductory APR on purchases for 12 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

16.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$0

Citi ThankYou® Preferred Card for College Students

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Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

16.49% - 26.49%*
(Variable)

Annual Fee

$0*

Apply Now

Good Credit Needed

Benefits & KEY FEATURES Test

    • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.49% - 26.49% based upon your creditworthiness*
    • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
    • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
    • Earn 2X Points on Dining Out & Entertainment
    • Earn 1X Points on All Other Purchases
    • No expiration and no limit to the amount of points you can earn with this card
    • No annual fee*

Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
720

Intro APR Purchase

0%

for 7 months*

Intro APR for Balance Transfer

N/A

Regular APR

16.49% - 26.49%*

(Variable)

Annual Fee

$0*

Citi ThankYou® Preferred Card

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Excellent Credit Needed

Intro APR for Balance Transfer

0%
for 15 months

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Regular APR

15.49% - 25.49%*
(Variable)

Annual Fee

$0*

Apply Now

Excellent Credit Needed

Benefits & KEY FEATURES Test

    • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
    • Earn 2X Points on Dining Out & Entertainment
    • Earn 1X Points on All Other Purchases
    • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No annual fee*

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

0%

for 15 months*

Intro APR for Balance Transfer

0%

for 15 months

Regular APR

15.49% - 25.49%*

(Variable)

Annual Fee

$0*