Rewards Credit Cards
These reward credit cards have special benefits for those who like to earn bonuses while they shop
How many ways would you like to be rewarded? Reward credit cards of 2012 offer credit card rewards programs in which you can choose merchandise, gift certificates, travel rewards and other goods and services.
There are many reward credit cards out there. Learn the different types and how their reward programs work. Many of these reward card offers below are subject to change or are only available for a limited time, so apply now to get the credit card that best matches your lifestyle.
American Express Premier Rewards Gold Card
- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
- Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
- $0 intro annual fee for the first year, then $175
- Get approved in 60-seconds
American Express® Gold Card
- Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
- Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more
- Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
- Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards
- Get approved in 60-seconds
Gold Delta SkyMiles® Credit Card from American Express
- Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
- $0 intro annual fee for the first year, then $95
- Check your first bag FREE - for up to 9 people on your reservation - on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Priority Boarding and 20% In-Flight Savings
American Express® Green Card - Introductory Annual Fee of $0 for the First Year!
- Earn 10,000 Bonus Points When You Spend $500 Within the Fist 3 Month of Card Membership
- Points don't expire, and there's no limit to how many points you can earn
- Up to 10X points when you shop Earn Hub at www.membershiprewards.com/earn
- 2X points for booking with American Express Travel
- 1 point for virtually every dollar you spend
- Charge Card with no pre-set spending limit
- No interest because you pay in full monthly
- Introductory annual fee of $0 for the first year, then $95
Platinum Card® from American Express
- 25,000 Membership Rewards® points when you spend $1,000 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
- Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fee
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Delta Reserve Credit Card - Enjoy Delta Sky Club® Access
- Earn up to 20,000 bonus miles with first purchase; Earn 5,000 bonus miles when you sign up for two additional cards
- Get a free checked bag for up to nine people in your reservation
- Receive a 20% savings on eligible in-flight purchases of food, beverages, movies, television shows, video games and audio headsets
The NEW Blue for Business® Credit Card from American Express OPEN
- Earn a Welcome Bonus of 10,000 bonus points after your first purchase
- Earn 10% more points the first year, Earn 20% more points the second year, Earn 30% more points every year after
- Get an introductory APR of 0% for up to 12 months
- No annual fee and no fee for Additional Cards for Employees
- Save 3% - 10% automatically on business expenses from FedEx, Hertz®, and more with OPEN Savings® discounts
- Enjoy the option to pay over time
Chase SapphireSM Preferred Card
- Limited Time Offer! - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
- 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases
- Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
- No foreign transaction fees
- Earn a 7% annual points dividend - even on points already redeemed
- Transfer points you've earned to participating frequent traveler programs at a 1:1 value
- 24/7 direct access to expert service advisers (No voice recording)
- No Annual Fee for your first year - A $95 value
Continental Airlines OnePass® Plus Card
- Earn up to 40,000 bonus miles & first year free ($95 value)*
- Now with priority boarding privileges on Continental and United flights
- Check your first bag for free on Continental and United flights, up to a $50 value
- Visit the United Club with two complimentary passes every year, a $100 value
- Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
- Your miles don't expire and there is no limit to the number of miles you can earn
Hilton HHonors® SurpassSM Card - Get Rewarded from Day One
- Earn Up To 60,000 bonus points
- Earn 40,000 bonus with first purchase; Earn 20,000 bonus points when you spend $3,000 in the first 90 days
- Rely on 24/7 emergency assistance worldwide
- Earn 9 HHonors Bonus Points for every eligible dollar spent at participating Hilton Worldwide portfolio of brands
- Earn 6 HHonors Bonus Points per dollar on everyday purchases at gas stations, drugstores, and more
- Earn 3 HHonors Bonus Points for every eligible dollar charged everywhere else
JetBlue Card from American Express - Jet a lot more, for Less!
- Get 10,000 TrueBlue® points with your first purchase
- Get up to 8 TrueBlue® points per eligible dollar spent on jetblue.com
- Get up to 6 points when you purchase a flight, and an additional 2 points when you use your JetBlue Card
- Earn 1 point for every eligible dollar you spend anywhere else
- There are no blackout dates on flights operated by JetBlue, so you can redeem points for any seat, anytime
Hilton HHonors® Card from American Express - No Annual Fee!
- Earn 40,000 bonus points when you spend $750 in the first 90 days
- Covers eligible purchases from theft, damage, and loss, up to $1,000 per occurrence, for up to 90 days
- Enjoy complimentary Silver status for the life of your membership
- You won't find blackout dates with Hilton HHonors. If a standard room is available, you can redeem points for it
- Earn 6 HHonors Bonus Points for every eligible dollar you spend at Hilton Worldwide portfolio of brands
- Earn 3 HHonors Bonus Points for every eligible dollar charged everywhere else
Blue Sky Preferred® from American Express
- Earn 7,500 bonus points when you spend $500 in the first 90 days
- Earn free travel fast at a low annual fee of $75
- You decide if you want to pay charges overtime or pay in full
- 2X points on dining, hotels, and car rentals
- $100 Annual Airline Allowance to cover baggage fees and many in-flight purchases
- Offers a wide range of discounts and extras at hotels, restaurants, retailers, and more
Platinum Delta SkyMiles® Credit Card
- Earn 20,000 miles with your first purchase and an additional 5,000 miles when you add two cards to your account
- No mileage earning limit, and miles don't expire
- Check your first bag free on every Delta flight
- Priority Boarding and 20% In-Flight Savings
Miles by Discover® Card
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Escape by Discover Card
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
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 $50 Wanna Get Away® Fare
- Now you can redeem for International Travel, Hotels, Gift Cards and more
- Earn unlimited FREE FLIGHTS - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
- Your Bags Fly FREE! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
- No Change fees - if you need to change your flight, you won't be charged a fee
- September 11th Security Fee Applies
United MileagePlus® Explorer
- Earn up to 40,000 bonus miles & first year free, a $95 value*
- Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip
- Board your flight before general boarding with priority boarding privileges
- Visit the United Club with two complimentary day passes every year, up to a $100 value
- Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else
- Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase
- Your miles don't expire and there is no limit to the number of miles you can earn
Blue Sky From American Express®
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel -- anytime
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
Blue® From American Express - No Annual Fee!
- 0% intro APR for 12 months
- Flexibility to pay charges over time
- Earn up to 10X points every day when you shop over 300 brands online at membershiprewards.com/earn
- Earn 1 point for every eligible dollar spent
- 2X points when booking online travel through American Express
- Rewards start at just 1,000 points
Blue Cash PreferredSM Card From American Express - $150 Welcome Bonus
- 6% cash back at supermarkets
- 3% cash back at gas stations and department stores
- 1% cash back on all other eligible purchases
- Low annual fee
- Flexibility to pay charges over time
- Recommend the Blue Cash Preferred Card to as many friends as you want and get a $75 bonus for each friend approved for the Card
Simmons First Visa Platinum Rewards
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
- No balance transfer fee for balances transferred in response to this online offer
Chase SapphireSM Card
- Limited Time Offer! - Earn 25,000 bonus points - after you spend $3,000 in the first 3 months- that's $250 toward a round trip flight or any other reward!
- 2 points per dollar spent on dining & 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
- 24/7 direct access to expert service advisers (No voice recording)
- No annual fee!
Marriott Rewards® Premier Visa Signature Card
- Earn 50,000 Bonus Points after your first use
- Receive 1 free night stay upon account approval and each year upon account anniversary
- Earn 5 points for every $1 spent at Marriott® locations
- Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
- Earn 1 point for every $1 spent on other purchases
- No foreign transaction fees
- Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
Marriott Rewards® Visa Signature Card
- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
- No Annual fee for your first year - that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
Iberiabank Visa® Platinum
- Earn up to 17,000 bonus points in the first year of account ownership. An initial bonus of 5,000 points will be awarded with your first purchase and an additional bonus of 1,000 each month purchases of $250.00 or more are made in the first 12 months of account ownership. 1 bonus point for every $1 in qualifying net retail purchases will be earned outside of the initial bonus offer. Rewards can be redeemed with as little as 700 bonus points.
- Earn 1 bonus point for every $1 in qualifying net retail purchases in addition to and outside the initial bonus. You can ScoreMore with Bonus Points - 2X, 3X, 4X or more at participating retailers online and in-store. Turn your points into hotel, gift or experience rewards with as little as 700 bonus points.
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles.After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. Applies to balance transfers processed within three months of your account open date.
- Turn your points into hotel, gift, or experience rewards
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Emergency Services, and Travel accident coverage up to $1,000,000.
- Free Online access to credit card account information
PenFed Premium Travel Rewards American Express Card
- 5x points on airfare purchases
- 1x point on all other purchases
- 20,000 bonus points when you spend $650 in the first 3 months
- No annual fee
- No foreign transaction fee
- Complimentary concierge service
- Exceptional travel offers and discounts
Green Dot Prepaid Debit Card
- $0 Activation Online -with no credit check
- Access over 18,000 MoneyPass® ATMs
- Free Withdrawals at More than 15,000 Participating ATMs
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- Get $10 with qualifying direct deposit (see site for restrictions)
- No Monthly fee for any month with at least 30 purchases
- No Transaction fees on US purchases
- No Overdraft or penalty fees
- No Minimum balance required
Hyatt Credit Card from Chase
- Receive 1 Award Night after making your first purchase with the Hyatt Credit Card
- Receive an additional Award Night after spending $1000 in the first three months of account opening
- No foreign transaction fees for international purchases
- 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
- 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere
- There are no limits to the points you can earn
- Award nights with no resort, Internet or redemption fees
Other Rewards Credit Cards to Consider
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
Rewards Program Details: Earn $100 Bonus Cash Back after you make $500 in purchases in your first three months. 5% Cash Back on up to $1,500 spent in bonus categories each quarter in popular categories like gas, home improvement and department stores. Unlimited 1% Cash Back on all other purchases without limits on what you can earn. Your cash back rewards never expire. Ongoing APR: 11.99 - 22.99% Variable. Blance transfer rate: 0% for 12 months, then same as ongoing APR. Balance Transfer Fee: 3%. Annual Fee: None (click for all terms and conditions.)
Citi® Gold / AAdvantage® World MasterCard®
Rewards Program Details: Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership* – more than enough for a round-trip domestic travel award*. Earn 1 AAdvantage® mile for every $1 spent on purchases*. Reduced Mileage Awards let you travel to select destinations for fewer AAdvantage® miles round trip*. Ongoing APR: 15.24% Variable. Introductory APR: N/A International Transaction Fees: 3% Annual Fee: $50 waived for the first 12 months*. (click for all terms and conditions.)
Rewards Program Details: Earn 25,000 bonus points – after you spend $3,000 in the first 3 months - that's $250 toward a round trip flight or any other reward. 2 points per dollar on dining. No earning caps, point expiration, or blackout dates. 1 point for every dollar on all other purchases. Ongoing APR: 15.24% Variable. Introductory APR: N/A Balance Transfer Fee: 3% ($5 Minimum). Balance Transfer APR: 15.24%. Annual Fee: None (click for all terms and conditions.)
Ink BoldSM with Ultimate Rewards - $312.50 Bonus Cash Back Card
Rewards Program Details: 25,000 bonus points after first purchase redeemable for $312.50 cash back. Automatic Enrollment in Ultimate Reward. No Dollar Goes Unrewarded - there are no caps and points never expire. Ongoing APR: N/A Introductory APR: N/A Balance Transfer Fee: N/A Balance Transfer Length: N/A Annual Fee: None first year. After that, $95.00 (click for all terms and conditions.)
Rewards Program Details: Earn 5 ThankYou reward points for every $1 you spend on restaurants and entertainment; earn 1 reward point for every $1 you spend on other purchases. Redeem points for gift cards, merchandise, etc. Earn 1200 bonus points for paying on time and staying under your credit limit. Ongoing APR: 12.99 - 22.99% variable rate*, but you can reduce the interest rate by .25 points every 3 months when you use the card, pay on time, and stay under the credit limit. Total reduction maximum 2%. Introductory APR: 0% for 7 months*. Balance Transfer Fee: 3% ($5 min)*. Balance Transfer APR: 0% for the first 12 months, then same as ongoing. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. (click for all terms and conditions.)
Rewards Program Details: Earn 1 bonus point for every $1 in qualifying net retail purchases. Turn your points into hotel, gift, or experience rewards. Ongoing APR: Variable Rate APR 9.25%, 12.25%, or 15.25% ranging from ("Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%") as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. Introductory APR: Same as ongoing. Balance Transfer Fee: 2% Balance Transfer APR: 1.99% for 6 months, then same as ongoing. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. (click for all terms & conditions.)
Brooks Brothers Platinum MasterCard
Rewards Program Details: Brooks Brothers credit card allows you to earn 4 Brooks Brothers Reward Points per dollar in purchases at U.S. Brooks Brothers locations (except airports) and 1 point per dollar in purchases elsewhere. Get $20 Brooks Brothers reward certificates with every 2,000 points earned. Ongoing APR: 14.24%, 17.24% or 21.24% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)
Dillard's American Express Card
Rewards Program Details: Get 2 points for purchases at Dillard's, grocery stores and gas stations, 1 point for purchases elsewhere. Redeem points for Dillard's gift certificates. Ongoing APR: 13.24% or 21.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)
Rewards Program Details: Earn 1 point per dollar in purchases, 5 points per dollar at Hooters with the Hooters MasterCard. Redeem points for Hooters gear, merchandise, electronics, cash back or other rewards. Ongoing APR: As low as 7.75%, as high as 25.70% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: 0 to $72. (click for all terms and conditions.)
Rewards Program Details: Nordstrom credit card allows you to earn two points per dollar on Nordstrom purchases, 1 point per dollar on purchases elsewhere. Every time you reach 2,000 points, you earn a $20 Nordstrom gift certificate. Ongoing APR: 10.90% or 14.90%, or 18.90%, or 22.90% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)
Rewards Program Details: Sears credit card offers 1 point per dollar in purchases. Points can be redeemed for Sears gift certificates and merchandise, restaurant gift cards, airline tickets and other travel rewards.
State Farm Platinum Rewards Visa
Rewards Program Details: Earn 1 State Farm Dollar per dollar charged; Dollars can be used toward paying for State Farm insurance products. Ongoing APR: 13.24% - 20.24%*. Introductory APR: 0% for 12 months. Balance Transfer Fee: 3%. Balance Transfer APR: 0% for 12 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)
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"As comprehensive a list as you'll find of all the credit card offers on the table now."
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