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Rewards
credit cards offer credit card rewards programs in which you
can choose merchandise, gift certificates, travel rewards and
other goods and services. (NOTE: Credit card rates change fairly
regularly -- check the terms and conditions of each card to
be sure the interest rates shown here are accurate.) Updated
July 24, 2008.
See
also: Cash
Back Credit Cards, Travel
and Airline Credit Cards, Gas
Credit Cards, Automotive
Credit Cards
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Blue
from American Express -
Rewards Program Details: Earn
one Membership Rewards Express point for every dollar
spent. Redeem points for rewards including travel, merchandise,
gift cards, entertainment tickets and more.
Ongoing APR: 8.99%, or 10.99%, or 13.99%, or 15.99%
variable rate*. Introductory APR: 0% for 15 months,
or 12 months, or 6 months, depending on credit history.
Balance Transfer Rate: 4.99% for the life of any
balance transferred with application. Annual Fee:
None.
(click
for all terms and conditions.)
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Disney
Rewards® Visa® Card from Chase -
Rewards Program Details: Disney credit card allows
you to earn Disney Dream Reward Dollars on card purchases.
Redeem points toward Disney theme park tickets, Disney Cruise
Line vacations, Disney DVDs, toys, books, tickets to Disney
movies, as well as other Disney exclusive events and discounts.
Also receive a free $15 Disney store gift card after first
use of card. Ongoing APR: 10.99% or 15.99% variable
rate*. Introductory APR: 0% for first 12 billing
cycles. Balance Transfer Rate: 0% for 12 billing
cycles, then same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Citi
Diamond Preferred Rewards Card
- Rewards Program Details: Earn 5 ThankYou Points
for every dollar you spend on purchases at supermarkets,
drugstores and gas stations and 1 ThankYou Point for every
dollar you spend on all other purchases. Redeem points for
merchandise including electronics, sporting goods, dining,
travel. Free 6,000 bonus ThankYou points after your first
$100 in card purchases within 3 months of account opening.
Ongoing APR: 10.49% or 14.49% or 18.49% variable
rate*. Introductory APR: Same as ongoing. Balance
Transfer Rate: 0% for up to 12 months, then same as
ongoing. Annual Fee: None. (click
for all terms and conditions.)
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Chase
Flexible Rewards Platinum Visa® Card
- Rewards
Program Details: Earn one point for every dollar
you spend on purchases. Redeem points for merchandise, gift
cards, free travel, even cash. Ongoing APR: 10.99%,
or 14.99%, or 19.99% variable rate*. Introductory APR:
0% for first 12 billing cycles. Balance Transfer Rate:
0% for 12 billing cycles, then same as ongoing. Annual
Fee: None. (click
for all terms and conditions.)
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Citi
Professional Card -
Rewards Program Details: Earn
3 ThankYou points for every dollar spent at gas stations,
restaurants, auto rentals, and office supply stores, 1 point
per dollar everywhere else, plus 10,000 bonus points after
the first $250 in purchases. Redeem points toward free travel,
gift cards, more.
Ongoing APR: 10.99% variable rate*. Introductory
APR: 0% for 12 months. Balance Transfer Rate:
Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Chase
Freedom Credit Card
-
Rewards Program Details: Choose reward points
or cash back --- Earn a full 3% cash back (or 3 points per
dollar) on purchases in the three categories where you spend
the most each month. For example, if your highest total
amount of credit card purchases are at grocery stores, gas
stations, and fast food restaurants in a particular month,
those categories would earn 3% cash back. Plus, earn a full
1% cash back (or one point per dollar) on all other purchases.
Get a bonus $50 cash back (or 5,000 points) after your first
card purchase. Ongoing APR: 14.99% variable
rate*. Introductory APR: Same as ongoing. Balance
Transfer Rate: Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
-
Bank
of America Accelerated Rewards American Express® Card
-
Rewards Program Details: Earn 1.25 points per
dollar spent; redeem points for cash, travel, merchandise,
etc. Ongoing APR: 9.99% or 15.99% fixed rate*.
Introductory APR: Same as ongoing. Balance
Transfer Rate: 0% for 12 billing cycles, then same as
ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Capital
One No Hassle Points Rewards -
Rewards Program Details: Earn 2 points per dollar
at gas stations, grocery stores and drug stores, 1 point
per dollar everywhere else. Redeem points for merchandise,
gift cards, cash or travel rewards. Ongoing APR:
13.9% fixed rate*. Introductory APR: Same as standard
rate. Balance
Transfer Rate: Same as standard rate. Annual Fee:
None. (click
for all terms and conditions.)
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AT&T
Universal Savings & Rewards Card
-
Rewards Program Details: AT&T credit card
allows you to earn up to 10% savings on AT&T purchases
in the first year, plus earn 1 ThankYou Point for every
dollar you spend on all other purchases. Redeem points for
merchandise including electronics, sporting goods, dining,
travel.
Also, receive up to 30 free AT&T phone minutes each
month.
Ongoing APR: 9.99% or 13.99% or 17.99% variable
rate*. Introductory APR: Same as ongoing. Balance
Transfer Rate: 0% for 12 months, then same as ongoing.
Annual Fee: None. (click
for all terms and conditions.)
-
Major
League Baseball® MLB® Extra Bases Credit Card (Choose
MLB Credit Card or Card of any MLB Team) -
Rewards Program Details: Earn one point per dollar
and redeem points for Major League Baseball merchandise,
autographed memorabilia and exclusive VIP game experiences.
Also, get a $50 MLB Shop gift certificate after first card
purchase. Ongoing APR: 9.99% or 15.99% fixed
rate*. Introductory APR: Same as ongoing.
Balance Transfer
Rate: 0% for 12 billing cycles, then same as ongoing.
Annual Fee: None. (click
for all terms and conditions.)
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National
Football League NFL Extra Points Credit Card (Choose NFL
Credit Card or Card of Any NFL Team) -
Rewards Program Details: Earn one point per dollar
and redeem points for NFL merchandise and exclusive VIP
game experiences, including Super Bowl tickets. Get a bonus
$50 NFL Shop gift card after your first card purchase.
Ongoing APR: 9.99% or 15.99% fixed rate*. Introductory
APR: Same as ongoing. Balance
Transfer Rate: 0% for 12 billing cycles, then same as
ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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American
Express Preferred Rewards Green Card -
Rewards Program Details: Earn one Membership Rewards
point for every dollar you spend on purchases. Redeem points
for merchandise, travel, electronics, etc. Also, transfer
points into 17 frequent flyer programs -- 1 point for 1
airline mile with most programs. Free 5,000 bonus points
after your first credit card purchase. Ongoing APR:
None. Card must be paid off each billing period. Introductory
APR: None.
Card must be paid off each billing period.
Balance Transfer
Rate: None. No balance transfers accepted. Annual
Fee: None for the first year, $95 per year afterwards.
(click
for all terms and conditions.)
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American
Express Preferred Rewards Gold Card -
Rewards Program Details: Earn
one Membership Rewards point for every dollar you spend
on purchases. Redeem
points for merchandise, travel, electronics, etc. Free
10,000 bonus points after your first credit card purchase.
Ongoing APR: None. Card must be paid off each billing
period. Introductory APR: None. Card must be paid
off each billing period. Balance
Transfer Rate: None. No balance transfers accepted.
Annual Fee: None for the first year, then $125/year.
(click
for all terms and conditions.)
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Merrill+
Visa Credit Card -
Rewards Program Details: Earn 1 point per dollar
spent; redeem points for merchandise, gift cards, travel,
or cash back that offsets commissions and fees from your
Merrill Lynch account. Ongoing APR: 9.99% fixed
rate*. Introductory APR: Same as ongoing.
Balance Transfer
Rate: 1.9% for 12 billing cycles, then same as ongoing.
Annual Fee: None.
(click
for all terms and conditions.)
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ESPN
Total Access Visa -
Rewards Program Details: ESPN
credit card offers 5 points for every $1 spent on ESPN purchases
(including ESPN Shop, ESPN Zones), and 1 point per $1 in
purchases everywhere else. Redeem points for unique ESPN-related
experiences, sports memorabilia and equipment, or other
merchandise. Get 2,500 bonus points after first use of the
card.
Ongoing APR: As low as 8.99%, as high as 22.99% variable
rate*. Introductory APR: 0% for 6 months. Balance
Transfer Rate: 0% for 6 months, then same as standard
rate. Annual Fee: None.
(click
for all terms and conditions.)
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Bank
of America Brighter Planet Visa -
Rewards Program Details: Earn points that are
used toward carbon offsets -- every 1000 points funds 1
ton of carbon offsets. Ongoing APR: 9.99% or
15.99% fixed rate*. Introductory APR: Same as standard
rate. Balance
Transfer Rate: 0% for 12 billing cycles, then same as
standard rate. Annual Fee: None.
(click
for all terms and conditions.)
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Bank
of America PetRewards Visa® -
Rewards Program Details: Earn one point per dollar,
and redeem points for veterinary services, pet food discount
certificates, and shelter donations. You can also put your
pet's picture on your card. Get a bonus 500 points after
your first purchase. Ongoing APR: 14.99% variable
rate*. Introductory APR: 0% for first 6 billing cycles.
Balance Transfer
Rate: 0% for 6 billing cycles, then same as ongoing.
Annual Fee: None.
(click
for all terms and conditions.)
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Bass
Pro Shops Outdoor Rewards Visa -
Rewards Program Details: Bass
Pro Shops credit cards allows you to earn points toward
merchandise from Bass Pro --- earn 4% back per dollar on
Bass Pro Shops branded merchandise, 2% back on other purchases
at Bass Pro Shops or BassPro.com, or 1% back anywhere else
you use the card. Get a free $25 gift card after your first
card purchase. Ongoing
APR: 9.9%, or 15.99% fixed rate*. Introductory APR:
Same as ongoing. Balance
Transfer Rate: 0% for 12 billing periods, then same
as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Bank
of America Elite Rewards® World MasterCard®
-
Rewards Program Details: Earn
one point for every dollar you spend on purchases. Redeem
points for airline flights, hotel stays, car rentals, gift
cards. Get a bonus 500 points after first card purchase.
Ongoing
APR: 9.9%, or 15.99% fixed rate*. Introductory APR:
Same as ongoing. Balance
Transfer Rate: 0% for 12 billing periods, then same
as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
-
American
Skiing Company Edge MasterCard -
Rewards Program Details: Earn 5 points per dollar
at American Skiing Company resorts and 1 point per dollar
everywhere else. Redeem points for gift certificates good
at American Skiing Company resorts. Ongoing APR:
10.99%, or 14.99%, or 19.99% variable rate*. Introductory
APR: 0% for 6 billing cycles. Balance
Transfer Rate: 0% for 6 billing cycles, then same as
ongoing. Annual Fee: None.
(click
for all terms and conditions.)
-
Ann
Taylor Visa -
Rewards Program Details: Ann Taylor credit card
offers 4% back in Reward Dollars for purchases at Ann Taylor,
and 1% back in Reward Dollars for all other purchases. Reward
Dollars can be used toward future Ann Taylor purchases.
Ongoing APR: 11.99%, or 15.99%, or 19.99% variable
rate*. Introductory APR: Same as standard rate.
Balance Transfer
Rate: 0% for 6 billing cycles, then same as ongoing.
Annual Fee: None. (click
for all terms and conditions.)
-
Avon
Platinum Visa Credit Card -
Rewards Program Details: Avon credit card allows
you to earn 1% of your purchases back in Avon Beauty Reward
Certificates. Get a $25 certificate for every 2,500 in points.
Ongoing APR: 10.99%, or 14.99%, or 19.99% variable
rate*. Introductory APR: 0% for 6 billing cycles.
Balance
Transfer Rate: 0% for 6 billing cycles, then same as
ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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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: 12.24%, 15.24% or
19.24% variable rate*. Introductory APR: Same as
ongoing. Balance
Transfer Rate: No balance transfers. 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, 1 point for purchases elsewhere. Redeem points
for Dillard's gift certificates. Ongoing APR:
13.99%, or 15.99% or 17.99%, or 19.99% variable rate*. Introductory
APR: Same as ongoing. Balance Transfer Rate:
Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Grand
Ole Opry Platinum Visa Card -
Rewards Program Details: Earn 1 point for every
$1 you spend with the card; redeem points for free Opry
tickets, merchandise, free nights at the Radisson Opryland
and The Gaylord Opryland Resort and Convention Center, and
other rewards. Ongoing APR: 10.99%, or 14.99%,
or 19.99% variable rate*. Introductory APR: 0% for
6 billing cycles. Balance
Transfer Rate: 0% for 6 billing cycles, then same as
ongoing. Annual Fee: None.
(click
for all terms and conditions.)
-
Hooters
Credit Card -
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 25.95% variable rate*.
Introductory APR: Same as ongoing. Balance
Transfer Rate: Same as ongoing. Annual Fee: 0
to $72; no explanation of what qualifies you for one or
the other.
(click
for all terms and conditions.)
-
Nordstrom
Platinum Visa -
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: 5.00%, or 8.90% or 11.90%, or 15.90%,
or 19.90% variable rate*. Introductory APR: Same
as ongoing. Balance
Transfer Rate: Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
-
Overstock.com
Rewards Visa -
Rewards Program Details: Overstock.com credit
card allows you to earn 3 points on purchases at Overstock.com,
1 point on purchases everywhere else. Get a $25 Overstock.com
Rewards Certificate every time you accrue 2,500 points.
Standard APR: 13.99%, or 16.99%, or 19.99% variable
rate*. Introductory APR: Same as standard rate.
Balance Transfer
Rate: Same as standard rate. Annual Fee: None.
(click
for all terms and conditions.)
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Philips
Platinum Visa Card -
Rewards Program Details: Earn one point for every
dollar in card purchases. Use points toward Philips brand
electronics. Ongoing APR: 10.99%, or 14.99%,
or 19.99% variable rate*. Introductory APR: 0% for
first 12 billing cycles. Balance
Transfer Rate: Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Sears
Gold MasterCard
-
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. Ongoing
APR: Info not offered online. Introductory APR:
Info not offered online. Balance
Transfer Rate: Info not offered online. Annual Fee:
Info not offered online.
(click
for all terms and conditions.)
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Shopko
Visa -
Rewards Program Details: Earn 3 points per dollar
on Shopko purchases, 2 points per dollar on dining and entertainment
spending and 1 point per dollar everywhere else. Redeem
points for $10 Shopko reward certificates with every 1,000
points earned. Ongoing APR: 14.99%, or 18.99%,
or 22.99% variable rate*. Introductory APR: Same
as standard rate. Balance
Transfer Rate: 0% for 6 billing cycles, then same as
standard rate. Annual Fee: None.
(click
for all terms and conditions.)
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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: As low as 9.99%, as high as 15.99% variable rate*.
Introductory APR: Same as ongoing. Balance
Transfer Rate: 2.9% through ninth billing cycle, then
same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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*
variable rate = credit card interest rate changes in line
with federal interest rates or other rate index; fixed
rate = credit card rate stays the same regardless of changes
in federal rates, but still may be changed by credit card
issuer in the future.
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