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

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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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