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Best Rewards Cards Applications

  • APR:10.99% - 22.99% Variable*
  • Annual Fees:$0
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Key Features: Rewards Concierge to help you help you get more from your rewards - 1% cash back on all purchases - low fees.

Our #1 priority is finding Your Best Credit Card Applications!

Choose a rewards card application with features you’ll use.

These days, many Americans are seeing their credit scores improve considerably and are therefore on the lookout for new credit card applications that will put their spending habits to better use.

Often, one of the most popular ways that many choose to do this is by seeking out a new account that grants them rewards for every dollar they spend. Of course, if this describes you, you are probably well aware that there are large amounts of rewards credit cards available to you, and this can make it difficult to decide on exactly which one you should get. More...

 
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Discover it®
Discover it®

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Key Features: Rewards Concierge to help you help you get more from your rewards - 1% cash back on all purchases - low fees.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #1 Credit ...
Credit Needed:   Excellent
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
NFL Extra Points Credit Card
NFL Extra Points Credit Card

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Key Features: Earn 2 points on every dollar spend on NFL/Team purchases - earn 1 point on all other purchases - your team logo


Intro Purchase Apr Regular Apr Ann.Fee
N/A 14.99% or 22.99%* Variable $0
Type: Reward, Points Rewards, C ...
Rank: #3 Points Rewards , #5 C ...
Credit Needed:   Good to Excellent
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops
  • Earn 1 point per $1 on all other purchases
  • Special Financing on all ticket purchases of $500 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for cash back statement beginning at 2,500 points, VIP NFL experiences, game tickets and more
 
CCA In-House Review & more info
Discover it®
Discover it®

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Key Features: Long Intro APR on balance transfers (18 months). - competitive cash back rewards - excellent customer service. - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard Arrival Plus™ World Elite MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 14.99% or 18.99%* (Variable) $89 - Waived first year
Type: Low Interest, Reward, Poi ...
Rank: #1 Reward , #1 Points Re ...
Credit Needed:   Excellent
  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
 
CCA In-House Review & more info
Discover it® chrome
Discover it® chrome

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Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Gas Cards, #2 Cash Ba ...
Credit Needed:   Excellent
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter -no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
 
CCA In-House Review & more info
The Carnival™ MasterCard®
The Carnival™ MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
0% 13.99%, 16.99% or 20.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #2 No Annual Fee , #3 Re ...
Credit Needed:   Excellent
  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99% depending on your creditworthiness)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
The Hawaiian Airlines® World Elite MasterCard®
The Hawaiian Airlines<sup>®</sup> World Elite MasterCard<sup>®</sup>

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 15.99% or 24.99%* (Variable) $89
Type: Reward, Airline, Credit Q ...
Rank: #3 No Foreign Transactio ...
Credit Needed:   Excellent
  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days*
  • Enjoy a complimentary 1st checked bag for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • Receive a one-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 2X miles on direct purchases from Hawaiian Airlines and 1X miles on all other purchases
  • No foreign transaction fees on purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary
  • Earn 5,000 annual bonus miles after $10,000 in annual spend
  • See Terms and Conditions for details
 
CCA In-House Review & more info
Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 18.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 No Foreign Transactio ...
Credit Needed:   Excellent
  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
 
CCA In-House Review & more info
The US Airways® Premier World MasterCard®
The US Airways® Premier World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 15.99%, 19.99% or 24.99%* Variable $89
Type: Balance Transfer, Reward, ...
Rank: #3 Airline , #3 MasterCa ...
Credit Needed:   Excellent
  • Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*
  • First checked bag free on eligible bags for you and up to four companions on domestic US Airways operated flights
  • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
  • Priority boarding Zone 2 on US Airways operated flights
  • Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations
  • Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
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With that in mind, here are a few of the factors you may want to consider when looking for a rewards credit card that will work best for you:

1. What kind of rewards do you want?

There are generally three types of rewards cards available to you: those that give you back points, miles or cash back for every dollar you spend. Finding the best credit card deals for you is a question of understanding how you will use your credit card.

For instance, if you think it would be nice to have a little extra money in your pocket at the end of every year, maybe you should get a cash back credit card. Alternatively, if you want to earn access to exclusive items and experiences that you might not be able to get otherwise, a points credit card will likely serve you better. Finally, if you fly regularly, an airline rewards card that grants you miles you can redeem for airline tickets and other travel perks may be more beneficial than the others.

2. Can you get incentives?

When it comes to actually earning the rewards, though, there are other factors that will determine the best credit card for you.

Some cards now grant consumers more points, cash back or miles for every dollar they spend in certain categories. For example, many cash back cards now give double, triple or even five times the points for spending at places like grocery stores and other necessities, depending on the account. In other cases, points cards might give you added points for reaching certain spending thresholds within a few months. In addition, most airline cards will give you more miles if you use the account to book travel arrangements.

If you review your old transactions to determine where you use your cards most often, you might be able to unlock more benefits by finding a credit card offer that rewards your previous habits.

3. What are the restrictions?

In many cases, there might be some restrictions on rewards you can earn. Some cards might have points or miles that expire within a certain amount of time, meaning you might not be able to use all the rewards you rack up. Others might only grant bonus points for purchasing from certain companies.

4. What are your spending habits?

Rewards cards tend to come with higher interest rates and annual fees than cards that have no frills, which you may be more accustomed to handling. As such, if you regularly carry a balance from one month to the next on your existing accounts, you might want to do some math and figure out if the use of this card will actually end up costing you more than you earn back.

If so, perhaps it's time to change your borrowing habits, spending less on the card every month and increasing the value of your monthly bill payments.

Balance transfer credit cards are another option. They offer low APRs on balances and sometimes on new purchases. This can reduce the interest you pay every month and give you the chance to pay down your balance. If you choose this option, you should be careful however, to use the money you save on reducing your debt and not blow your potential savings on new purchases.

If you're not sure what credit card may work best for you, use our Credit Card Search Engine. It will match you with selected credit card offers that fit your credit profile and needs so you don't waste time applying for cards that don't match your purposes.

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