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Find Credit Cards by Type
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Credit Cards With Points
While experts discourage customers with weighty monthly balances from applying for
rewards point credit card systems, savvy cardholders can reap endless benefits from
these accounts by paying them off and earning travel vouchers, merchandise and cash
back. Before mailing an application or applying online for a rewards program, More...
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American Express® Premier Rewards Gold Card
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- 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
- Introductory annual fee of $0 for the first year, then $175
- Get approved in 60-seconds.
- Rank: #1 Home Improvement Rewards Credit Cards, #1 American Express, #1 Reward Credit Cards, #1 Charge Cards, #1 Airline Credit Cards, #1 Points Rewards Credit Cards, #6 Cash Back Credit Cards, #8 Credit Quality Excellent, #10 Gas Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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N/A*
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$0.00 1st year, then $175.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00 1st year, then $175.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
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* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Delta Airlines - Gold Delta SkyMiles® Credit Card
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- 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
- Rank: #2 Reward Credit Cards, #2 Airline Credit Cards, #3 Credit Quality Excellent, #3 American Express, #4 Points Rewards Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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15.24-19.24% (Variable)*
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$0.00 1st year, then $95.00*
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9.99%*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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9.99%*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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12 months on balance transfers*
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Regular APRs
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Purchases:
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15.24-19.24% (Variable)*
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Balance Transfers:
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15.24-19.24% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00 1st year, then $95.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
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* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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United MileagePlus® Explorer Card
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- 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
- Rank: #3 Reward Credit Cards, #3 Airline Credit Cards, #5 Credit Quality Excellent, #6 Chase, #7 Visa
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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14.24-29.99% (Fixed)*
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$0.00 1st year, then $95.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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14.24-29.99% (Fixed)*
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Balance Transfers:
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14.24-29.99% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00 1st year, then $95.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
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* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Chase Freedom® Visa - $200 Bonus Cash Back
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- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
- Rank: #2 Points Rewards Credit Cards, #4 Reward Credit Cards, #4 Chase, #4 Gas Cards, #4 Cash Back Credit Cards, #6 Visa, #12 Credit Quality Good, #16 Low Interest Credit Cards, #17 Credit Quality Excellent, #20 Balance Transfer Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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15.99-22.99% (Fixed)*
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$0.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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15.99-22.99% (Fixed)*
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Balance Transfers:
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15.99-22.99% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Chase Sapphire® Preferred Card
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- 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 advisors (No voice recording)
- No Annual Fee for your first year - A $95 value
- Rank: #2 Chase, #5 Points Rewards Credit Cards, #5 Reward Credit Cards, #6 Credit Quality Excellent, #7 Airline Credit Cards, #12 MasterCard, #13 Credit Quality Good, #16 Visa, #21 Cash Back Credit Cards, #24 Low Interest Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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15.24% (Fixed)*
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$0.00 1st year, then $95.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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15.24% (Fixed)*
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Balance Transfers:
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N/A*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00 1st year, then $95.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Continental Airlines OnePass® Plus Card
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- 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
- Rank: #1 Credit Quality Excellent, #5 MasterCard, #6 Reward Credit Cards, #7 Chase, #8 Airline Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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14.24% (Fixed)*
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$0.00 1st year, then $95.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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14.24% (Fixed)*
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Balance Transfers:
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14.24% (Variable)*
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Cash Advance:
|
See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
|
$0.00 1st year, then $95.00*
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Balance Transfer:
|
See Terms*
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Late:
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See Terms*
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Cash Advance:
|
See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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The Platinum Card® from American Express
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- 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
- Rank: #2 Charge Cards, #3 Home Improvement Rewards Credit Cards, #6 American Express, #7 Reward Credit Cards, #10 Airline Credit Cards, #11 Credit Quality Excellent, #14 Gas Cards, #17 Points Rewards Credit Cards, #22 Cash Back Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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N/A*
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$450.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Cash Advance:
|
See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$450.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards
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- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
- Rank: #7 Points Rewards Credit Cards, #8 Reward Credit Cards, #9 Gas Cards, #9 Credit Quality Good, #10 Citi Credit Cards, #17 Balance Transfer Credit Cards, #17 0% APR Credit Cards, #19 Low Interest Credit Cards, #20 Cash Back Credit Cards, #28 Credit Quality Excellent
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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12.99-22.99% (Variable)*
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$0.00*
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N/A*
*
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Excellent
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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12.99-22.99% (Variable)*
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Balance Transfers:
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12.99-22.99% (Variable)*
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Cash Advance:
|
See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
|
See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Citi ThankYou® Card
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- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Plus earn 1 ThankYou Point for every $1 you spend on purchases
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
- Rank: #9 Reward Credit Cards, #11 Citi Credit Cards, #18 Balance Transfer Credit Cards, #21 Low Interest Credit Cards, #25 Cash Back Credit Cards, #29 Credit Quality Excellent
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0.00%*
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15 months on purchases*
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12.99-22.99% (Variable)*
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$0.00*
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0.00%*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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0.00%*
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Balance Transfers:
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0.00%*
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|
Introductory Period
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Purchases:
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15 months on purchases*
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Balance Transfers:
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15 months on balance transfers*
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Regular APRs
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Purchases:
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12.99-22.99% (Variable)*
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Balance Transfers:
|
12.99-22.99% (Variable)*
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|
Cash Advance:
|
See Terms*
|
Penalty:
|
See Terms*
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|
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|
Fees
|
Annual:
|
$0.00*
|
Balance Transfer:
|
See Terms*
|
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|
Late:
|
See Terms*
|
Cash Advance:
|
See Terms*
|
|
|
|
Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Capital One® Cash
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- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until February 2013.
- Rank: #1 Cash Back Credit Cards, #2 Capital One, #2 MasterCard, #2 Gas Cards, #5 0% APR Credit Cards, #10 Reward Credit Cards, #10 Balance Transfer Credit Cards, #10 Credit Quality Excellent, #13 Low Interest Credit Cards
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Intro APR
|
Intro Period
|
Regular APR
|
Annual Fee
|
Balance Transfer
|
Credit Needed
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0.00%*
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Until 02/2013*
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12.90-20.90% (Variable)*
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$0.00*
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0.00%*
*
|
Excellent Credit*
|
|
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[Close]
|
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Introductory Rate
|
Purchases:
|
0.00%*
|
Balance Transfers:
|
0.00%*
|
|
Introductory Period
|
Purchases:
|
Until 02/2013*
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Balance Transfers:
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Until 02/2013*
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|
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|
Regular APRs
|
Purchases:
|
12.90-20.90% (Variable)*
|
Balance Transfers:
|
12.90-20.90% (Variable)*
|
|
|
Cash Advance:
|
See Terms*
|
Penalty:
|
See Terms*
|
|
|
|
Fees
|
Annual:
|
$0.00*
|
Balance Transfer:
|
See Terms*
|
|
|
Late:
|
See Terms*
|
Cash Advance:
|
See Terms*
|
|
|
|
Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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consumers should compare account offers to find out how points are calculated and
redeemed and whether or not they expire.In addition, they should read the fine print
to find out whether there is a cap on annual earned or redeemed awards, so they
understand how long it will take to reach their redemption goals. According to a
2003 FindLaw.com survey, only
44 percent of card owners read the minute disclosure details.
Hints about Using Reward Point Credit Cards
Remember that points redeemable for travel services like airline miles or hotel
rooms often have very specific blackout dates, since providing companies don't want
to lose money by offering free fares or stays during peak travel times. While customers
who don't mind traveling during off-peak times may be satisfied with these program
restrictions, businesses using mileage and points for company travel may find the
reservation windows quite inconvenient.
Check online account information regularly, as issuing companies offer reward bonuses
for shopping at particular stores or limited-time opportunities for doubling or
tripling accumulated points.
Don't buy unneeded merchandise to earn points. The most common mistake that cardholders
make is overusing their plastic to boost rewards, which is not a financially practical
decision.
Check out CreditCardApplications.com
for information about the best reward-based merchant accounts, along with APR offers
and a simple online application process.
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