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Best Rewards Cards Applications

  • APR:23.90% (Fixed)
  • Annual Fees:$35-$99 (varies by credit level)

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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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USAA Preferred Cash Rewards® World MasterCard®
USAA Preferred Cash Rewards® World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 11.90%-25.90% (Variable) $0
Type: USAA, Reward, Cash Back,  ...
Rank: #1 Reward , #2 Cash Back ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 1.5% cash back on every purchase.
  • Cash rebates are credited to your account annually, and there's no limit on the amount you can earn.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Rewards™ Visa®
USAA Rewards™ Visa®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #2 Reward , #2 Airline , ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Cashback Rewards Plus American Express® Card
USAA Cashback Rewards Plus American Express® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 11.90%-25.90% (Variable) $0
Type: USAA, Reward, Gas Cards,  ...
Rank: #1 USAA, #1 Gas Cards, # ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 5% cash back at gas stations & qualifying commissaries on up to 3,000 in annual purchases.
  • Earn 2% cash back on groceries from supermarkets on up to 3,000 in annual purchases.
  • Earn 1% cash back on all other purchases.
  • Cash rebates are credited to your account annually, and there's no limit on the amount you can earn.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Cash Rewards® Visa®
USAA Cash Rewards® Visa®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 Visa, #4 USAA Savings ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Cash Rewards® American Express® Card
USAA Cash Rewards® American Express® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 USAA Savings, #3 Cred ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 Points Rewards , #1 A ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Rewards® World MasterCard®
USAA Rewards® World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Reward, Cash Back,  ...
Rank: #3 USAA, #3 MasterCard, ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Get 2,500 bonus points after you make your first purchase.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers, and cash advances. This APR will vary with the market based on the Prime Rate.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
USAA Cash Rewards® World MasterCard®
USAA Cash Rewards® World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Reward, Cash Back,  ...
Rank: #6 Cash Back , #7 Master ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
 
CCA In-House Review & more info
Simmons Bank Visa® Platinum Rewards
Simmons Bank Visa® Platinum Rewards

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.25% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 No Annual Fee , #2 Po ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • 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
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
 
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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