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Use reward credit cards to earn rebates whenever you make a purchase with the card. There are various types of reward cards and different types of rebates you can earn with them. Some cards reward you with extra points on certain kinds of purchases, while other cards offer rebates on certain purchases. Reward points can be redeemed for merchandise, airline tickets, hotel rooms, car rentals, gift cards or certificates. Each credit card is different, so you should read through each one to find the best card for you.
The cards on this page offer different types of rewards, so read the terms and conditions carefully to find out more.
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Discover® More Card
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| 0% APR on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Discover® Motiva Card
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Cash Rewards for your good credit management!*
Pay-On-Time BonusSM equal to a full month’s interest
5% to 20% Cashback Bonus® at top online retailers
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
Free payment by phone
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 3.9% for 6 mo. |
3.9% for 12 mo. |
10.99% |
None |
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Discover® Open Road Card
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0% Intro APR
Save at the pump and everywhere else.
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99% |
None |
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Miles by Discover® Card
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| 0% Intro APR |
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Double Miles on travel and restaurant purchases $3,000 each year
1 Mile for every $1 you spend on all your other purchases
Unlimited Miles that never expire as long as you use your card
Travel without restrictions
Book it through any airline, travel agent or online site
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
10.99% |
None |
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Discover® Student Card |
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Build your credit history!
Earn more cash in more ways than anyone else
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Chase BP Visa® Card
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0% APR for up to 6 months
No Annual Fee
Double Rebates for two months
5% rebates on all participating BP location purchases
2% rebates on all eligible travel and dining purchases
1% rebates on all other eligible purchases
No limit on rebates
Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 6 mo. |
12.24% |
None |
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Chase Flexible Rewards Platinum Visa® Card
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With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every eligible dollar spent and turn everyday purchases into extraordinary rewards
Merchandise - Choose from a variety of great brand name products.
Travel - Earn airline tickets, hotel stays or car rentals.
Cash back - Redeem 3,500 points and receive a $25 check.
Gift cards - Get free stuff from your favorite stores and restaurants.
Enjoy great rewards that you can redeem with as few as 2,500 points.
Save even more with a 0% Intro APR for up to 12 months and no annual fee.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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IN:CHICAGO from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Gold Delta SkyMiles® Credit Card
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Earn 15,000 bonus miles after first purchase with the Card
Earn 2,500 bonus miles for adding an Additional Cardmember
Always Double Miles® on eligible everyday purchases and all Delta purchases
One mile for every other eligible dollar spent
No annual fee for the first year, then $85: $30 if you are a qualified American Express Cardmember
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
9.99% with application* |
15.99% |
$95 |
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American Express® Preferred Rewards Gold Card
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| Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card! |
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No Pre-Set Spending Limit
The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
Global Assist® Plus Hotline and many more benefits included
Express Approval. Get a decision in less than 60 seconds.
No annual fee for the first year - $125 Thereafter
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
- |
$125 |
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American Express® Preferred Rewards Green Card
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| Earn 5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift card* |
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The Membership Rewards® program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs
Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase
Many other travel and shopping benefits
No Pre-Set Spending Limit*
Express Approval. Get a decision in less than 60 seconds.
No annual fee for the first year - $95 Thereafter
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
- |
$95 |
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Blue Cash® from American Express®
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| Up to 5% Cash Back with Unlimited Cash Rewards |
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Earn unlimited cash back
0% Intro APR for 6 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
12.24% |
None |
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IN:LA from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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IN:NYC from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase Freedom Credit Card
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Receive $50 after you make your first purchase
3% Cash Back in your top 3 everyday spending categories
1% cash back for every $1 you spend on all other purchases
Receive an extra $50 each time you save and redeem $200 in rewards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
15.24% |
None |
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Chase PerfectCard™ MasterCard®
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6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days
3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days
1% rebates on ALL other purchases made anywhere else
0% Intro APR for up to 6 months
No Annual Fee
Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase TravelPlus Visa® Card |
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Earn 2 miles per $1 on travel purchases
Earn 1 mile per $1 on all other purchases
Annual rewards fee of $29
Redeem for airline tickets, cash, gift cards and more!
Intro 0% Fixed APR for up to 12 months
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
15.24% |
None |
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JetBlue Card from American Express |
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Get 50 TrueBlue® points after your first purchase—that’s half way to an award flight!
TrueBlue points don't expire. Use your Card or fly JetBlue and we extend the life of your points for a full year
Earn one Award Dollar for virtually every dollar you spend
Earn Double Award Dollars on entertainment, leisure, travel and dining
200 Award Dollars = 1 TrueBlue point and 100 TrueBlue points = one round trip flight
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None. |
3.99% for 6 mo.* |
15.24% |
$40 |
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TrueEarnings from Costco and American Express
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| Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card! |
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Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 3 months |
1.99% for 6 months |
15.99% |
$0 |
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Discover® Student Open Road Card
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0% Interest on Purchases for 6 Months
Build Your Credit History
Full 5% Cashback Bonus® on gas and auto maintenance purchases
Up to 1% Cashback Bonus on all other purchases
$0 Fraud Liability Guarantee
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Capital One® No Hassle Miles Rewards
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| 13.9% APR on purchases and balance transfers |
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Earn 1.25 miles for each dollar spent on purchases
No blackout dates or seat restrictions
No expiration date on miles and no limit on the miles you can earn
Earn miles 25% faster than regular miles cards.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% APR |
None |
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Capital One® No Hassle Points Rewards
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Earn 2 points per dollar spent at gas stations, major grocery and drug stores
1 point per dollar spent on all other purchases
13.9% APR on purchases and balance transfers
Points won’t expire for the life of your account and there’s no limit to the number of points you can earn
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% |
None |
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Capital One® No Hassle Cash Rewards for Students
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25% annual bonus on the cash you earn during the year
1% cash back on purchases you make from day one
No limit on cash back and rewards won’t expire for the life of your account
0% APR on purchases until October 2008. After that, variable APR, currently 14.9%
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Oct. 2008 |
None |
14.9% |
$29 |
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Capital One® No Hassle Points Rewards
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5 points per dollar spent at gas stations, major grocery and drug stores
1 point per purchase everywhere else
No limit on points earned and they don’t expire for the life of your account
0% on purchases until October 2008. After that, variable APR, currently 14.9%
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Oct. 2008 |
None |
14.9% |
$29 |
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Business Credit Cards With Cash Back and Rewards
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Capital One® Business Platinum with Double No Hassle Miles
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2 miles per dollar spent on purchases
Redeem miles for cash back, gift cards, flights and more
Fly on any airline with no blackout dates or seat restrictions
No Annual Fee
Free employee cards with individual spending limits you set
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
14.99% |
None |
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Discover® Business Card
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0% Intro APR* on Balance Transfers and Card Purchases for 12 months
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
Free employee cards with customizable limits and monthly reporting on their spending
No annual fee
Earn $100 Cashback Bonus when you apply now
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99%* |
None |
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Discover® Business Miles Card
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0% Intro APR* on Card Purchases and Balance Transfers
12,000 Bonus Miles*
Earn Double Miles on travel and gas*
Travel with no restrictions – book any airline, any date, any seat
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99% |
None |
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Gold Delta SkyMiles® Business Credit Card |
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Get 15,000 SkyMiles with first purchase
Earn up to 30,000 Bonus Miles in your first year
Save 5% on all Delta flights with your Card
One Delta mile for virtually every dollar you spend
No annual fee for the first year - a savings of $95
Unlimited fee-free Additional Cards
Save 3-25% on business purchases at companies like FedEx®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
9.99% for l.o.b.* |
17.24%* |
$95 |
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Business Gold Rewards Card® from American Express®
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| Business ownership has become more rewarding |
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Earn up to 40,000 bonus points in one year - enough for one domestic round-trip airline ticket plus other business supplies
Points have no expiration date
No limit to the number of Membership Rewards® points you can earn
No annual fee for the first year - a savings of $125
No pre-set spending limit* and no finance charges
Save 3-25% on business purchases at companies like FedEX®, Delta®, Hertz®, and more
Automatic Complimentary enrollment in the Membership Rewards® program
Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
$125 |
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SimplyCash® Business Card from American Express® |
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Earn 5% cash back on automobile gas, office supplies, and wireless services
Earn 1% cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
0% introductory APR for the first 12 months
No annual fee with the flexibility to pay in full or carry a balance
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
7.99% for l.o.b.* |
6.5% |
None |
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Starwood Preferred Guest® Business Credit Card |
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Winner of 2006 Freddie Awards: Voted Best Travel Rewards Credit Card by frequent travelers
Earn 10,000 Starpoints® with your first purchase — that's good for up to 3 free nights!
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Redeem at over 825 participating Starwood hotels
Transfer Starpoints to over 30 frequent flyer programs
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
No annual fee for the first year - a savings of $45
Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 2.90% for 6 mo. |
2.90% for 6 mo.* |
13.99%* |
None |
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Blue Cash® for Business Credit Card |
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Up to 5% Cash Back on virtually all purchases
There's no limit on the cash back you can earn
Earn cash rewards on purchases made by Additional Cardholders
0% Intro APR for 6 months
No annual fee
Option to pay over time or pay in full
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
9.99% for l.o.b.* |
9.49% |
None |
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JetBlue Business Credit Card from American Express |
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Exclusive benefit for JetBlue Business Cardmembers: 5% savings on JetBlue® flights purchased with your Card
50 TrueBlue® points, worth 1/2 of a free flight, after your first purchase
Earn 1 Award Dollar for virtually every dollar you spend
Earn double Award Dollars on JetBlue purchases, gas, wireless phone charges, and more
Save 3-25% on business purchases at companies like FedEx®, Hertz®, and more.
# Your TrueBlue® points do not expire when you use your Card
Protection when you travel: Car Rental Loss and Damage Insurance, Baggage Insurance, and more
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
3.99% for 6 mo. |
15.99% |
$40 |
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TrueEarnings® Business Card from Costco and American Express |
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5% rewards for buying gas.
3% rewards for dining out.
2% rewards for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
1% rewards on all other Eligible Purchases.
Rebates are awarded annually in the form of an in-store coupon.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 3 momths |
1.99% for 6 months |
15.99% |
None |
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Platinum Business FreedomPass® Credit Card from OPEN the small business team |
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5,000 point welcome bonus with first purchase
Earn 1 point for every dollar you spend
Redeem for savings on any flight, hotel, car rental or cruise
No blackout dates and no travel restrictions
0% Introductory APR on purchases for the first 12 months
No annual fee and the option to pay over time or pay in full
Fee-free Additional Cards
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more. |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 months |
7.99% for l.o.b. |
9.99% |
None |
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Advanta Platinum with Rewards BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Reward You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Advanta Life-of-Balance Platinum Card
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2.99% Fixed APR for Life on Balances Transferred within 3 months
6% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.99% for the life |
9.99% |
None |
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Advanta Customized BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo. |
7.99% |
None |
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Chase Business Cash Rewards Visa® Card
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Earn up to 5% cash back with unlimited rewards potential.
With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.
0% Intro APR for up to 12 months
Pay No Annual Fee
Receive quarterly management reports
Receive additional cards your employees can use
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Business Rebate Card |
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3% Cash Back for eligible purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
1% Cash Back on all other purchases
0% Intro APR for up to 12 Months
No Annual Fee
Great deals on computer equipment, car rentals, hotel rooms and more with the Visa® Business Partner Advantage
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Reward Credit Cards
With reward credit cards, you can earn cash back or accumulate points towards various rewards. There are different types of rewards cards, so make sure to select the type of reward you want to receive and the card that gives you the greatest points or cash back on your most frequent purchase (gas, groceries, etc).
Earnings range from 1% to 10% on certain types of purchases, so a little research now will go a long way. Not only are reward rates important, but make sure that your most frequent purchases are getting the maximum rewards. A 10% reward on gas is no good to you if you don't own a car.
A lot of cards will lump everday purchases together. These typically include gas, groceries, and drugstore purchases. In some cases, the higher rate is only an introductory offer that expires after a few months. Read the terms and conditions of each card carefully to find out if the rate applies for the life of the card.
Many reward credit cards put a cap on the total earnings you can accumulate each year. The majority of people will never hit this cap, but if you're a big spender you may want to look into a card that has no limit on its rewards (typically business cards). Another option would be to get more than one rewards card, this way you can split up the rewards into cashback and airline miles.
Most reward credit cards come with high interest rates, so it will only work to your advantage if you plan on paying your bill on time every month. If you have trouble paying your credit card bill every month, you may be more interested in our low interest credit cards.
You may also be interested in cards that offer cash back, frequent flyer miles or 0% APR for an introductory period. Businesses can benefit from business credit cards that offer many kinds of rewards unique to business cards.
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