Rewards credit cards are any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we offer a list of rewards cards that offer a variety of options, from cash back to travel to points programs, and offer credit to customers from fair credit to excellent credit:
- Credit One Bank® Cash Back Credit Card – See if you Pre-Qualify without harming your credit score. 1% cash back on eligible purchases, terms apply. No deposit requirements and opportunities to build your credit. ++
- Credit One Bank® NASCAR® Visa® Credit Card – Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply. $0 Fraud Liability protects you from unauthorized charges. Email or text alerts to remind you when your payment is due. ++
> Citi Double Cash Card – Earn 1% cash back on all card purchases, plus 1% on all of your purchase payments, for essentially a 2% rebate. (You don’t get cash back on interest charges or late fees, though.)
> Citizens Bank CashBack Plus MasterCard – Offers 1.5% cash back on all purchases, plus the opportunity to raise that rate to 1.65% or even 1.8% based on how often you use the card and/or your willingness to deposit your cash back into a Citizens Bank deposit account.
> TD Ameritrade Client Rewards Visa – Offers a 1.5% cash back rebate on all card purchases. In addition, if you deposit your cash back earnings into a TD Ameritrade account, you’ll get a 10% bonus on the deposit amount — bringing your overall cash back reward to 1.65%.
> Capital One Quicksilver Cash Rewards Card – Offers a straight 1.5% cash back on all card purchases. Purchases do not have to be in certain categories, and there is no cap on earnings.
> Chase Freedom Unlimited – Offers 1.5% cash back on all purchases, with no special spending categories to worry about. You can also earn an extra $150 cash back if you use the card for at lease $500 in purchases within the first 3 months of opening your account.
- Discover It Miles Card – This card is marketed as a travel card, but you also have the option to use it as a generous cash back card. It gives 1.5 “miles” per dollar charged to the card, but you can think of those miles as pennies, meaning you get a 1.5% rebate that you can use for cash or use as a statement credit against travel purchases you have made with the card.
- Barclaycard CashForward MasterCard – The reward here is 1.5% off all of your card purchases, plus a bonus: every time you redeem your cash back, you’ll get 5% of the amount you redeem as a bonus in your account toward your next rebate redemption. The downside? You can only get your cash back once you’ve accrued at least $50 in rebates.
- US Bank Cash 365 American Express Card – Earn 1.5% cash back on all your card purchases. Redeem your earnings as a statement credit, deposit into a US Bank account, or as a rewards debit card.
- BankAmericard Travel Rewards Credit Card – Offers 1.5 points per dollar charged to the card, and you can use the points to pay for all or some of your travel purchases. Each point is worth a penny, so 10,000 points will pay for $100 in travel expenses.
- Target REDcard Credit Card – This one comes with a caveat, because of its high interest rate — 23.4%. If you have the discipline to pay this card off every month, it offers you rewards you might find compelling: (1) 5% off everything you buy at Target and Target.com, and (2) free shipping at Target.com. But don’t get the card if you’re going to carry a balance or the high interest rate will kill off all of your savings!
- Lowe’s Credit Card – Like the Target credit card, the Lowe’s card doesn’t really offer a rewards program but instead offers an ongoing 5% discount on all Lowe’s purchases made with the card — which is actually better than saving up points for future rewards as far as we’re concerned.
- Marriott Rewards Credit Cards – Earn points that can be redeemed for future Marriott hotel stays — get 5 points per dollar on Marriott purchases, 2 points per dollar on restaurant, air/car rental, office supply store, and Internet/cable/phone purchases, and 1 point on everything else you buy with the card. $85 annual fee.
- Blue Sky from American Express – Travel rewards credit card gives you one point per dollar charged to the card, and every 7500 points you accrue is worth $100 in travel rewards. In other words, if you buy an airline ticket for $500 but have 7500 points accumulated, you could use those points to get a $100 refund on that ticket purchase, making the cost of the ticket $400. You get the reward as a credit on your account, so you pay the full cost of travel upfront and use the points to offset the cost afterward.
- Blue Cash Everyday from American Express – As the name suggests, this is a pure cash-back credit card: you get 3% cash back on purchases at supermarkets, 2% cash back at gas stations (provided they are stand-alone vs. affiliated with a retail store), 2% cash back on purchases at major department stores, and 1% cash back on all other card purchases.
- Priceline Rewards Visa – Earn points you can redeem toward travel purchases with the card. You get 5 points per dollar on Priceline purchases, 1 point per dollar on other purchases. 1 point = 1 cent, so, for example, 10,000 points would equal $100 in statement credit against your travel purchases.
- AARP Rewards Visa – Cash back credit card offers 3% rebates on gas station and restaurant purchases, and 1% cash back on all other card purchases.
- BankAmericard Cash Rewards Credit Card – Cash back credit card gives 3% cash back on gas purchases, 2% cash back on grocery and warehouse club purchases, and 1% cash back on all other card purchases. Note that gas and grocery/wholesale club purchases are considered “bonus” reward categories, and there is a quarterly cap on those rewards — if you hit $2500 in gas and grocery purchases in a calendar quarter, the cash back formula goes down to 1% on those purchases.
- Wyndham Rewards Visa – Wyndham offers a nice, simple loyalty rewards program: 15,000 points gets you a free night at any Wyndham hotel, regardless of how much a night’s stay costs. Wyndham’s credit card offerings help you get there faster, including an upfront bonus of one or two free nights just for using the card for the first time. There is a no annual fee card and a $69 annual fee card. Go for the fee if you use your card often, or stick with no fee if you don’t.
- Amazon.com Rewards Visa – Earn 3 points per dollar on all purchases at Amazon.com, 2 points per dollars on purchases at gas stations, restaurants and drug stores, and 1 point per dollar on all other purchases. Your points can then be used toward purchases at Amazon, with every point equaling a penny. NOTE: If you are an Amazon Prime member, you get 5 points per dollar on Amazon purchases, with the other points being the same.
- TJX Rewards Credit Cards – Earn points toward TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post reward certificates. Get 5 points per dollar on card purchases at any of these stores, and, if you qualify for the MasterCard version of this card, you’ll get 1 point per dollar on all purchases outside of these stores as well. Every 1,000 points equals a $10 rewards certificate you can use toward a future purchase.
- Hyatt Visa – Hotel rewards credit card gives you 3 points per dollar on Hyatt purchases, 2 points per dollar at restaurants and air/car rental purchases, and 1 point per dollar on everything else. Points can be used for free Hyatt hotel stays, with different hotels having different requirements for a freebie. $75 annual fee, but waived for the first year.
- Ann Taylor Credit Cards – Earn a $20 Ann Taylor rewards card for every 2,000 points earned. Get 5 points per dollar on Ann Taylor purchases and 1 point per dollar on purchases outside Ann Taylor. (You must qualify for the Ann Taylor MasterCard to get the points on purchases outside Ann Taylor.)
- Eddie Bauer Credit Card – Earn rewards toward future Eddie Bauer purchases equal to 5% of your spending with the card. If you spend over $750 with the card in a year, your reward goes up to 9% of your spending.
- Chase Freedom Card – Offers a 1% cash back rebate on all purchases, plus you can earn 5% back on purchases in certain categories that change each quarter.
- AAdvantage Platinum Select MasterCard – American Airlines credit card offers you 2 AAdvantage frequent flyer miles per dollar on AA purchases and 1 mile per dollar everywhere, and of course you can redeem miles for future AA flights. Nice bonuses include first bag checked free, Group 1 boarding, and 30,000 bonus miles if you use the card for $1000 in purchases in the first 3 months. Annual fee of $95 is waived for the first year.
- Gander Mountain Credit Cards – Earn points on Gander Mountain purchases (and possibly other purchases if you qualify for the MasterCard version of the card). Every 1,000 points gets you a $10 rewards certificate toward a future Gander Mountain purchase.
- Hilton HHonors Credit Cards – Hilton offers 4 different credit cards from two different issuing partners, Citi and American Express, so there is plenty of choice when it comes to earning additional HHonors points with your credit card spending. You can choose a card with no annual fee or pay an annual fee to get greater points rewards and other Hilton perks.
- Coldwater Creek MasterCard – Offers a points program that gives you 5 points per dollar on Coldwater Creek purchases as well as opportunities to earn points on other card purchases. Every 1000 points gets you a $10 Coldwater Creek rewards certificate toward a future purchase.
- Gap Credit Cards – Get a $5 reward card for every 500 points earned — you earn 5 points per dollar on Gap brand purchases (Gap, Old Navy, Banana Republic, Athleta), and 1 point per dollar on purchases outside these stores (this assumes you qualify for the Visa version of the card).
- Banana Republic Credit Cards – Banana Republic is part of the Gap store family, and its card offers the same points program as the Gap card above.
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