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Reward Credit Card

Reward Credit Card

Hoping to find a reward credit card? Determining which credit card you want to apply for can be determined by the types of rewards programs offered by the credit card companies if they offer rewards that work for you. If your credit score is good and you pay your credit card bills on time each month then there are a variety of reward credit cards open to you.

What to look for:

You want to examine any rewards program offered by credit card issuers carefully. Look for cards that offer multiple types of rewards programs including cash back and purchasing your discounts. You want to be able to use the card anywhere and still get your cash back or discounts so look for cards that don’t restrict you to their purchasing site or brand. Make sure you are not paying more in fees or interest charges than you will benefit from a rewards program. Here are a list of cards with rewards programs for your consideration.

Credit Card Review

Credit Card Review

Reward Credit Card Review

TrueEarnings card from Costco American Express. This card is open to Costco members only so you will have to pay the membership fee at Costco to qualify for this card. This card offers a cash back program on almost any purchase. There is no other annual fee for the card except the Costco membership fee. You get 1% cash back on any purchase at Costco or any other purchases made anywhere with the card. There are higher cash back offers for purchases in the travel category including 3% for restaurants, 2% for travel and 3% for gas purchases. The rewards are redeemable at Costco for cash or merchandise.

Discover it® Card. Discover it card while not accepted at all retail or travel locations does offer a 5% cash back reward on the first $1,500 spent in selected categories of purchases made with the card. Discover’s cash back categories change quarterly as determined by the company. You get 1% cash back on all other purchases made using the card. There are spending caps or limits on some of the category purchases. The rewards can be redeemed for merchandise, gift cards and other types of rewards.

American Express Blue Cash. The Blue Cash card offers up to 5% in cash back rewards according to different categories in a program very similar to the Discover cash back program. The categories stay the same with the Blue Cash card including gas, grocery, drug store and other everyday purchases. For non-category purchases made with the card you get 1.25% cash back. None of the cash back rewards kick in until you use the card for $6,500 in purchases per year. Until you have reached that limit you receive 1% cash back on everyday purchases and 0.5% on all other purchases made with the card. So if you are not likely to spend at least $6,500 a year on this credit card go with another card.

Rewards Card

Rewards Card

Reward credit cards are credit cards that generally offer some type of reward for purchases made using the card. The best reward credit cards offer rewards such as cash back and points on purchases while some offer travel and hotel rewards as well. Reward credit cards are generally for people with a good to excellent credit card score or credit rating. This would require a credit score of at least 700-749 for credit cards that require good credit and a credit score of 750 or above for credit cards that require excellent credit. If you have good to excellent credit, compare and apply for the best reward credit card below. See also Credit Cards with Rewards and hotel rewards points

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Barclaycard Rewards MasterCard - Average Credit
  • Overall Rating

    Five Stars

  • Benefit Rating

    Five Stars

Apply Now
  • No annual fee
  • Earn 2,500 points, equal to a $25 statement credit, after your first purchase or balance transfer
  • 0% Introductory APR for 6 months on purchases and balance transfers
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you’ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

 

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Billing Cycles 24.99% (Variable) $0 Yes* Average
Barclaycard Rewards MasterCard - Good Credit
  • Overall Rating

    Five Stars

  • Benefit Rating

    Five Stars

Apply Now
  • Earn 2,500 bonus points after your first purchase, which is enough for a $25 statement credit.
  • 0% Introductory APR for 6 months on purchases and balance transfers
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you’ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • This offer is for customers with Good Credit

 

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Billing Cycles 24.99% (Variable) $0 Yes* Good
Virgin America Visa Signature Card
  • Overall Rating

    Five Stars

  • Benefit Rating

    Five Stars

Apply Now
  • Earn up to 15,000 Bonus Points on qualifying transactions
  • Enjoy 3 Points per $1 on Virgin America purchases
  • Earn 1 Point per $1 spent everywhere else
  • Low Intro rate on balance transfers for the first 15 months after account opening
  • $150 off a companion ticket every year
  • No blackout dates on any seat, at any time for reward flights
  • Please see terms and conditions for complete details

 

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.99% - 24.99% (Variable) $0 Yes* Excellent
USAA Rewards Visa
  • Overall Rating

    Five Stars

  • Benefit Rating

    Five Stars

Apply Now
  • 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.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to 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.com or from your mobile device — with no redemption fee.
  • Free Travel and Retail Benefits:1 Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 9.90% - 25.90% (Variable) $0 Yes Excellent
Discover It
  • Overall Rating

    Five Stars

  • Benefit Rating

    Five Stars

Apply Now
  • 0% intro APR on balance transfers for 18 months – then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment – APR won’t go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service – anytime, day and night.
    *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months on Purchases 10.99% to 22.99% Variable* No Yes* Excellent
Discover It
  • Overall Rating

    Five Stars

  • Benefit Rating

    image description

Apply Now
  • 0% intro APR on balance transfers for 18 months – then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment – APR won’t go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service – anytime, day and night.
    *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 0% Intro APR* on balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred 10.99% - 22.99% (V)* None* Yes* Excellent Credit

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