Our editor's take
CardRatings Managing Editor
Here's a card that makes it easy to earn points toward rewards for everyday purchases with the ThankYou Network. For starters you can earn 20,000 bonus ThankYou Points after you make $1,500 in card purchases within the first 3 months of account opening which you can redeem for $200 in gift cards or other rewards. You can also earn 2 ThankYou Points per dollar on purchases on dining at restaurants and entertainment. Downside: There can be a high APR for less credit worthy applicants.