CardRatings.com

Featured Reward Credit Cards ^About

Thank you for your interest in obtaining our ratings of credit cards offering rewards. In this section you will find a comprehensive listing of credit cards that offer free rebates, perks, and rewards. These cards, commonly known as reward or rebate credit cards, have become very popular with consumers during the past few years. This section is divided into two main rebate categories (links below): cashback and/or reward point cards and airline and/or travel cards. You can earn free airline tickets, gift certificates, merchandise, gas, and even cash back just by using one of the credit cards featured in this section to make everyday purchases. It is not uncommon for cardholders to receive hundreds of dollars in cash rebates and/or free airline tickets during any given year! We are pleased to offer consumer tips regarding how to evaluate an airline card offer and how to evaluate a cashback card offer.

Consumer Alert! This section is geared toward consumers who pay their card balance(s) in full each month. If you occasionally carry a balance on your cards, you should avoid the allure of reward cards. Most reward cards have higher interest rates than traditional credit cards and some, particularly airline reward cards, have annual fees. Such disadvantages usually far outweigh any rewards you might earn. If you carry a balance on your card(s), then please visit our low rate report or low introductory rate report for a listing of cards offering attractive interest rate offers.

Application Requirements: Many cards featured on our site offer secure online applications. Online applications are safe, fast ( select cards offer expedited online application processing and online approval to qualified applicants), and convenient. For more information regarding online security issues, please visit our internet security page.

Cash Back/Reward Points Not intended for applicants with a poor credit score!
Airline/Travel Rewards Not intended for applicants with a poor credit score!

Important Consumer Notes! Consumer advocacy groups recommend that you obtain a copy of your credit reports at least once a year to prevent fraud and to insure that your report is accurate. It is also wise to verify that your credit reports are accurate before applying for credit (including credit cards). Credit reports can cost up to $9.50 per report. Thanks to a recently enacted federal law, some consumers, including residents of certain states, are entitled to a free credit report. If you don't qualify for a free credit report, you still have the opportunity to obtain a free instant online copy of your personal Experian credit report ¹, as well as a free instant online copy of your personal Trans Union credit report ¹. Both offers also include a free 30 day trial membership offer. Note! If you decide to continue the trial membership beyond 30 days, you will be charged an annual fee of $79.95 for the TransUnion offer and $9.95 per month for the Experian offer. We suggest that you consider taking advantage of both offers, since these are two different offers representing two different national credit bureaus (credit reporting agencies). Both bureaus compile their own credit data. Thus, each bureau may contain different information regarding your credit history. Finally, creditors may use information from both bureaus when making credit decisions.

It is also recommended that you know what your credit score is when "shopping for credit cards". A high credit score is often the key to obtaining the best credit cards (a good credit score will increase your likelihood of getting approved for the best credit cards). Fortunately, through our website, you can instantly obtain your official credit score online for free from Experian, as well as your official credit score online for free from TransUnion. Other similar credit score offers cost up to $14.95. Both offers includes helpful information about how to improve your credit rating/score. Both offers also include a free 30 day trial membership offer. Note! If you decide to continue the trial membership beyond 30 days, you will be charged an annual fee of $79.95 for the TransUnion offer and $9.95 per month for the Experian offer. We suggest that you consider taking advantage of both offers, since these are two different offers representing two different national credit bureaus (credit reporting agencies). Both bureaus compile their own credit data. Thus, each bureau may contain different information regarding your credit score (your score will likely not be same for each bureau).