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Reward credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on May 22, 2015

Reward credit card offers: super bonus or super bogus?  Rewards credit cards can give you a chance to get a little something back for all the money you spend using your card each month, so what should you consider before deciding which one is right for you?  Reward card offers may interest consumers interested in various types of rewards who have a good credit score and pay their balance in full each month.

Compare your card and see how it stacks up
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Citi ThankYou<sup>®</sup> Premier Card
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Citi ThankYou® Premier Card

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
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Points or Miles Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
Bonus Miles or Points Earn 50,000 bonus ThankYou Points
after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
Purchase APR 13.99% - 22.99%* (Variable) 
Annual Fee $95; fee waived for the first 12 months*
APPLY NOW Credit Needed Excellent
AT&T Access More Card from Citi
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AT&T Access More Card from Citi

  • Exclusive New Phone Offer*
  • 3 ThankYou Points for every $1 you spend on purchases made online at retail and travel websites*
  • 3 ThankYou Points for every $1 you spend on products and services purchased directly from AT&T*
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Points or Miles 3 ThankYou Points for every $1 you spend on purchases made online at retail and travel websites.* 3 ThankYou Points for every $1 you spend on products and services purchased directly from AT&T.* 1 point earned for every $1 you spend on other purchases.*
Bonus Miles or Points N/A
Purchase APR 14.99% - 22.99%* (Variable) 
Annual Fee $95
APPLY NOW Credit Needed Excellent
Chase Sapphire Preferred<sup>®</sup> Card
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Chase Sapphire Preferred® Card

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
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Points or Miles 1-2 pts/$1
Bonus Miles or Points 40,000 bonus points
when you spend $4,000 on purchases in the first 3 months from account opening. Earn 5,000 additional bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
Purchase APR 15.99% Variable
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APPLY NOW Credit Needed Excellent
Citi<sup>®</sup> Hilton HHonors<sup>™</sup> Visa Signature<sup>®</sup> Card
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Citi® Hilton HHonors Visa Signature® Card

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
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Points or Miles See Terms
Bonus Miles or Points 40,000 HHonors Bonus Points
after $1,000 in purchases within the first 4 months of account opening.
Purchase APR 15.24% - 19.24%* Variable
Annual Fee None
APPLY NOW Credit Needed Excellent
The Amex EveryDay<sup>SM</sup> Credit Card from American Express
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The Amex EveryDaySM Credit Card from American Express

  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
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Points or Miles 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
Bonus Miles or Points Earn 10,000 Membership Reward® points
after you use your new Card to make $1,000 in purchases within the first 3 months.
Purchase APR 12.99% - 21.99% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
United MileagePlus<sup>®</sup> Explorer Card
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United MileagePlus® Explorer Card

  • LIMITED TIME OFFER: Start with 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months
  • Check your first bag for free -- save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
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Points or Miles Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
Bonus Miles or Points Start with 50,000 bonus miles
after you spend $3,000 on purchases in the first 3 months
Purchase APR 15.99% Variable
Annual Fee $0 intro annual fee for the first year, then $95
APPLY NOW Credit Needed Excellent
Citi<sup>®</sup> Hilton HHonors<sup>™</sup> Reserve Card
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Citi® Hilton HHonors Reserve Card

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
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Points or Miles Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*; Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*; Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
Bonus Miles or Points Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio
after $2,500 in eligible purchases within 4 months of account opening*
Purchase APR 15.24% Variable
Annual Fee $95
APPLY NOW Credit Needed Excellent
PlayStation<sup>®</sup> Card from Capital One<sup>®</sup>
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PlayStation® Card from Capital One®

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
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Points or Miles 10 points per $1 spent on all PlayStation® Store purchases; 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com; 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill; 1 point per $1 spent on all other purchases
Bonus Miles or Points Earn 5,000 bonus points
after your first purchase in the first 90 days
Purchase APR 13.9% - 24.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Good
The Amex EveryDay<sup>SM</sup> Preferred Credit Card from American Express
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The Amex EveryDaySM Preferred Credit Card from American Express

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
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Points or Miles 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
Bonus Miles or Points Earn 15,000 Membership Reward® points
after you use your new Card to make $1,000 in purchases within the first 3 months.
Purchase APR 12.99% - 21.99% Variable
Annual Fee $95
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Card Finder Tool
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Capital One® Card Finder Tool

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
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Points or Miles See Terms
Bonus Miles or Points See Terms
Purchase APR Various Rates 
Annual Fee See Terms
APPLY NOW Credit Needed N/A
Sony Card from Capital One<sup>®</sup>
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Sony Card from Capital One®

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
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Points or Miles 5 points per $1 at Sony Store and store.sony.com; 3 points per $1 on dining out and movie purchases; 1 point per $1 spent on all other purchases
Bonus Miles or Points Earn 5,000 bonus points
after first purchase in your first 90 days
Purchase APR 13.9% - 24.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Citi Prestige<sup>®</sup> Card
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Citi Prestige® Card

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
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Points or Miles Earn 3x points on Air Travel and Hotels; Earn 2x points on Dining at Restaurants and Entertainment; 1 ThankYou® Point per $1 spent on other purchases
Bonus Miles or Points Earn 50,000 bonus ThankYou® Points
after $3,000 in purchases made with your card in the first 3 months the account is open.
Purchase APR 15.24%* (Variable) 
Annual Fee $450
APPLY NOW Credit Needed Excellent
Citi ThankYou<sup>®</sup> Preferred Card - Earn 20,000 Bonus Points
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Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
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Points or Miles 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
Bonus Miles or Points Earn 20,000 bonus ThankYou® Points
after $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!
Purchase APR 12.99% - 22.99%* (Variable) 
Annual Fee $0*
APPLY NOW Credit Needed Excellent
Credit Card Database

More about Reward credit card offers

  • Am I a good candidate?
  • How to choose the right card?
  • Are rewards hard to earn & spend?
  • Is it too good to be true?

When you were little, a cookie might have been your favorite reward for good behavior, but now that you are a grown-up, rewards like airline miles, reward points toward hotel nights and perhaps a gift card to your favorite restaurant may be more your speed. If you are contemplating completing a new credit card application, you should consider the benefits of a rewards credit card. In general, credit cards that earn you rewards points are best if you pay your balance in full each month and you have good credit.

Reward credit card options

If you have an excellent or good credit rating, you will find many choices in rewards credit cards. If you want to receive special rewards toward travel or restaurants, or other types of awards, and you generally pay your bill in full each month, these cards are a great choice for you.

Different credit card companies provide different reward options. Some credit cards come with the option of trading your rewards points for cash, while others offer a wide range of choices for your points such as airline miles, credits for a hotel stay or gift cards you can use at stores, gas stations and restaurants. Before you choose the best reward credit card for your needs, you should think about how you spend your money and which rewards are most meaningful to you.

If you like to travel, an airline credit card might be your best option. If you dine out often, you may want to try a rewards card that offers gift cards for places in your area. If you are focused on saving money, a card that you can use to pay for gas could be the best rewards credit card for your needs.

How to qualify for a rewards credit card

In addition to checking on the fine print about how your rewards credit card works, you need to be aware that most credit card companies reserve their rewards credit cards for good credit customers. In spite of the fact that these cards require good to excellent credit, along with other credit criteria, they often carry a slightly higher interest rate because of the rewards you can earn. Some rewards credit cards also have a higher annual fee than credit cards without rewards. 

If you intend to pay your balance in full each month, then the interest rate won't matter to you, but be sure you can continue to pay your balance every time if you choose a credit card with a higher rate.

If the annual fee is too high, you could wipe out the benefits of the rewards you are earning. Take a few minutes to estimate how much you will charge to the card and what your rewards will be at the end of a year, then compare that to the annual fee to make sure the rewards credit card is worth the extra fee. You can begin to compare rewards credit cards by checking out the list of credit card offers from our partners on this page.

Before you apply, you need to consider what type of rewards credit card would best fit your life. Do you travel often? Perhaps a card that offers airline miles, hotel nights, or even gas rewards would be good for you. Do you love to eat out? Look for a card that gives specific rewards for dining purchases. Just want to save a bit? Consider cash back rewards cards that give a percent of your purchases back to you.

Compare reward credit card offers

Once you have decided how you will use your rewards, you may find comparing credit card offers is helpful to see which one offers the most rewards for the least amount of spending. For example, if your goal is to earn airline miles, you should check:

  • How quickly you can build up rewards--some rewards credit cards allow you to earn two airline miles for every dollar you charge to the credit card, while others offer one mile per dollar.
  • Where you can use your rewards--not every credit card allows you to use your rewards toward frequent flyer miles on every airline, so check to make sure the airline you use most is on the list of rewards.
  • Check the minimum balance requirement--for example some rewards credit cards require you to earn a minimum number of rewards points before you cash them in, so if you are planning on using your rewards points for your next hotel stay, make sure you can cash your points in on time.
  • Check the expiration date--if you are going to the trouble of finding the right rewards credit card, make sure the rewards don't expire before you can use them. For instance, if you intend to build up airline miles for a once-in-a-lifetime vacation two years from now, make sure your earned rewards will still be available then.

Rewards are earned in a variety of ways, each tied to the amount you spend. Some cards will give you two miles for every dollar spent, while some offer two points toward hotel stays for every dollar. Cards can also come with as little as a one-to-one reward. As far as spending rewards, it is important to read the fine print. Most have minimum limits you must earn before you spend, while others have fast expiration terms. Comparing rewards cards may be helpful to see up front which one may be a fit you.

Rewards cards can be a fun way to earn a little back on your expenditures. However, as always, let the buyer beware. Rewards credit cards often carry annual fees and sometimes even carry higher interest rates then the no-frills cards, cards without a rewards program.  If you plan to carry a balance on your card, then a rewards credit card probably isn’t right for you since the interest will quickly negate any rewards you earn.