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Reward credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on April 25, 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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Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card
About Our Ratings

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
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Points or Miles Earn unlimited 1.25 miles per dollar on every purchase, every day
Bonus Miles or Points Enjoy a one-time bonus of 20,000 miles
once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
Purchase APR 11.9% - 21.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card
About Our Ratings

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
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Points or Miles Earn unlimited 2X miles per dollar on every purchase, every day
Bonus Miles or Points Enjoy a one-time bonus of 40,000 miles
once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
Purchase APR 12.9% - 22.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent/Good
Citi<sup>®</sup> /  AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> MasterCard<sup>®</sup>
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Citi® / AAdvantage® Platinum Select® MasterCard®

  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
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Points or Miles Double AAdvantage® miles on eligible American Airlines purchases*
Bonus Miles or Points For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles
after making $3,000 in purchases within the first 3 months of account opening*
Purchase APR 13.99% - 21.99%* (Variable) 
Annual Fee $95, waived for first 12 months*
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
American Express<sup>®</sup> Premier Rewards Gold Card
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American Express® Premier Rewards Gold Card

  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • Earn Points Faster: 3X points for flights booked directly with airlines and 2X points at US gas stations & US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • With the Membership Rewards® program, you can use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
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Points or Miles Earn Points Faster: 3X points for flights booked directly with airlines and 2X points at US gas stations & US supermarkets, 1X points on other purchases. Terms and limitations apply.
Bonus Miles or Points Earn 25,000 Membership Rewards® points
after you use your new Card to make $2,000 in purchases in your first 3 months.
Purchase APR N/A [You must pay your balance in full each month] 
Annual Fee Introductory annual fee of $0 for the first year, then $175
APPLY NOW Credit Needed Excellent
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
BankAmericard Travel Rewards<sup>®</sup> Credit Card
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BankAmericard Travel Rewards® Credit Card

  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees†
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
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Points or Miles 1.5 pts/$1
Bonus Miles or Points Online exclusive 10,000 bonus points
if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases.
Purchase APR 14.99% - 22.99% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
Visa<sup>®</sup> Black Card<sup>™</sup>
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Visa® Black Card

  • Earn 25,000 Bonus Points when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program.
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
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Points or Miles See terms
Bonus Miles or Points Earn 25,000 Bonus Points
when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program
Purchase APR 14.99% Variable
Annual Fee $495
APPLY NOW Credit Needed Good
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World MasterCard<sup>®</sup>
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CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

  • Designed for businesses with an established credit history
  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • Get the first checked bag free for you and up to 4 traveling companions*
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Points or Miles 1-2 AAdvantage® miles per $1 spent on eligible purchases
Bonus Miles or Points For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles
after making $3,000 in purchases within the first 3 months of account opening*
Purchase APR 15.24% Variable
Annual Fee $95, waived for first 12 months*
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
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
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
U.S. Bank FlexPerks<sup>®</sup> Travel Rewards American Express<sup>®</sup> Card
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U.S. Bank FlexPerks® Travel Rewards American Express® Card

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
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Points or Miles 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs. 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
Bonus Miles or Points Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card
after you spend $3,500 in Net Purchases on your Card within the first four months of account opening.
Purchase APR 13.99% - 23.99%* (Variable)
Annual Fee $0 for the first year, then $49*
APPLY NOW Credit Needed Excellent
Gold Delta SkyMiles<sup>®</sup> Credit Card from American Express
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Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on Delta purchases. 1 mile for each dollar you spend on other eligible purchases.
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Points or Miles Earn 2 miles on Delta purchases. 1 mile for each dollar you spend on other eligible purchases.
Bonus Miles or Points Earn 30,000 bonus miles
after you make $1,000 in purchases on your new Card within your first 3 months.
Purchase APR 15.24% - 19.24% Variable
Annual Fee $0 intro annual fee for the first year, then $95
APPLY NOW Credit Needed Excellent
United MileagePlus<sup>®</sup> Explorer Card
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United MileagePlus® Explorer Card

  • Start with 30,000 bonus miles after you spend $1,000 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 1-2 miles/$1
Bonus Miles or Points Start with 30,000 bonus miles
after you spend $1,000 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
Discover it<sup>®</sup> Miles
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Discover it® Miles

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases.
  • Exclusive Double Miles Offer: At the end of your first year--when other Miles cards charge an annual fee--Discover doubles all the Miles you've earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
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Points or Miles 1.5x Miles on every dollar you spend on purchases*
Bonus Miles or Points Exclusive Double Miles Offer:
At the end of your first year--when other Miles cards charge an annual fee--Discover doubles all the Miles you've earned.*
Purchase APR 10.99% - 22.99% Variable* 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Starwood Preferred Guest<sup>®</sup> Credit Card from American Express
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Starwood Preferred Guest® Credit Card from American Express

  • Earn up to 25,000 bonus Starpoints®
  • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
  • Terms and Restrictions apply.
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Points or Miles
Bonus Miles or Points Earn up to 25,000 bonus Starpoints®
Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
Purchase APR 15.24% - 19.24% variable
Annual Fee $0 introductory annual fee for the first year, then $65
APPLY NOW Credit Needed Excellent
The Platinum Card<sup>®</sup> from American Express
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The Platinum Card® from American Express

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
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Points or Miles
Bonus Miles or Points Earn 40,000 points
after you spend $3,000 on purchases on your new Card in your first 3 months.
Purchase APR N/A [You must pay your balance in full each month] 
Annual Fee $450
APPLY NOW Credit Needed Excellent
British Airways Visa Signature<sup>®</sup> Card
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British Airways Visa Signature® Card

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • NEW: $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
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Points or Miles 1.25-2.5 Avios/$1
Bonus Miles or Points You will get 50,000 bonus Avios
after you make $2,000 in purchases within the first 3 months of account opening.
Purchase APR 15.99% Variable
Annual Fee $0 Intro Annual Fee The First Year, Then $95
APPLY NOW Credit Needed Excellent
Barclaycard<sup>®</sup> Rewards MasterCard<sup>®</sup>
About Our Ratings

Barclaycard® Rewards MasterCard®

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
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Points or Miles 1-2 pts/$1
Bonus Miles or Points N/A
Purchase APR 24.99%* Variable
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
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.