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Reward credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on March 1, 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 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 1.25 miles/$1
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% - 19.9% (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 on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
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Points or Miles 2X miles/$1
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 13.9% - 20.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent / Good
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
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
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
Citi Prestige<sup>®</sup> Card
About Our Ratings

Citi Prestige® Card

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 30,000 bonus ThankYou® Points after $2,000 in purchases made with your card in the first 3 months the account is open.
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Points or Miles 1 - 3 ThankYou® Points/$1
Bonus Miles or Points Earn 30,000 bonus ThankYou® Points
after $2,000 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
IHG<sup>®</sup> Rewards Club Select Credit Card
About Our Ratings

IHG® Rewards Club Select Credit Card

  • Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
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Points or Miles 1-5 points/$1
Bonus Miles or Points Earn 70,000 bonus points
after you spend $1,000 in the first 3 months of account opening
Purchase APR 15.99% Variable
Annual Fee $0 introductory annual fee the first year, then $49
APPLY NOW Credit Needed Good
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 spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
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Points or Miles 1X-3X points/$1
Bonus Miles or Points Earn 25,000 Membership Rewards® points
after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
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
Marriott Rewards<sup>®</sup> Premier Credit Card
About Our Ratings

Marriott Rewards® Premier Credit Card

Editor's take by Curtis Arnold
  • Lucrative rewards program allows Marriott loyalists to easily rack up free night stays
  • Currently offering a substantial sign-up bonus after meeting spend requirements
Watch out for: This card is recommended to people who regularly stay at Marriott properties and who do not carry a balance.
APPLY NOW Credit Needed Excellent
Visa<sup>®</sup> Black Card<sup>™</sup>
About Our Ratings

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
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 RewardsSM
  • 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 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 RewardsSM
Purchase APR 15.99% Variable
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APPLY NOW Credit Needed Excellent
Southwest Airlines Rapid Rewards<sup>®</sup> Premier Credit Card
About Our Ratings

Southwest Airlines Rapid Rewards® Premier Credit Card

  • Get 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Get 6,000 points after your Cardmember Anniversary.
  • Earn 2 points per $1 spent on Southwest Airlines® purchases made directly with the airline and on Rapid Rewards Hotel and Car Rental Partner purchases.
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Points or Miles 1-2 pts/$1
Bonus Miles or Points Get 25,000 points
after you spend $1,000 on purchases in the first 3 months of opening your account.
Purchase APR 15.99% Variable
Annual Fee $99
APPLY NOW Credit Needed Excellent
Barclaycard Arrival Plus<sup>™</sup> World Elite MasterCard<sup>®</sup>
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Barclaycard Arrival Plus World Elite MasterCard®

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
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Points or Miles 2X miles/$1 on all purchases
Bonus Miles or Points Earn 40,000 bonus miles
when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
Purchase APR 14.99% or 18.99%* Variable
Annual Fee $89 - Waived first year
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
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
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
Starwood Preferred Guest<sup>®</sup> Credit Card from American Express
About Our Ratings

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
British Airways Visa Signature<sup>®</sup> Card
About Our Ratings

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
Simmons Bank Visa<sup>®</sup> Platinum Rewards
About Our Ratings

Simmons Bank Visa® Platinum Rewards

  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
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Points or Miles 1 point/$1
Bonus Miles or Points None
Purchase APR 9.25% Variable
Annual Fee None
APPLY NOW Credit Needed Excellent
PenFed Premium Travel Rewards American Express<sup>®</sup> Card
About Our Ratings

PenFed Premium Travel Rewards American Express® Card

  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points on airfare purchases
  • Earn 1 point on all other purchases
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Points or Miles 1-5 pts/$1
Bonus Miles or Points 20,000 bonus points
when you spend $2,500 within the first 3 months of opening the Card account
Purchase APR 9.99% 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.