We researched over 500 credit cards to figure out find the best credit cards for rewards. With so many cards offering points, miles and other perks to choose from comparing cards can be very difficult. The best credit cards reward program will also depend upon your personal or business spending habits. To help you out we've compiled our list of the best rewards cards of 2014 as well as some tips and tools to help you compare all your rewards credit card options.

Our Top Rewards Credit Cards

We focused on credit cards with rewards that would be best for everyday use. If you could have only one rewards card these are the cards we think you should choose from. Our rankings account for bonuses that you'll earn with the cards as well as spending rewards. If you don't care about bonuses then consider one of the cash back cards.

Card Rewards Rewards Rate Rating
Barclaycard Arrival Plus Wold Elite MasterCard All Travel  2.2% 95
Starwood Preferred Guest from American Express Hotel 2.2% 94
Citi Double Cash Credit Card Cash Back 2% 90
Capital One Quicksilver Cash Back 1.5% 85
Chase Sapphire Preferred All Travel 1.25 - 3.75% 83
Barclaycard Arrival World MasterCard All Travel 1.1 - 2.2% 80

Barclaycard Arrival Plus: Best All Around Travel Rewards 

For rewards credit cards that you can use everyday, the Barclaycard Arrival Plus World Elite MasterCard is hands down the best. If you travel just once a year, or even once every two years, the lucrative yet simple rewards from this credit card are too good to pass up. The standout feature of the card is the 2.2% rewards rate you'll receive on all your spending, when used as a statement credit on any travel expense. With many other cards you could only come close to these rewards if you spent on specific categories, or used the awards at a single chain of airlines or hotels. With the Arrival, you can spend your money anywhere and redeem the rewards for any travel purchase.

Putting the card over the top is also one of the largest signing bonuses available. At 40,000 miles, worth $400 dollars, new cardholders are offered a fantastic promotion for getting the Barclaycard. When Barclaycard rebranded the Arrival Plus earlier this year, they expanded the categories of expenses that fall under travel. This added Taxis, Buses, Limousines, Tourist Attractions, Timeshares and Campgrounds to the mix. This vastly increases the number of day to day expenses that the miles could be used for.

The Barclaycard Arrival Plus is our best rewards card for someone that spends more than $1000 a month, and has sufficient travel expenses each year. This will allow you to satisfy all the spending requirements necessary to qualify for the signing bonus, as well as make the cards rewards more worthwhile when compared to a no annual fee option. It also ensures that you have actual uses for the miles earned with the card.

Additional Travel Rewards Credit Cards Resources

Starwood Preferred Guest American Express: Best Hotel Rewards

When it comes to the best hotel credit cards, consumers should really consider the Starwood Preferred Guest first. With both the personal and business versions of this American Express offering, cardholders can enjoy one of the highest average dollar per point values of any loyalty program. Starpoints from the SPG program are worth an astounding 2.3 cents per point. On general spending alone the card rewards you with 2.3% on your spending, double that if it is used at a Starwood affiliated resort or hotel. With over 1100 properties worldwide, including familiar brands such as the Westin, Sheraton and W hotels, travelers can find a redemption option in nearly every corner of the world.

As an additional benefit, Starpoints earned through the credit card and the SPG loyalty program can be exchanged for loyalty rewards at most major airlines. With most airlines accepting these transfers at a 1:1 ratio, you can use Starpoints to top off an awards travel booking, adding just a little more flexibility in your rewards use. New cardholders also qualify for a 25,000 point signing bonus, worth nearly 500 dollars in hotel stays.

Highlights

  • One of the highest dollar value per reward of all credit cards we surveyed.
  • Rewards are usable at nearly 1000 properties and 32 airlines through the points transfer program.
  • Signing Bonus: 30,000 point bonus worth at as much as $600 for new card members
  • Rewards Rate: 2.2%

Additional Resources For Hotel Credit Cards

Citi Double Cash Card: Best Flat Rate Cash Back Rewards

The Citi Double Cash is the new entrant in flat rate cash back rewards and it bests just about everything we've seen offered thus far. With an effective 2% cash back on all your spending, it's one of the best rewards offerings we've seen in a long time. The lack of a bonus makes it less worthwhile than some of the other cards in the short term, since those hundreds of dollars of extra rewards can be pretty valuable right now. With no annual fee and 1% cash back immediately when you make a purchase and another 1% back when you pay off your bill the Double Cash Card is otherwise quite hard to beat. Citi is also currently offering an introductory purchase and balance transfer APR. It's just begging you to make the switch.

Highlights

  • Rewards Rate: 2% Cash back on all spending
  • No annual fee

Capital One Quicksilver Cash Rewards: Best Cash Back with Bonus

The Capital One Quicksilver Cash Rewards Credit Card offers a little more flexibility at the cost of some overall value. All else being equal cash back is our favorite rewards mechanism, and that's just want the Quicksilver gives you. With 1.5% cash back on all spending, the Quicksilver offers a relatively good return without many hoops to jump through. Best of all, with no annual fee it is a rewards card with nearly no financial burdens.  New card members qualify for a one time $100 bonus if they spend $500 dollars on purchases within the first 3 months. The signing promo is one of the smaller bonuses available, but also among the easiest to achieve in the cards we've surveyed. 

The previously mentioned travel rewards cards are more generous overall, so if you travel at all it's a better financial decision to go with one of those. If however you're for a no hassle rewards card for your primary credit card, there is no substitute for the Quicksilver.  While other rewards cards, including some other cash back cards can offer you a higher rate, it will usually come at the cost of increased hassle. This may include higher percentages only if you make purchases in specific categories, or through featured categories that rotate every 3 months. If you want just one card to depend on, go with Capital One's offering.

Highlights

  • Rewards Rate: 1.5% Cash Back on all spending
  • Signing Bonus: $100 bonus after you spend $500 in the first 3 months
  • No Annual Fee

Related Resources

Chase Sapphire Preferred: Best Airline Miles Rewards

The Chase Sapphire Preferred is best suited for cardholders that are willing to go the extra mile to get more out of their spending. If you're the type of person that enjoys figuring out how to get the most bang for your buck, the Sapphire Preferred is one of your best options. While the cards we've already mentioned will have better overall rate on general spending categories, the Chase Sapphire Preferred performs much better if you tie yourself to their Ultimate Rewards program. In doing so you can earn as much as 3.75% of your total spending in rewards. An additional benefit of the Sapphire Preferred over some of the generic travel cards is the ability to use Ultimate Rewards points as cash back at a penny a piece. Most generic rewards cards like those in the American Express or Citi ThankYou programs force you to take a significant discount when using points for cash back rewards.

Highlights

  • Rewards Rate: 1.25 - 3.75%+
  • Signing Bonus: 40,000 bonus points worth 400-500 dollars on travel or cash back
  • Double on travel and dining. Earn an additional point on travel when airfare or hotel arrangements are made through Chase Ultimate Rewards for a total of 3 points per dollar spent
  • Points can be transferred directly to a number of hotel and airline partners at a 1:1 ratio for use in their loyalty programs
  • Rewards are usable as cash back as well as statement credits

Barclaycard Arrival World MasterCard: Best No Fee Travel Rewards 

If you're looking for to choose among the best rewards credit cards for travel but don't want an annual fee, begin with the Barclaycard Arrival World MasterCard. It has nearly all the travel rewards benefits of its premium counterpart the Barclaycard Arrival Plus, but without the annual membership cost. With double miles on travel expenses and dining and the miles accrued still work 1 cent each, it still offers top tier results for travel expenses. Where it's a little weaker is in only providing 1 mile per dollar spent on all other expenses. So if you're looking for a hassle free travel miles card with no fee to concern yourself with, this card is our pick.

Highlights

  • Double rewards on travel expenses and dining
  • No Annual Fee
  • 25,000 mile signing bonus if you spend $1000 in the first 3 months

Which Credit Card Rewards Program Is Best?

Beyond simply looking at individual credit cards, we thought it would be worthwhile to take a look at the larger credit card rewards programs. While many credit card will offer rewards that based on that individual card, many cards by the larger issuers give you points or miles that are a part of a broader rewards program.

Such programs include American Express Membership Rewards, Chase Ultimate Rewards and Citi ThankYou Points among others. Each of these rewards programs encompass a suite of card offerings, with the points you earn accumulated into the programs account. If you have multiple cards earning these points, you can spend them in aggregate as well. This is noteworthy because cards within the same program can actually have different redemption options and rates. The premium fee-based cards will often allow you to use your awards at a better rate.

One example is the Chase Sapphire Preferred, which shares the Ultimate Rewards program with the Chase Sapphire and Chase Freedom. Preferred card holders receive a 20% discount when redeeming their points for hotels or airlines through Ultimate Rewards receive a a perk not not offered on the standard Sapphire and Freedom.  As a result it may make sense for someone to hold two different cards in the same program, especially if they have two different earnings structures.

For many consumers, the premium cards in these awards programs may be initially out of reach because of spending or your credit. Even if you start with one of the cheaper or no-fee cards in these programs, your accumulated rewards may become more valuable later once you're approved for the higher tier cards. It is with this in mind that we take a look at the major awards programs to see how they fare. We also look at some interesting card combinations that may make sense 

American Express Membership Rewards

Credit cards that offer points in the Membership Rewards (MR) program include the company's suite of personal charge cards: The Green card, Premier Rewards Gold, Gold Card and Platinum Card. It also includes the recent credit card offerings the Amex EveryDay and Amex EveryDay Preferred.

The shining feature of the Membership Rewards program is the expansive list of airline and hotel partners where your rewards can be transferred to. Among the three programs the Amex program has the most partners from which to choose from. For a list of partners see our in-depth break down of the MR program. Another competitive option for the points is using them to book flights through Membership Rewards portal which will yield you 1 cent per point, our suggested minimum for redeeming most rewards. The one knock on Amex's program is that in nearly all other redemption scenarios, the value of American Express points drops quite significantly. Used for statement credits, cash back or nearly any other form of shopping will cost you a 20-30% haircut on the value of your awards.

In American Express's program, there were no differences between the cards when it came to how the points could be redeemed. The cards themselves are mostly differentiated based upon how points are earned and the ancillary benefits/features that come with each card. 

Chase Ultimate Rewards

The Ultimate Rewards (UR) program, includes the aforementioned personal cards: the Chase Sapphire, Chase Sapphire Preferred and Chase Freedom as well as the suite of Ink Business Cards. Unlike the American Express program, Ultimate Rewards makes redemption options one of the clear benefits for it's more expensive premium cards the Preferred, Ink Bold and Ink Plus. 

Consumers in possession of one of these three cards receive 20% off airfare, hotels, car rentals and cruises when redeeming points through Ultimate Rewards and can transfer the points to partner travel loyalty programs. Overall the selection of travel partners in the Chase program is slightly more narrow than you will find with American Express. See here for a list of partners.

Where the UR program is superior is the value in making travel arrangements through Ultimate Rewards. There just isn't much of a price difference based on where you book your travel arrangement these days, so receiving a 20% haircut on your awards means that the points are significantly more valuable overall. 

The best feature of UR however is actually the minimum value that your points are worth. With Chase Ultimate Rewards, the lowest you can expect your points to be worth is 1 cent each when used for cash back. Since receiving cash for your points is the most flexible option for any credit card rewards you know you'll never have to redeem them for anything worse.

How To Find The Best Rewards Credit Card

If you want to look at more options than the ones we've listed, here are some considerations we think you should make in your quest to find the best rewards card. Use this guide as a framework for evaluating any credit card offers you come across to help you compare how each card might fit into your personal spending decisions.

Your Personal Habits Matter

Consumers shopping for a rewards credit card often just want a single answer to "What is the best rewards card?" Unfortunately the answer is "It depends." Which rewards card will be the best for you will depend entirely on your personal spending, travel and credit habits. Before researching cards take a moment to consider your personal preferences, it will go a long way in helping you find the best rewards card.

Do You Keep A Balance On Your Credit Card?

In exchange for giving you bonuses and rewards, rewards credit cards will generally have a significantly higher interest rate. If you're unable to pay off the entirety of your monthly charges, you'll easily pay more in additional interest than you could earn from rewards. Rewards card are only a good option for consumers that keep very low to no credit card debt on a monthly basis. If you are having difficulty zeroing out your balance, consider a low interest credit card first. You're much better off reducing your interest payments than trying to get a percentage point or two in rewards.

Be Honest To Yourself About How You Use Rewards

Cards that give you a large amount of rewards are great, if you use them. Americans rack up millions of dollars of frequent flyer miles, hotel loyalty points and credit card rewards that are never used. For those consumers these rewards might as well be worth 0. Take inventory of how much you travel or how much you spend in different categories since it will make a large impact in what rewards can make sense.

You might also consider whether you're the type to save up towards one big redemption or want to be able to benefit from rewards as frequently as possible. Many loyalty program affiliated cards can require you to rack up thousands in points and miles before you can actually use them. Lastly, think about how much do you value flexibility. Aggressive consumers can get a much better dollar value out of their rewards, but it will usually limit their choices for rewards redemption. 

How Much Are You Going To Spend On A New Card?

Cards with the highest rewards rates often come with an annual fee. With many no-fee rewards credit card options available, the decision to pay an annual fee will depend on the amount you will spend on the card. As a rule of thumb, you should plan to spend at least $1,000 a month for a fee-based rewards card to be viable. 

What To Look For In A Rewards Card

In examining the different rewards credit cards we looked at different factors that come into play when choosing the best. Understanding all these different aspects can help you figure out just how good a card really is.

Take A Look At How The Rewards Work

While most cards use the same set of terms (points, miles, cash back), the ways these rewards work will vary tremendously. Look to see if rewards can be applied as statement credits, cash back or solely through an award redemption. Statement credits and cash back are our favorite options when available. Some cards allow you to transfer your rewards to other loyalty programs giving you another way to use what you've earned.

Rewards Rate

If your rewards card is going to be your primary card then the rewards rate for general spending is very important. For everyday spending you can expect to earn  to 2.5% of what you spend as rewards. The more flexible the type of reward you get from the card, the lower the rewards rate you can expect. Travel rewards cards will generally have among the highest rewards rates.

Signing Bonuses Matter 

The promotions offered to new card holders are a major portion of the value you can get from a new rewards card. Earning these bonuses will require you to either make a purchase on the card or spend a certain amount within a set time limit. With the value of signing bonuses ranging from $50 - $500 making sure you can fulfill the qualifications can change the value of a card tremendously. Be sure to make sure you are eligible. You may not qualify for the signing bonus if you already have a similar credit card with the same issuer. 

Compare The Best Rewards Credit Cards

If you'd like to see how the credit cards we've discussed perform for you, use our embedded tool to see what you can earn from rewards. By changing your spending patterns you can see how each card performs for you.

Rewards
Graph by Card:
Rewards
The total value of the card at the end of the period by card. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
Rewards Rate
The dollar value of rewards as a percentage of total spending by card.
APR
The minimum APR for each card.
Annual Fee
The annual fee for each card.
Bonus Value
The dollar value of signing and continuing bonuses by card.
Graph by Month:
Rewards
The dollar value of each card by month. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
Rewards Rate
The value of each card as a percentage of total spending by month. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
Based on a cardholder that spends $1000 a month over 2 years.
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
VentureOne Rewards Credit Card
Annual Fee $0
Purchase APR 11.99, 16.9 or 19.9% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates

Earning Rewards

  • 1.25 miles for every $1 spent

Promotions

  • Receive 20,000 miles once you spend $2,000 within the first 3 months
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NET REWARDS GRAPH CARD
$59 Annual Fee
1.5% Rewards Rate
Bonus
Venture Rewards Credit Card
Annual Fee $59
Purchase APR 13.99, 16.9 or 20.9% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates

Earning Rewards

  • 2 miles for every $1 spent

Promotions

  • Receive 40,000 miles once you spend $3,000 within the first 3 months
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NET REWARDS GRAPH CARD
$450 Annual Fee
1.5% Rewards Rate
Bonus
Delta Reserve Credit Card
Annual Fee $450
Purchase APR 15.24, 17.24 or 19.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Delta Sky Club Access for you and two companions with complimentary Wi-Fi and snacks
  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations

Earning Rewards

  • 2 miles for every $1 spent on Delta flight and vacation purchases
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 10,000 Medallion Qualification Miles and 10,000 bonus miles after the first purchase
  • After $30,000 in eligible purchases, you can earn 15,000 bonus miles and 15,000 MQMs each calendar year
  • After $60,000 in eligible purchases, you can earn an extra bonus of 15,000 bonus miles and 15,000 MQMs each calendar year
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NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
Gold Delta SkyMiles Credit Card
Annual Fee $95
Purchase APR 15.24, 17.24 or 19.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Check your first bag for free and save up to $50 on a round-trip Delta flight
  • Priority boarding on Delta flights
  • Discounted Admission to Delta Sky Clubs for you and two companions
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 miles for every $1 spent on Delta flight and vacation purchases
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 30,000 bonuses miles after you make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new card within your first 3 months.
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NET REWARDS GRAPH CARD
$150 Annual Fee
1.5% Rewards Rate
Bonus
Platinum Delta SkyMiles Credit Card
Annual Fee $150
Purchase APR 15.24, 17.24 or 19.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Discounted admission to Delta Sky Clubs for you and two companions
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 miles for every $1 spent on Delta flight and vacation purchases
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 5,000 MQMs and 35,000 Bonus Miles after spending $1,000 in the first 3 months
The Starwood Preferred Guest® Credit Card from American Express

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem Starpoints for free nights at over 1,100 hotels in nearly 100 countries
  • Transfer Starpoints to nearly 30 airline frequent flyer programs and 350 airlines, with SPG Flights mostly on a one-to-one basis. You can receive a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 Starpoints for every $1 spent at participating Starwood properties
  • 1 Starpoint for every $1 spent otherwise

Promotions

  • Earn up to 15,000 Bonus Starpoints if you spend $5,000 in the first 6 months
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NET REWARDS GRAPH CARD
$40 Annual Fee
1.5% Rewards Rate
Bonus
JetBlue Card
Annual Fee $40
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Get 50% off inflight purchases
  • Get a $50 credit each year you purchase a Getaways vacation package
  • No blackout dates on JetBlue
  • Redeem JetBlue TrueBlue points towards award travel starting at 5,000
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 TrueBlue points for every $1 spent on JetBlue flights and Getaways vacation packages on jetblue.com
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 20,000 TrueBlue points after you spend $1,000 in the first 3 months
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Hilton HHonors Credit Card
Annual Fee $0
Purchase APR 15.24, 17.24 or 19.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem Hilton HHonors points towards free hotel nights without blackout days
  • Complimentary Silver status with credit card
  • Account upgraded to HHonors Gold status after spending more than $20,000 on the Card during the year (benefits: 25% bonus on HHonors Base Points, room upgrades when available, and free high-speed Internet and health club access)
  • +500 HHonors Bonus Points when booking Hilton hotel reservations online with HH credit card
  • 10% discount and +500 HHonors points when booking private car and driver at EmpireCLS Worldwide with this card
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 7 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations
  • 3 HHonors Bonus Points for every $1 spent otherwise

Promotions

  • Earn 40,000 Hilton HHonors after spending $750 in the first 3 months
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NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
Hilton HHonors Surpass® Credit Card
Annual Fee $75
Purchase APR 15.24, 17.24 or 19.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem Hilton HHonors points towards free hotel nights without blackout days
  • Complimentary Gold status with credit card
  • Upgrade to Diamond status after spending more than $40,000 on the card in the year
  • Airport lounge access with Priority Pass at $27 per person
  • +500 HHonors Bonus Points when booking Hilton hotel reservations online with HH credit card
  • 10% discount and +500 HHonors points when booking private car and driver at EmpireCLS Worldwide with this card
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 12 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 6 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations

Promotions

  • Earn 60,000 Hilton HHonors after spending $3,000 in the first 3 months
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
American Express® Blue Sky
Annual Fee $0
Purchase APR 17.24, 20.24 or 22.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Points can be redeemed in the form of statement credit, gift cards, merchandise and used toward travel: flights, hotel stays, car rentals, cruises, and for any travel package
  • Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 1 point for every $1 spent

Promotions

  • Earn 7,500 bonus points after you spend $1,000 in the first 3 months
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
BankAmericard® Travel Rewards
Annual Fee $0
Purchase APR 14.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Annual 10% customer points bonus on your total purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned

Earning Rewards

  • 3 points for every $1 spent on air travel up to $6,000
  • 1.5 points for every $1 spent otherwise

Promotions

  • Earn 10,000 bonus points if you spend $500 in the first 90 days
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Priceline Rewards™ Visa Card
Annual Fee $0
Purchase APR 14.99 or 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
  • Reward redemptions begin at $25

Earning Rewards

  • 5 points for every $1 spent on priceline.com purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 5,000 points after spending $1,000 in the first 90 days
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NET REWARDS GRAPH CARD
$79 Annual Fee
1.5% Rewards Rate
Bonus
Premier Miles & More® World Mastercard®
Annual Fee $79
Purchase APR 15.99 or 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
  • Complimentary Companion ticket after first purchase, then every year after
  • $79 Annual Fee waived for Senator and HON Circle Members
  • No foreign transaction fee

Earning Rewards

  • 2 miles for every $1 spent on Miles and More integrated airlines
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 20,000 award miles with first purchase or balance transfer
  • Annual Companion Ticket after first purchase
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening
Apply Now
NET REWARDS GRAPH CARD
$89 Annual Fee
1.5% Rewards Rate
Bonus
The US Airways Premier World MasterCard®
Annual Fee $89
Purchase APR 15.99, 19.99 or 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Annual companion certificate good for up to 2 companions tickets at $99 each
  • First class check in and Zone 2 boarding
  • One complimentary US Airways Club day pass each year
  • Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Redeem Dividend miles for flights, seat upgrades, magazines, newspapers, and charitable donations

Earning Rewards

  • 2 miles for every $1 spent on US Airways
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 40,000 points when you make your first purchase
  • Annual companion ticket good for up to 2 companion tickets at $99 each
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
The Choice Privileges® Visa® Card
Annual Fee $0
Purchase APR 15.24 or 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

Earning Rewards

  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise

Promotions

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
Apply Now
NET REWARDS GRAPH CARD
$69 Annual Fee
1.5% Rewards Rate
Bonus
The Wyndham Rewards® Visa Signature® Card
Annual Fee $69
Purchase APR 15.24 - 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Earning Rewards

  • 5 points for every $1 spent on participating hotels
  • 2 points for every $1 spent otherwise

Promotions

  • Earn 30,000 bonus points with first purchase
  • Earn 5,500 Bonus Points on your account anniversary every year
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
The Travelocity® Rewards American Express® Card
Annual Fee $0
Purchase APR 14.99, 21.99 or 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Points can be redeemed for statement credits towards Travelocity purchases for Flights, Hotels, and Vacation Packages
  • No blackout dates or restrictions
  • 5,000 points = $50 statement credit, 10,000 points = $100 statement credit, 20,000 = $400 statement credit

Earning Rewards

  • 3 points for every $1 spent on Travelocity purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 5,000 points after your first purchase
  • Earn an additional 5,000 points after your spend $1,000 in the first 90 days of opening your account
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Carnival World™ MasterCard®
Annual Fee $0
Purchase APR 13.99, 16.99 - 20.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

Earning Rewards

  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise

Promotions

  • Earn 5,000 Bonus FunPoints® when you use your card for the first time
  • Earn 5,000 Bonus FunPoints® when you transfer a balance of $5,000 or more within the first 30 days of account opening
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Best Western Rewards® MasterCard®
Annual Fee $0
Purchase APR 13.99 - 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
  • Additional upgrade to Diamond Elite Status after spending more than $10,000 in new transactions each year on the Best Western credit card

Earning Rewards

  • 15 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 16,000 bonus points after your first purchase
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Holland American Line Rewards Visa Card
Annual Fee $0
Purchase APR 13.99, 16.99 or 20.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem rewards towards discounted, reduced, and free cruise redemptions
  • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

Earning Rewards

  • 2 points for every $1 spent on all Holland American purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 5,000 points upon first purchase
Apply Now
NET REWARDS GRAPH CARD
$59 Annual Fee
1.5% Rewards Rate
Bonus
Miles & More® World MasterCard®
Annual Fee $59
Purchase APR 15.99 or 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners

Earning Rewards

  • 1 mile for every $1 spent

Promotions

  • Earn up to 15,000 award miles with first purchase
  • Earn up to 10,000 award miles with a balance transfer within 30 days of account opening
  • Annual Economy Class Companion Ticket
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
RCI® Elite Rewards® MasterCard®
Annual Fee $0
Purchase APR 13.99 or 24.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

Earning Rewards

  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn up to 2,500 bonus rewards after your first purchase
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Princess Cruises Rewards Visa Card
Annual Fee $0
Purchase APR 13.99, 16.99 or 20.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem rewards towards discounted, reduced, and even free cruise redemptions
  • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

Earning Rewards

  • 2 points for every $1 spent on Princess Cruises purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 5,000 Bonus Princess Points after your make your first purchase
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Barclaycard Arrival™ World MasterCard®
Annual Fee $0
Purchase APR 14.99 or 18.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Complimentary TripIt Pro subscription ($49 value)
  • Reimbursement for expenses if your baggage is delayed or lost
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage

Earning Rewards

  • 2 miles for every $1 spent on travel and dining
  • 1 mile for every $1 spent otherwise

Promotions

  • 20,000 bonus miles when you spend $1,000 in the first 90 days
Apply Now
NET REWARDS GRAPH CARD
$89 Annual Fee
1.5% Rewards Rate
Bonus
Barclaycard Arrival Plus™ World Elite MasterCard®

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Complimentary TripIt Pro subscription ($49 value)
  • Reimbursement for expenses if your baggage is delayed or lost
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
  • No blackout dates

Earning Rewards

  • 2 miles for every $1 spent

Promotions

  • 40,000 bonus miles when you spend $3,000 in the first 90 days
Apply Now
NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
Chase Sapphire Preferred® Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No blackout dates or restrictions
  • 20% off travel redeemed via Chase's Ultimate Rewards website
  • 1:1 point transfer to participating frequent travel programs at full value

Earning Rewards

  • 2 points for every $1 spent on restaurants, travel and transportation
  • 3 points for every $1 spent on airfare or hotel accomodations booked through Chase Ultimate Rewards
  • 1 point for every $1 spent otherwise

Promotions

  • 40,000 bonus points after spending $3,000 in the first three months
  • 5,000 bonus points after adding the first authorized user and make a purchase in the first 3 months from account opening
  • 7% Annual Points Dividend on all new and redeemed points
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Chase Sapphire® Credit Card
Annual Fee $0
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Points never expire, and there are no limits on how many points you can earn
  • No caps, expiration dates, or blackout dates
  • 24/7 direct access to customer service
  • No Annual Fee

Earning Rewards

  • 2 points for every $1 spent on restaurants
  • 2 points for every $1 spent on airfare or hotel accomodations booked through Chase Ultimate Rewards
  • 1 point for every $1 spent otherwise

Promotions

  • 10,000 bonus points after spending $500 in the first three months
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
Apply Now
NET REWARDS GRAPH CARD
$395 Annual Fee
1.5% Rewards Rate
Bonus
United MileagePlus® Club Card
Annual Fee $395
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • United Club membership
  • First and second bags are checkable for free
  • No foreign transaction fee
  • Miles don't expire

Earning Rewards

  • 2 points for every $1 spent on United Airlines tickets
  • 1.5 points for every $1 spent otherwise

Promotions

  • Receive a $100 statement credit after your first purchase
  • United Club membership
  • 1st and 2nd checked bags are free
  • Priority check-in, screening, and boarding
  • No foreign transaction fees
Apply Now
NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
United MIleagePlus® Explorer Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • First checked bag free
  • Priority boarding
  • Two United Club Passes per year
  • No foreign transaction fee

Earning Rewards

  • 2 points for every $1 spent on United Airlines tickets
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 30,000 Bonus Miles after your spend $1,000 in the first 3 months
  • Earn 5,000 bonus miles when you add an authorized user to your account and make a purchase with your Card during the first 3 months
  • Earn 10,000 bonus miles every calendar year you spend at least $25,000 on your Card
Apply Now
NET REWARDS GRAPH CARD
$45 Annual Fee
1.5% Rewards Rate
Bonus
Marriott Rewards® Credit Card
Annual Fee $45
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • One free Elite Night for every $3,000 spent on Marriott card
  • Unlimited points accumulation
  • Several types of purchase and travel protection features

Earning Rewards

  • 3 points for every $1 spent at Marriott locations
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 30,000 bonus points after you spend $1,000 in your first 3 months
  • 2 free nights (at category 1 - 4 hotels)
  • Earn 10 Nights Credit toward your next Elite membership level every year after account anniversary
  • 1 free Elite Night for every $3,000 spent on Marriott card
Apply Now
NET REWARDS GRAPH CARD
$85 Annual Fee
1.5% Rewards Rate
Bonus
Marriott Rewards® Premier Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Earn 1 Elite Night Credit for every $3,000 spent
  • No foreign transaction fees
  • Card has global acceptance with Chip and Signature Technology

Earning Rewards

  • 5 points for every $1 spent at Marriott locations
  • 2 points for every $1 spent on airline tickets purchased directly with an airline
  • 2 points for every $1 spent at car rental agencies
  • 2 points for every $1 spent at restaurants
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 50,000 bonus points after your spend $1,000 in your first 3 months
  • 1 free night stay at a category 1-4 hotel after account approval
  • Earn 15 nights credit toward Elite status every year upon account anniversary
  • 1 free night stay every year at Category 1-5 hotel after account anniversary
  • 1 Elite Night Credit for every $3,000 spent
Apply Now
NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
British Airways Visa Signature® Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Each year you make $30,000 in purchases on your British Airways Visa SIgnature card you earn a Travel Together Ticket good for two years
  • No foreign transaction fees
  • Card has global acceptance with Chip and Signature Technology

Earning Rewards

  • 2.5 points for every $1 spent on British Airways purchases
  • 1.25 points for every $1 spent otherwise

Promotions

  • Earn 50,000 Bonus Avios after you make $2,000 in purchases in the first 3 months
  • Every calendar year you make $30,000 in purchases on your British Airways Visa Card, you'll earn a Travel Ticket good for two years
Apply Now
NET REWARDS GRAPH CARD
$99 Annual Fee
1.5% Rewards Rate
Bonus
Southwest Airlines® Rapid Rewards® Premier Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward seats
  • Points don't expire
  • No blackout dates
  • No Foreign Transaction fees

Earning Rewards

  • 2 points for every $1 spent on Southwest Airlines and AirTran purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account
  • Earn 6,000 bonus points after your Cardmember Anniversary
Apply Now
NET REWARDS GRAPH CARD
$69 Annual Fee
1.5% Rewards Rate
Bonus
Southwest Airlines® Rapid Rewards® Plus Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward Seats
  • No blackout dates on flights or expiration of points accumulated

Earning Rewards

  • 2 points for every $1 spent on Southwest Airlines and AirTran purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account
  • Earn 3,000 bonus points after your Cardmember Anniversary
Apply Now
NET REWARDS GRAPH CARD
$49 Annual Fee
1.5% Rewards Rate
Bonus
IHG Rewards Club Select Visa Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Free night rewarded at each renewal anniversary date
  • No foreign transaction fees
  • You qualify for IHG Rewards Club Platinum Elite status

Earning Rewards

  • 5 points for every $1 spent on IHG hotel purchases
  • 2 points for every $1 spent at gas stations, grocery stores, and restaurants
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 60,000 Bonus Points after you spend $1,000 in the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
Hyatt Credit Card
Annual Fee $75
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No foreign transaction fees
  • One free night every year on your cardmember anniversary. Receive 2 stay credit and 5 night credits toward DIamond status upon spending $20,000 in each calendar year
  • Receive an additional 3 stay credits and 5 night credits toward Diamond status upon spending $40,000 in each calendar year

Earning Rewards

  • 3 points for every $1 spent on Hyatt purchases
  • 2 points for every $1 spent at restaurants and airline tickets purchased directly from the airline and at car rental agencies
  • 1 point for every $1 spent otherwise

Promotions

  • Earn 2 free nights after spending $1,000 within the first 3 months
  • Earn 1 Free night at any Category 1-4 property on your cardmember anniversary
Apply Now
NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
Fairmont Visa Signature® Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year

Earning Rewards

  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise

Promotions

  • Enjoy 2 complimentary nights after you spend $1,000 within the first 3 months of account opening
  • Earn 1 complimentary night stay each anniversary year when you make $12,000 in purchases that year
Apply Now
NET REWARDS GRAPH CARD
$395 Annual Fee
1.5% Rewards Rate
Bonus
Ritz-Carlton Rewards Credit Card
Annual Fee $395
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $200 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year

Earning Rewards

  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise

Promotions

  • Earn 70,000 rewards points after you spend $2,000 in the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$49 Annual Fee
1.5% Rewards Rate
Bonus
Disney Premier Visa® Credit Card
Annual Fee $49
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World

Earning Rewards

  • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
  • 1% in Disney Dream Dollars® for every $1 spent otherwise

Promotions

  • Earn $100 Disney gift card after spending $500 in the first three months
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Disney Rewards Visa® Credit Card
Annual Fee $0
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations

Earning Rewards

  • 1% in Disney Dream Reward Dollars® for every $1 spent

Promotions

  • Earn $50 Disney gift card after first purchase
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Citi® Hilton HHonors™ Visa Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Earning Rewards

  • 6 HHonors Bonus Points for every $1 spent with a participating hotel or result
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise

Promotions

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
Apply Now
NET REWARDS GRAPH CARD
$95 Annual Fee
1.5% Rewards Rate
Bonus
Citi® Hilton HHonors™ Reserve Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap

Earning Rewards

  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise

Promotions

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • Earn an anniversary bonus of one weekend night after spending more than $10,000 each year
Citi® Platinum Select® / AAdvantage® World MasterCard®
Annual Fee $95
Purchase APR 13.99, 17.99 or 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Earning Rewards

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases the first 3 months
  • Earn a $100 American Airlines Flight Discount each year of card membership in which you spend $30,000 or more in purchases
  • Earn 10% of redeemed miles back (up to 10,000 miles each year)
Apply Now
NET REWARDS GRAPH CARD
$450 Annual Fee
1.5% Rewards Rate
Bonus
Citi Executive / AAdvantage World Elite MasterCard

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap

Earning Rewards

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise

Promotions

  • Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$50 Annual Fee
1.5% Rewards Rate
Bonus
Citi Gold / AAdvantage World MasterCard
Annual Fee $50
Purchase APR 13.99, 17.99 or 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit

Earning Rewards

  • 1 AAdvantage mile for every $1 spent

Promotions

  • Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
US Bank Perks+ Visa Signature Card
Annual Fee $0
Purchase APR 11.99 - 23.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee

Earning Rewards

  • 1 point for each $1 spent everywhere

Promotions

  • Earn 10,000 Bonus Points when you spend $500 during the first 90 days
Apply Now
NET REWARDS GRAPH CARD
$49 Annual Fee
1.5% Rewards Rate
Bonus
US Bank FlexPerks Rewards Visa Card
Annual Fee $49
Purchase APR 13.99 - 23.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem merchandise, gift cards, statement credits, and more at 5,000 FlexPoints
  • Up to a $25 airline allowance with every award travel ticket good towards baggage fees, in-flight food, and more

Earning Rewards

  • 2 FlexPoint for every $1 spent on your highest spending category out of: airlines gas or groceries
  • 1 FlexPoint for every $1 spent on everything else
  • 3 FlexPoints for every $1 in charitable donations

Promotions

  • Earn 20,000 bonus FlexPoints if you spend $3,500 in the first 4 months
  • 3,500 FlexPoints each cardmember year you spend $24,000 in net purchases, which can be redeemed for your annual fee or towards other rewards
Apply Now
NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
Club Carlson Premier Rewards Visa Signature Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • When redeeming Gold Points for 2 or more consecutive Award Nights, the last night is free
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else

Promotions

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • Earn 40,000 renewal bonus points each year when you renew your card
Apply Now
NET REWARDS GRAPH CARD
$45 Annual Fee
1.5% Rewards Rate
Bonus
Avianca LifeMiles Visa Card
Annual Fee $45
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • 25% Excess Baggage Redemption Discount on Avianca flights
  • Redeem Avianca miles on flights and cabin upgrades
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 1 LifeMile for every $1 spent on everything

Promotions

  • Earn 15,000 bonues LifeMiles with your first card use
  • Earn 3,000 bonus miles with your annual credit card renewal
Apply Now
NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
Avianca LifeMiles Visa Signature Card
Annual Fee $75
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • 50% Excess Baggage Redemption Discount on Avianca flights
  • Redeem Avianca miles on flights and cabin upgrades
  • Access to Visa Signature concierge privileges for shopping, entertainment, travel, and sports
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 1 LifeMile for every net $1 you spend
  • 2x LifeMiles on Avianca ticket purchases

Promotions

  • Earn 20,000 bonus miles with your first card use
  • Earn 6,000 bonus miles with your annual credit card renewal
Apply Now
NET REWARDS GRAPH CARD
$45 Annual Fee
1.5% Rewards Rate
Bonus
LANPASS Visa Card
Annual Fee $45
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Receive a 10% discount on LAN purchase (up to $500) once per year
  • Redeem LANPASS miles or kilometers for flights on LAN or OneWorld partners
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 1 LANPASS mile for every $1 you spend

Promotions

  • Earn 15,000 Bonus Miles with your first card use
  • Earn 2,000 Bonus Miles upon your annual renewal
Apply Now
NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
LANPASS Visa Signature Card
Annual Fee $75
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Get 3 one-way upgrade coupons for free each year
  • 20% discount on their first LAN purchase (up to $1,000) each year
  • Receive flight mileage bonus of 25% on top of actual miles accrued on every LAN or Affiliate carriers' flight
  • Redeem LANPASS miles or kilometers for flights on LAN or OneWorld partners
  • Free Annual Account Summary
  • Access to Visa Signature concierge privileges for shopping, entertainment, travel, and sports
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • No Preset Spending Limit

Earning Rewards

  • 2 miles per $1 spent on LAN ticket purchases
  • 1 LANPASS mile for every $1 you spend

Promotions

  • Earn 20,000 Bonus Miles with your first card use
  • Earn 4,000 Bonus Miles upon your annual renewal
Apply Now
NET REWARDS GRAPH CARD
$45 Annual Fee
1.5% Rewards Rate
Bonus
AeroMexico Visa Card
Annual Fee $45
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • 10% discount on Aeromexico airfare purchases
  • Redeem miles (or Premier Kilometers) for award tickets, upgrades, and salon / SkyTeam VIP lounge access
  • Access to Visa Signature Concierge, premium offers, and special dining privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • 2 miles per $1 spent on Aeromexico airfare purchases

Promotions

  • 15,000 First Use Bonus Miles after first purchase or payment of annual fee
  • Complimentary Companion Ticket
  • 2,000 Annual Bonus Miles plus $99 Companion Ticket with credit card renewal
Apply Now
NET REWARDS GRAPH CARD
$80 Annual Fee
1.5% Rewards Rate
Bonus
AeroMexico Visa Signature Card
Annual Fee $80
Purchase APR 12.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • 15% discount on Aeromexico airfare purchases
  • Redeem miles (or Premier Kilometers) for award tickets, upgrades, and salon / SkyTeam VIP lounge access
  • Access to Visa Signature Concierge, premium offers, and special dining privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • 2 miles per $1 spent on Aeromexico airfare purchases

Promotions

  • 20,000 First Use Bonus Miles after first purchase or payment of annual fee
  • Complimentary Companion Ticket
  • 4,000 Annual Bonus Miles plus $99 Companion Ticket with credit card renewal
Apply Now
NET REWARDS GRAPH CARD
$50 Annual Fee
1.5% Rewards Rate
Bonus
Korean Air SKYPASS Visa Card
Annual Fee $50
Purchase APR 12.99 - 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
  • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
  • $250,000 in Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Free credit score reporting monthly

Earning Rewards

  • 1 mile for every $2 spent in purchases
  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners

Promotions

  • 5,000 SKYPASS Bonus Miles after first purchase
Apply Now
NET REWARDS GRAPH CARD
$50 Annual Fee
1.5% Rewards Rate
Bonus
Korean Air SKYPASS Visa Classic Card
Annual Fee $50
Purchase APR 12.99 - 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
  • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
  • Free monthly credit score reporting
  • EMV chip technology for added security abroad
  • Visa payWave technology for contactless purchases
  • $250,000 in Travel Accident Insurance
  • Auto Rental Collision Damage Waiver

Earning Rewards

  • 1 mile for every $1 spent in purchases
  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners

Promotions

  • 10,000 SKYPASS Bonus Miles after first purchase
  • 1,000 SKYPASS bonus miles upon renewal
Apply Now
NET REWARDS GRAPH CARD
$80 Annual Fee
1.5% Rewards Rate
Bonus
Korean Air SKYPASS Visa Signature Credit Card
Annual Fee $80
Purchase APR 12.99 - 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
  • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
  • No foreign transaction fee
  • Travel & Emergency Assistance Services
  • $1,000,000 in Travel Accident Insurance
  • EVM chip technology for added security abroad
  • Free monthly credit score reporting

Earning Rewards

  • 1 mile for every $1 spent in purchases
  • Double Miles on Korean Air ticket purchases

Promotions

  • 15,000 SKYPASS Bonus Miles after first purchase
  • 2,000 SKYPASS bonus miles upon renewal
Apply Now
NET REWARDS GRAPH CARD
$75 Annual Fee
1.5% Rewards Rate
Bonus
Blue Cash Preferred® Card from American Express

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Receive 100 Reward Dollars and a one-year membership to Amazon Prime ($179 value)
  • Roadside assistance
  • Car rental insurance
  • Global assist hotline
  • Travel insurance
  • Return protection
  • Purchase protection

Earning Rewards

  • 6% cash back at US supermarkets up to $6,000 per year in purchases
  • 3% cash back at US gas stations and department stores
  • 1% cash back on all other purchases
  • Cash back is received in the form of Reward Dollars that can be redeemd as a statement credit

Promotions

  • Earn 100 Reward Dollars redeemable for a $100 statement credit and 1 year of Amazon Prime after you spend $1,000 within the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Blue Cash Everyday® Card from American Express

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Receive 50 Reward Dollars and a one-year membership to Amazon Prime ($129 value)
  • Roadside assistance
  • Car rental insurance
  • Global assist hotline
  • Travel insurance
  • Return protection
  • Purchase protection

Earning Rewards

  • 3% cash back at US supermarkets up to $6,000 per year in purchases
  • 2% cash back at US gas stations and department stores
  • 1% cash back on all other purchases
  • Cash back is received in the form of Reward Dollars that can be redeemd as a statement credit

Promotions

  • Earn 50 Reward Dollars redeemable for a $100 statement credit and 1 year of Amazon Prime after you spend $1,000 within the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$175 Annual Fee
1.5% Rewards Rate
Bonus
American Express® Premier Rewards Gold Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Roadside assistance
  • Car rental insurance
  • Global assist hotline
  • Travel insurance
  • Return protection
  • Purchase protection

Earning Rewards

  • 3 points for every $1 spent on flights booked with airlines
  • 2 points for every $1 spent on gas stations
  • 2 points for every $1 spent at supermarkets
  • 1 point for every $1 spent on all other purchases
Apply Now
NET REWARDS GRAPH CARD
$450 Annual Fee
1.5% Rewards Rate
Bonus
Platinum Card® from American Express

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No foreign transaction fee
  • $200 annual airline fee credit that covers things like checked bags or in-flight snacks
  • Roadside assistance
  • Car rental insurance
  • Global assist hotline
  • Travel insurance
  • Return protection
  • Purchase protection

Earning Rewards

  • 1 point for every dollar you spent

Promotions

  • Get 25,000 membership rewards after you spend $2,000 within the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$125 Annual Fee
1.5% Rewards Rate
Bonus
American Express® Gold Card
Annual Fee $125
Purchase APR 0% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Membership Rewards program allows you to use points for rewards with 500+ brands
  • Baggage insurance
  • Roadside assistance
  • Car rental insurance
  • Global assist hotline
  • Travel insurance
  • Return protection
  • Purchase protection

Earning Rewards

  • 1 point for every dollar you spent
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Chase Freedom® Credit Card
Annual Fee $0
Purchase APR 13.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
  • Earn 1% cash back on all other purchases
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter

Earning Rewards

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
  • Earn 1% cash back on all other purchases

Promotions

  • Get $100 bonus after spending $500 in first three months
  • 10% bonus on new points earned in previous year with a concurrent Chase checking account
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Capital One Quicksilver Credit Card
Annual Fee $0
Purchase APR 12.99, 17.9 or 22.9% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Cash back doesn't expire
  • Redeem cash back you earn for any amount whenever you want
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance

Earning Rewards

  • Earn 1.5% cash back on all purchases
  • No limits to earnings, no minimums for redemption, and no intermittent sign-ups for rotating categories

Promotions

  • Get $100 bonus after spending $500 within the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$39 Annual Fee
1.5% Rewards Rate
Bonus
Capital One QuicksilverOne Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No limits to cash back earning ability
  • Cash back doesn't expire
  • Redeem cash back for any amount whenever you want
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance

Earning Rewards

  • Earn 1.5% cash back on all purchases
  • No limits to earnings, no minimums for redemption, and no intermittent sign-ups for rotating categories
  • Access to a higher credit line after making first 5 monthly payments on time
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Playstation Credit Card
Annual Fee $0
Purchase APR 13.9, 16.9 or 24.9% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • Earn 10 points for every $1 spent on PlayStation Network purchases
  • Earn 3 points for every $1 spent on all Sony and Playstation purchases at Sony stores and Sony.com
  • Earn 3points for every $1 spent at quick service restaurants, movie theatres, and on your mobile phone bill
  • Earn 1 point on all other purchases

Promotions

  • Earn 5,000 bonus points after your first purchase
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Capital One Journey Credit Card
Annual Fee $0
Purchase APR 19.89% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Earn unlimited cash back
  • Cash back doesn't expire
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance

Earning Rewards

  • Earn 1% cash back on all purchases
  • Earn an additional 25% bonus on the cash back you've earned every month you pay on time
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Citi® Dividends Platinum Select® Visa® Card
Annual Fee $0
Purchase APR 12.99, 17.99 or 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • 24/7 customer service
  • Additional cards are free
  • Accident Insurance
  • Car Rental Insurance
  • Purchase Protection up to $10,000
  • Chip technology makes global travel easier

Earning Rewards

  • Earn 5% cash back every quarter in certain categories (examples for Q1 include Macys, drug stores and fitness clubs)
  • Earn 1% cash back on all other purchases

Promotions

  • Earn $100 cash back after you spend $500 in purchases in your first 3 months
Apply Now
NET REWARDS GRAPH CARD
$125 Annual Fee
1.5% Rewards Rate
Bonus
ThankYou® Premier Credit Card
Annual Fee $125
Purchase APR 13.99, 17.99 or 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No foreign transaction fees
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance

Earning Rewards

  • Earn 3 ThankYou Points for every dollar spent on purchases at restaurants and select Entertainment merchants
  • Earn 2 ThankYou Points for every $1 spent on airfare and hotel
  • Earn 1 ThankYou Point for each dollar spent elsewhere

Promotions

  • Earn 20,000 bonus ThankYou points after you spend $2,000 in the first 3 months
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
ThankYou® Preferred Credit Card
Annual Fee $0
Purchase APR 12.99, 17.99 or 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Points don't expire
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance

Earning Rewards

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases

Promotions

  • Earn 20,000 bonus ThankYou points after you spend $1,500 in the first 3 months
Apply Now
NET REWARDS GRAPH CARD
$450 Annual Fee
1.5% Rewards Rate
Bonus
Citi Prestige® Card
Annual Fee $450
Purchase APR 15.24% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • No foreign transaction fee
  • Complimentary companion ticket
  • Complimentary 4th night at luxury hotels
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage

Earning Rewards

  • Earn 2 points for every $1 you spend on dining

Promotions

  • Earn 30,000 bonus ThankYou points after you spend $2000
  • At the end of each membership year earn an Anniversary bonus equal to a percentage of points earned during that membership year.
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Discover It Credit Card
Annual Fee $0
Purchase APR 10.99 - 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Free FICO Credit Score on your monthly statement

Earning Rewards

  • 5% cash back in categories that change throughout the year, up to the quarterly maximum
  • 1% cash back on all other purchases
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Discover It For Students
Annual Fee $0
Purchase APR 12.99 - 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Free FICO Credit Score on your monthly statement

Earning Rewards

  • 5% cash back in categories that change throughout the year, up to the quarterly maximum
  • 1% cash back on all other purchases
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Citi® Dividends Platinum Select® Visa® for College Students

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • Earn 5% cash back every quarter in certain categories (examples for Q1 include Macys, drug stores and fitness clubs)
  • Earn 1% cash back on all other purchases
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Citi® ThankYou® Preferred Credit Card for College Students

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases

Promotions

  • Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months
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NET REWARDS GRAPH CARD
$45 Annual Fee
1.5% Rewards Rate
Bonus
Wells Fargo Propel 365 American Express®
Annual Fee $45
Purchase APR 13.99 - 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • 3 points for every $1 spent at US Gas Stations
  • 2 points for every $1 spent at US Restaurants
  • 1 point per dollar on other purchases

Promotions

  • Earn 20,000 bonus points after you spend $3,000 in the first 3 months
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NET REWARDS GRAPH CARD
$175 Annual Fee
1.5% Rewards Rate
Bonus
Wells Fargo Propel World American Express®
Annual Fee $175
Purchase APR 13.99 - 21.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • 3 points for every $1 spent at Airliness
  • 2 points for every $1 spent at Hotels
  • 1 point per dollar on other purchases

Promotions

  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
The Wyndham Rewards® Visa Signature® Card
Annual Fee $0
Purchase APR 15.24 or 19.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Earning Rewards

  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else

Promotions

  • Earn 12,000 bonus points with first purchase
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Fidelity® Investment Rewards® American Express®

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • Earn 2 points for every $1 you spend
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NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Navy Federal nRewards Secured Credit Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • nRewards can be earned on any net purchases at the rate of 1 per dollar

Earning Rewards

  • Earn 1 nRewards point for each dollar you spend
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
State Department EMV Savings Secured Visa Platinum Card

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Card Features

  • Flexpoints can be earned on any net purchases at the rate of 1 per dollar

Earning Rewards

  • Earn 1 Flexpoint reward for each dollar you spend
Apply Now
NET REWARDS GRAPH CARD
$0 Annual Fee
1.5% Rewards Rate
Bonus
Citi Double Cash Card
Annual Fee $0
Purchase APR 12.99, 17.99 or 22.99% Variable

Estimated Rewards Through 24 Months

Rewards Dollars*
*Rewards and Dollar calculations are estimates provided by ValuePenguin only and not provided by any credit card issuer. They are for comparison purposes only, and will vary based upon your spending and redemption preferences.

Earning Rewards

  • 1% cash back on purchases and another 1% cash back when you pay for those purchases

 
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About Our Credit Card Research

The ValuePenguin team independently researches the features of each credit card we come across to provide unbiased analysis. Using the information we collect, we build a separate computer model for each card to determine how the card performs and how it compares to other options. We make each of our models available to you so you can see how the various cards work for your specific circumstances.

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