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The Best Rewards Credit Cards of 2015

We researched over 500 credit cards to 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 2015 as well as some tips and tools to help you compare all your rewards credit card options.

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
Rewards Rate
The value of each card as a percentage of total spending by month…
Monthly Spend: $1,000
Show Graph
Annual Fee
$0 introductory annual fee for the first year, then $95
Rewards Rate
4.55%
Bonus
$660
Rewards
$1,093
More Card Details Graph Card Read Review
Annual Fee $0 introductory annual fee for the first year, then $95
Purchase APR 15.24% - 19.24% variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 528
Bonuses
30,000 660
Less Annual Fees 95
Total 54,000 1,093

Card Details

  • Limited Time Offer: Earn 30,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95
  • Terms and limitations apply.
Hyatt Credit Card Image
Hyatt Credit Card
Annual Fee
$0 Intro Annual Fee for the first year then $75
Rewards Rate
3.52%
Bonus
$500
Rewards
$845
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $75
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 420
Bonuses
0 500
Less Annual Fees 75
Total 24,000 845

Card Details

  • 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
  • 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
Annual Fee
$0 Intro Annual Fee for the first year then $89
Rewards Rate
3.48%
Bonus
$420
Rewards
$835
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $89
Purchase APR 15.99% or 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 504
Bonuses
40,000 420
Less Annual Fees 89
Total 88,000 835

Card Details

  • 2 miles for every $1 spent
  • Reimbursement for expenses if your baggage is delayed or lost
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
  • No blackout dates
Annual Fee
$0 Intro Annual Fee for the first year then $95
Rewards Rate
3.46%
Bonus
$625
Rewards
$830
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $95
Purchase APR 13.99%, 17.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 300
Bonuses
50,000 625
Less Annual Fees 95
Total 74,000 830

Card Details

  • Earn 3 ThankYou Points for every dollar spent on travel purchases, including gas
  • Earn 2 ThankYou Points for every $1 spent dining out or on entertainment
  • Earn 1 ThankYou Point for each dollar spent elsewhere
  • 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
Annual Fee
$0 Intro Annual Fee for the first year then $59
Rewards Rate
3.42%
Bonus
$400
Rewards
$821
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $59
Purchase APR 13.99%, 16.9% or 20.9% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 480
Bonuses
40,000 400
Less Annual Fees 59
Total 88,000 821

Card Details

  • 2 miles for every $1 spent
  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates
Southwest Airlines Rapid Rewards® Plus Card Image
Southwest Airlines Rapid Rewards® Plus Card
Annual Fee
$69
Rewards Rate
3.11%
Bonus
$476
Rewards
$746
More Card Details Graph Card
Annual Fee $69
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Bonuses
25,000 425
3,000 51
Less Annual Fees 138
Total 52,000 746

Card Details

  • 2 points for every $1 spent on Southwest Airlines purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise
  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward Seats
  • No blackout dates on flights or expiration of points accumulated
Annual Fee
$99
Rewards Rate
3.07%
Bonus
$527
Rewards
$737
More Card Details Graph Card
Annual Fee $99
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Bonuses
25,000 425
6,000 102
Less Annual Fees 198
Total 55,000 737

Card Details

  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases
Marriott Rewards® Credit Card Image
Marriott Rewards® Credit Card
Annual Fee
$0 Intro Annual Fee for the first year then $45
Rewards Rate
3.03%
Bonus
$580
Rewards
$727
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $45
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 192
Bonuses
0 340
30,000 240
Less Annual Fees 45
Total 54,000 727

Card Details

  • 3 points for every $1 spent at Marriott locations
  • 1 point for every $1 spent otherwise
  • One free Elite Night for every $3,000 spent on Marriott card
  • Unlimited points accumulation
  • Several types of purchase and travel protection features
Annual Fee
$0 Introductory annual fee, then $85
Rewards Rate
2.95%
Bonus
$600
Rewards
$707
More Card Details Graph Card
Annual Fee $0 Introductory annual fee, then $85
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 192
Bonuses
50,000 400
200
Less Annual Fees 85
Total 74,000 707

Card Details

  • Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • $0 Introductory annual fee, then $85
Annual Fee
$0 Intro Annual Fee The First Year, Then $95
Rewards Rate
2.94%
Bonus
$500
Rewards
$705
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee The First Year, Then $95
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 30,000 300
Bonuses
50,000 500
Less Annual Fees 95
Total 80,000 705

Card Details

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
Annual Fee
$0 Intro Annual Fee for the first year then $49
Rewards Rate
2.91%
Bonus
$340
Rewards
$699
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $49
Purchase APR 13.99% - 23.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Bonuses
20,000 340
Less Annual Fees 49
Total 44,000 699

Card Details

  • 2X FlexPoints at restaurants and on fast food
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Up to 1 FlexPoint for every $1 spent in other Net Purchases
  • Triple FlexPoints on qualifying charitable donations
  • Redeem FlexPoints on airline tickets, statement credits, gift cards and more
  • No foreign transaction fee
  • EVM chip technology for added security abroad
Annual Fee
$0 Intro Annual Fee for the first year then $49
Rewards Rate
2.91%
Bonus
$340
Rewards
$699
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $49
Purchase APR 13.99% - 23.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Bonuses
20,000 340
Less Annual Fees 49
Total 44,000 699

Card Details

  • Earn 1 FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn 2 FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • 3 FlexPoints per $1 on qualifying charitable donations
  • Redeem FlexPoints on airline tickets, statement credits, gift cards and more
  • No foreign transaction fee
  • EVM chip technology for added security abroad
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval
Annual Fee
$95
Rewards Rate
2.79%
Bonus
$500
Rewards
$670
More Card Details Graph Card Read Review
Annual Fee $95
Purchase APR 15.24%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 72,000 360
Bonuses
0 500
Less Annual Fees 190
Total 72,000 670

Card Details

  • 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
  • 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
Annual Fee
$0 Intro Annual Fee for the first year then $95
Rewards Rate
2.75%
Bonus
$432
Rewards
$661
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $95
Purchase APR 13.99%, 17.99% or 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 324
Bonuses
30,000 405
1,000 14
1,000 14
Less Annual Fees 95
Total 56,000 661

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases
Annual Fee
$95
Rewards Rate
2.72%
Bonus
$650
Rewards
$652
More Card Details Graph Card Read Review
Annual Fee $95
Purchase APR 14.99%, 16.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 192
Bonuses
0 650
Less Annual Fees 190
Total 24,000 652

Card Details

  • 3x ThankYou points on purchases made online at retail and travel websites
  • 3x ThankYou Points on products and services purchases directly from AT&T
  • 1x ThankYou Point per $1 on all other purchases
Fairmont Visa Signature® Credit Card Image
Fairmont Visa Signature® Credit Card
Annual Fee
$0 Intro Annual Fee for the first year then $95
Rewards Rate
2.69%
Bonus
$500
Rewards
$645
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $95
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
0 500
Less Annual Fees 95
Total 24,000 645

Card Details

  • 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
  • $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
Annual Fee
$75
Rewards Rate
2.54%
Bonus
$314.5
Rewards
$609
More Card Details Graph Card Read Review
Annual Fee $75
Purchase APR 13.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 120,000 444
Bonuses
50,000 185
35,000 130
Less Annual Fees 150
Total 205,000 609

Card Details

  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • 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
  • Subject to credit approval
Annual Fee
$0 intro annual fee for the first year, then $95
Rewards Rate
2.51%
Bonus
$410
Rewards
$603
More Card Details Graph Card Read Review
Annual Fee $0 intro annual fee for the first year, then $95
Purchase APR 15.24% - 19.24% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 288
Bonuses
0 50
30,000 360
Less Annual Fees 95
Total 54,000 603

Card Details

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.
Annual Fee
$0 Intro Annual Fee for the first year then $75
Rewards Rate
2.44%
Bonus
$300
Rewards
$585
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $75
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 360
Bonuses
20,000 300
Less Annual Fees 75
Total 44,000 585

Card Details

  • 2 miles per $1 spent on LAN ticket purchases
  • 1 LANPASS mile for every $1 you spend
  • 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
Annual Fee
$50
Rewards Rate
2.34%
Bonus
$337.5
Rewards
$562
More Card Details Graph Card Read Review
Annual Fee $50
Purchase APR 13.99%, 17.99% or 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 324
Bonuses
25,000 338
Less Annual Fees 100
Total 49,000 562

Card Details

  • 1 AAdvantage mile for every $1 spent
  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit
Annual Fee
No Annual Fee
Rewards Rate
2.33%
Bonus
$200
Rewards
$560
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 15.24%, 17.24% or 19.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 72,000 360
Bonuses
40,000 200
Total 112,000 560

Card Details

  • 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
  • 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
BankAmericard Travel Rewards® Credit Card Image
BankAmericard Travel Rewards® Credit Card
Annual Fee
$0
Rewards Rate
2.33%
Bonus
$200
Rewards
$560
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 14.99% - 22.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 36,000 360
Bonuses
20,000 200
Total 56,000 560

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
Annual Fee
$0 intro annual fee for the first year, then $95
Rewards Rate
2.30%
Bonus
$360
Rewards
$553
More Card Details Graph Card
Annual Fee $0 intro annual fee for the first year, then $95
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 288
Bonuses
30,000 360
Less Annual Fees 95
Total 54,000 553

Card Details

  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months
  • Check your first bag for free -- save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95
Annual Fee
$0 Intro Annual Fee for the first year then $45
Rewards Rate
2.25%
Bonus
$225
Rewards
$540
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $45
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 360
Bonuses
15,000 225
Less Annual Fees 45
Total 39,000 540

Card Details

  • 1 LANPASS mile for every $1 you spend
  • 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
Annual Fee
$75
Rewards Rate
2.13%
Bonus
$300
Rewards
$510
More Card Details Graph Card
Annual Fee $75
Purchase APR 15.24%, 17.24% or 19.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 72,000 360
Bonuses
60,000 300
Less Annual Fees 150
Total 132,000 510

Card Details

  • 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
  • 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
Annual Fee
No Annual Fee
Rewards Rate
2.08%
Bonus
$200
Rewards
$500
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 11.99% - 19.9% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 30,000 300
Bonuses
20,000 200
Total 50,000 500

Card Details

  • 1.25 miles for every $1 spent
  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates
Annual Fee
No Annual Fee
Rewards Rate
2.00%
Bonus
$0
Rewards
$480
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 12.99%, 17.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 480 480
Total 480 480

Card Details

  • 1% cash back on purchases and another 1% cash back when you pay for those purchases
Annual Fee
No Annual Fee
Rewards Rate
2.00%
Bonus
$0
Rewards
$480
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 13.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 480
Total 48,000 480

Card Details

  • Earn 2 points for every $1 you spend
Annual Fee
$0 Intro Annual Fee for the first year then $175
Rewards Rate
1.94%
Bonus
$400
Rewards
$465
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $175
Purchase APR 13.99% - 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
40,000 400
Less Annual Fees 175
Total 64,000 465

Card Details

  • 3 points for every $1 spent at Airliness
  • 2 points for every $1 spent at Hotels
  • 1 point per dollar on other purchases
Annual Fee
No Annual Fee
Rewards Rate
1.93%
Bonus
$210
Rewards
$462
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 14.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 252
Bonuses
20,000 210
Total 44,000 462

Card Details

  • 2 miles for every $1 spent on travel and dining
  • 1 mile for every $1 spent otherwise
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
Annual Fee
No Annual Fee
Rewards Rate
1.92%
Bonus
$100
Rewards
$460
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 12.99%, 17.9% or 22.9% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 360 360
Bonuses
0 100
Total 360 460

Card Details

  • Earn 1.5% cash back on all purchases
  • No limits to earnings, no minimums for redemption, and no intermittent sign-ups for rotating categories
  • 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
Annual Fee
$0 introductory annual fee the first year, then $49
Rewards Rate
1.90%
Bonus
$360
Rewards
$455
More Card Details Graph Card
Annual Fee $0 introductory annual fee the first year, then $49
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 144
Bonuses
60,000 360
Less Annual Fees 49
Total 84,000 455

Card Details

  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,900 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49
Annual Fee
$0 Intro Annual Fee for the first year then $40
Rewards Rate
1.85%
Bonus
$220
Rewards
$444
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $40
Purchase APR 15.24%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 264
Bonuses
20,000 220
Less Annual Fees 40
Total 44,000 444

Card Details

  • 2 TrueBlue points for every $1 spent on JetBlue flights and Getaways vacation packages on jetblue.com
  • 1 point for every $1 spent otherwise
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.83%
Bonus
$200
Rewards
$440
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 12.99%, 17.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
20,000 200
Total 44,000 440

Card Details

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.83%
Bonus
$200
Rewards
$440
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 14.24%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 240
Bonuses
40,000 200
Total 88,000 440

Card Details

  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.81%
Bonus
$61.92
Rewards
$433
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 15.24%, 19.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 372
Bonuses
8,000 62
Total 56,000 433

Card Details

  • 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
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.75%
Bonus
$99.75
Rewards
$419
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 17.24%, 20.24% or 22.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 319
Bonuses
7,500 100
Total 31,500 419

Card Details

  • 1 point for every $1 spent
  • 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
Annual Fee
$0 Intro Annual Fee for the first year then $45
Rewards Rate
1.65%
Bonus
$200
Rewards
$395
More Card Details Graph Card Read Review
Annual Fee $0 Intro Annual Fee for the first year then $45
Purchase APR 13.99% - 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
20,000 200
Less Annual Fees 45
Total 44,000 395

Card Details

  • 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
Ritz-Carlton Rewards Credit Card Image
Ritz-Carlton Rewards Credit Card
Annual Fee
$395
Rewards Rate
1.64%
Bonus
$930
Rewards
$394
More Card Details Graph Card
Annual Fee $395
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 254
Bonuses
0 930
Less Annual Fees 790
Total 24,000 394

Card Details

  • 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
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 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
Annual Fee
$0
Rewards Rate
1.54%
Bonus
$129
Rewards
$369
More Card Details Graph Card
Annual Fee $0
Purchase APR 12.99% - 21.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 129
Total 240 369

Card Details

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
Annual Fee
$0 Intro Annual Fee for the first year then $80
Rewards Rate
1.50%
Bonus
$200
Rewards
$360
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $80
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
20,000 200
Less Annual Fees 80
Total 44,000 360

Card Details

  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • 2 miles per $1 spent 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
Annual Fee
$0
Rewards Rate
1.50%
Bonus
$0
Rewards
$360
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 10.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 36,000 360
Total 36,000 360

Card Details

  • Exclusive Double Miles Offer: At the end of your first year--when other Miles cards charge an annual fee--Discover doubles all the Miles you've earned.*
  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR on purchases for 12 months--then a variable purchase APR applies, currently 10.99% - 22.99%.
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees--up to $30 a year--with an automatic statement credit.*
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Annual Fee
$0 Intro Annual Fee for the first year then $45
Rewards Rate
1.44%
Bonus
$150
Rewards
$345
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $45
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
15,000 150
Less Annual Fees 45
Total 39,000 345

Card Details

  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • 2 miles per $1 spent on Aeromexico airfare purchases
  • Redeem miles (or Premier Kilometers) for award tickets, upgrades, and salon / SkyTeam VIP lounge access
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
Annual Fee
$0
Rewards Rate
1.42%
Bonus
$100
Rewards
$340
More Card Details Graph Card
Annual Fee $0
Purchase APR 12.99% - 21.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
10,000 100
Total 34,000 340

Card Details

  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
BankAmericard Cash Rewards™ Credit Card Image
BankAmericard Cash Rewards™ Credit Card
Annual Fee
$0
Rewards Rate
1.42%
Bonus
$100
Rewards
$340
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 12.99% - 22.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 100
Total 240 340

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Annual Fee
$0
Rewards Rate
1.42%
Bonus
$100
Rewards
$340
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 13.99%-22.99% (Variable)

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 100
Total 240 340

Card Details

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • 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!
  • No annual fee and rewards never expire as long as your account is open
Annual Fee
$0 Intro Annual Fee for the first year then $75
Rewards Rate
1.37%
Bonus
$184
Rewards
$330
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $75
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 221
Bonuses
20,000 184
Less Annual Fees 75
Total 44,000 330

Card Details

  • 1 LifeMile for every net $1 you spend
  • 2x LifeMiles on Avianca ticket purchases
  • 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
  • No Preset Spending Limit
Annual Fee
Introductory annual fee of $0 for the first year, then $195
Rewards Rate
1.31%
Bonus
$250
Rewards
$315
More Card Details Graph Card
Annual Fee Introductory annual fee of $0 for the first year, then $195
Purchase APR N/A [You must pay your balance in full each month]

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
25,000 250
0 0
Less Annual Fees 175
Total 49,000 315

Card Details

  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.
Annual Fee
$0 Intro Annual Fee for the first year then $45
Rewards Rate
1.31%
Bonus
$138
Rewards
$314
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $45
Purchase APR 12.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 221
Bonuses
15,000 138
Less Annual Fees 45
Total 39,000 314

Card Details

  • 1 LifeMile for every $1 spent on everything
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.25%
Bonus
$60
Rewards
$300
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 15.24% or 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 240
Bonuses
12,000 60
Total 60,000 300

Card Details

  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
Disney Rewards Visa® Credit Card Image
Disney Rewards Visa® Credit Card
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 50
Total 240 290

Card Details

  • 1% in Disney Dream Reward Dollars® for every $1 spent
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 14.99%, 19.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 5 points for every $1 spent on priceline.com purchases
  • 1 point for every $1 spent otherwise
  • 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
  • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 16.99% or 20.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 2 points for every $1 spent on all Holland American purchases
  • 1 point for every $1 spent otherwise
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 15.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 16.99% or 20.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 2 points for every $1 spent on Princess Cruises purchases
  • 1 point for every $1 spent otherwise
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 13.9%, 16.9% or 24.9% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.21%
Bonus
$50
Rewards
$290
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 13.99%, 16.99% - 20.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Total 29,000 290

Card Details

  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise
  • 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
Annual Fee
$79
Rewards Rate
1.18%
Bonus
$200
Rewards
$282
More Card Details Graph Card Read Review
Annual Fee $79
Purchase APR 15.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
20,000 200
Less Annual Fees 158
Total 44,000 282

Card Details

  • 2 miles for every $1 spent on Miles and More integrated airlines
  • 1 mile for every $1 spent otherwise
  • 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
Annual Fee
$39
Rewards Rate
1.18%
Bonus
$0
Rewards
$282
More Card Details Graph Card
Annual Fee $39
Purchase APR 22.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 360 360
Less Annual Fees 78
Total 360 282

Card Details

  • 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
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.15%
Bonus
$106.5
Rewards
$277
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 14.99%, 16.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 170
Bonuses
15,000 107
Total 39,000 277

Card Details

  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ silver status
  • No annual Fee
  • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases
Annual Fee
No Annual Fee
Rewards Rate
1.13%
Bonus
$80
Rewards
$272
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 16.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 192
Bonuses
10,000 80
Total 34,000 272

Card Details

  • 2x ThankYou points on purchases made online at retail and travel websites
  • 2x ThankYou Points on products and services purchases directly from AT&T
  • 1x ThankYou Point per $1 on all other purchases
Annual Fee
$59
Rewards Rate
1.13%
Bonus
$150
Rewards
$272
More Card Details Graph Card
Annual Fee $59
Purchase APR 15.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
15,000 150
Less Annual Fees 118
Total 39,000 272

Card Details

  • 1 mile for every $1 spent
  • 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
Annual Fee
No Annual Fee
Rewards Rate
1.13%
Bonus
$30
Rewards
$270
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 14.24% - 22.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
0 30
Total 24,000 270

Card Details

  • 3% cash back at Amazon.com
  • 2% cash back at gas stations, restaurants, and drugstores
  • 1% cash back on all other purchases
  • No annual fee
Annual Fee
No Annual Fee
Rewards Rate
1.13%
Bonus
$30
Rewards
$270
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 13.24%, 17.24% or 20.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
3,000 30
Total 27,000 270

Card Details

  • Earn 3x points on Farmers Products, plus 3x points for gas purchases, 3x points for home improvement purchases, and 1x point everywhere else Visa is accepted
  • 0% introductory APR on all purchases in the first 12 months. After that the APR is 13.24% to 20.24% based on Prime Rate and creditworthiness
  • No annual fee
  • Points never expire
Annual Fee
$75
Rewards Rate
1.12%
Bonus
$179
Rewards
$269
More Card Details Graph Card
Annual Fee $75
Purchase APR 12.99% - 21.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 179
Less Annual Fees 150
Total 240 269

Card Details

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Annual Fee
No Annual Fee
Rewards Rate
1.10%
Bonus
$25
Rewards
$265
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 13.99%, 18.99% or 23.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
2,500 25
Total 26,500 265

Card Details

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases
Annual Fee
No Annual Fee
Rewards Rate
1.10%
Bonus
$25
Rewards
$265
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 20.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
2,500 25
Total 26,500 265

Card Details

  • 5% cash back on the first $250 you spend per month on eligible gas and grocery purchases each and the first $750 you spend per month on eligible book purchases
  • 1% cash back on every other purchase you make.
  • Use the rewards on this card to directly pay down your eligible Sallie Mae student loans
Annual Fee
$0 Intro Annual Fee for the first year then $25
Rewards Rate
1.10%
Bonus
$50
Rewards
$265
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $25
Purchase APR 22.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Less Annual Fees 25
Total 29,000 265

Card Details

  • 1 Club Premier Mile per $1 spent
  • 2 miles per $1 spent on Gas & Groceries
  • Complimentary Baggage
Annual Fee
No Annual Fee
Rewards Rate
1.10%
Bonus
$25
Rewards
$265
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
2,500 25
Total 26,500 265

Card Details

  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards
Annual Fee
No Annual Fee
Rewards Rate
1.10%
Bonus
$25
Rewards
$265
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 14.99% to 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
2,500 25
Total 26,500 265

Card Details

  • Earn 1 Plenti point for every dollar spent on eligible purchases
Annual Fee
$69
Rewards Rate
1.05%
Bonus
$150
Rewards
$252
More Card Details Graph Card Read Review
Annual Fee $69
Purchase APR 15.24% - 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 240
Bonuses
30,000 150
Less Annual Fees 138
Total 78,000 252

Card Details

  • 5 points for every $1 spent on participating hotels
  • 2 points for every $1 spent otherwise
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
Disney Premier Visa® Credit Card Image
Disney Premier Visa® Credit Card
Annual Fee
$49
Rewards Rate
1.01%
Bonus
$100
Rewards
$242
More Card Details Graph Card
Annual Fee $49
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Bonuses
0 100
Less Annual Fees 98
Total 240 242

Card Details

  • 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
  • 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
Annual Fee
$0
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 10.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Total 240 240

Card Details

  • New! Double all the cash back you've earned at the end of your first year automatically--only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-- up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 6.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • Earn 1 Flexpoint reward for each dollar you spend
  • Flexpoints can be earned on any net purchases at the rate of 1 per dollar
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 23.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • Earn between 1 to 6 points, depending on your level of spending
  • $25 Saks gift card
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 24.5% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 48,000 240
Total 48,000 240

Card Details

  • 3x points for every $1 spent at Bloomingdales
  • 6x points for every $1 spent on cosmetics, fragrances, & shoes at Bloomingdales, 4x points at restaurants
  • 2x points on every other purchase
  • Ability to schedule triple point days where you can earn more points
Annual Fee
$0
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 10.99% - 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Total 240 240

Card Details

  • New! Double all the cash back you've earned at the end of your first year automatically--only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Annual Fee
$0
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card Read Review
Annual Fee $0
Purchase APR 12.99%- 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Total 240 240

Card Details

  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you've earned at the end of your first year, automatically--only for new cardmembers.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 19.89%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 240
Total 240 240

Card Details

  • 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
  • Earn unlimited cash back
  • Cash back doesn't expire
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 10.9%, 14.9% or 22.9% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • 2 points per net dollar spent at Nordstrom, 1 point per dollar spent everywhere else
  • Get a $20 bonus Note when you spend $100 at Nordstrom with your Nordstrom card the day you apply.
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 11.99% - 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
  • Earn 1 point for every net dollar spent on everything else
  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee
Annual Fee
No Annual Fee
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card Read Review
Annual Fee No Annual Fee
Purchase APR 10.99% to 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • 5% cash back in categories that change each quarter, up to the quarterly maximum. Signing up each time is free and easy. Earn 1% cash back on all other purchases
  • 10% off purchases at shop.NHL.com when usIng the code ITPAYS at checkout
Annual Fee
$0
Rewards Rate
1.00%
Bonus
$0
Rewards
$240
More Card Details Graph Card
Annual Fee $0
Purchase APR 24.99%* Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Total 24,000 240

Card Details

  • No annual fee
  • 2X cash back rewards on purchases for gas, groceries and utilities
  • 1X cash back rewards on all other purchases
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active card members
Annual Fee
$89
Rewards Rate
0.96%
Bonus
$0
Rewards
$230
More Card Details Graph Card Read Review
Annual Fee $89
Purchase APR 15.99%, 19.99% or 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Less Annual Fees 178
Total 24,000 230

Card Details

  • 2X miles for every dollar spent on eligible US Airways and American Airlines purchases. 1x mile for every 1 dollar spent on all other purchases.
  • 1 Free Checked Bag
  • Whenever you redeem, you’ll receive 10% of your redeemed miles back
  • Priority boarding
  • No Foreign Transaction Fees
  • 25% in-flight savings on food, beverages, and headsets on US Airways and AA operated flights
Annual Fee
$80
Rewards Rate
0.96%
Bonus
$150
Rewards
$230
More Card Details Graph Card
Annual Fee $80
Purchase APR 12.99% - 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
15,000 150
Less Annual Fees 160
Total 39,000 230

Card Details

  • 1 mile for every $1 spent in purchases
  • Double Miles on Korean Air ticket purchases
  • 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
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Rewards Rate
0.85%
Bonus
$0
Rewards
$205
More Card Details Graph Card Read Review
Annual Fee Introductory Annual Fee of $0 the first year, then $95
Purchase APR 15.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 300
Less Annual Fees 95
Total 24,000 205

Card Details

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
Annual Fee
$95
Rewards Rate
0.83%
Bonus
$150
Rewards
$200
More Card Details Graph Card
Annual Fee $95
Purchase APR 12.99% - 21.99% Variable

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
15,000 150
Less Annual Fees 190
Total 39,000 200

Card Details

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Annual Fee
$50
Rewards Rate
0.79%
Bonus
$50
Rewards
$190
More Card Details Graph Card Read Review
Annual Fee $50
Purchase APR 12.99% - 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
5,000 50
Less Annual Fees 100
Total 29,000 190

Card Details

  • 1 mile for every $1 spent in purchases
  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
  • 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
Annual Fee
No Annual Fee
Rewards Rate
0.75%
Bonus
$72
Rewards
$180
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99% - 24.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 108
Bonuses
16,000 72
Total 40,000 180

Card Details

  • 15 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • 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
Annual Fee
$95
Rewards Rate
0.66%
Bonus
$177.5
Rewards
$158
More Card Details Graph Card
Annual Fee $95
Purchase APR 13.99%, 15.99% or 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 170
Bonuses
25,000 178
Less Annual Fees 190
Total 49,000 158

Card Details

  • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ gold status
  • No FX Fee
  • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee
Annual Fee
$0 Intro Annual Fee for the first year then $95
Rewards Rate
0.60%
Bonus
$0
Rewards
$145
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $95
Purchase APR

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Less Annual Fees 95
Total 24,000 145

Card Details

  • 1 point for every dollar you spent
  • 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
Annual Fee
No Annual Fee
Rewards Rate
0.50%
Bonus
$0
Rewards
$120
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 8.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 120
Total 24,000 120

Card Details

  • Earn 1 nRewards point for each dollar you spend
  • nRewards can be earned on any net purchases at the rate of 1 per dollar
Annual Fee
$0 Intro Annual Fee for the first year then $125
Rewards Rate
0.48%
Bonus
$0
Rewards
$115
More Card Details Graph Card
Annual Fee $0 Intro Annual Fee for the first year then $125
Purchase APR

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Less Annual Fees 125
Total 24,000 115

Card Details

  • 1 point for every dollar you spent
  • 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
Annual Fee
No Annual Fee
Rewards Rate
0.43%
Bonus
$100
Rewards
$102
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 19.99% or 22.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 2
Bonuses
0 100
Total 240 102

Card Details

  • 5% cash back on eligible online purchases through the Upromise portal
  • 4% back on eligible restaurants
  • 2% back on movie theaters
  • 1% back everywhere else
Annual Fee
$50
Rewards Rate
0.29%
Bonus
$50
Rewards
$70
More Card Details Graph Card
Annual Fee $50
Purchase APR 12.99% - 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 12,000 120
Bonuses
5,000 50
Less Annual Fees 100
Total 17,000 70

Card Details

  • 1 mile for every $2 spent in purchases
  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
  • 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
Annual Fee
$195
Rewards Rate
0.08%
Bonus
$0
Rewards
$18
More Card Details Graph Card Read Review
Annual Fee $195
Purchase APR 15.99%, 19.99% or 124.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 408
Less Annual Fees 390
Total 24,000 18

Card Details

  • 3X miles for every dollar spent on eligible US Airways and American Airlines purchases. Earn 2X miles for every dollar spent on eligible hotels and car rentals. 1x mile for every 1 dollar spent on all other purchases.
  • Apply for Global Entry with TSA Pre_™ and, upon approval, experience expedited, more efficient security screenings, moving you smoothly through U.S. customs when returning from traveling abroad.
  • Pay for the $100 Global Entry application fee with your card and you’ll automatically receive a $100 statement credit 2-3 weeks after your transaction.
Annual Fee
No Annual Fee
Rewards Rate
0.01%
Bonus
$0
Rewards
$2
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 13.99%, 16.99% or 19.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 240 2
Total 240 2

Card Details

  • 3% on L.L. Bean Purchases
  • 1% everywhere visa is accepted
  • Free return shipping
  • Free Monogramming
  • Exclusive cardmember sales
BankAmericard® Better Balance Rewards Image
BankAmericard® Better Balance Rewards
Annual Fee
No Annual Fee
Rewards Rate
0.00%
Bonus
$0
Rewards
$0
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 11.99% - 21.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 0 0
Total 0 0

Card Details

  • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles
Annual Fee
No Annual Fee
Rewards Rate
0.00%
Bonus
$0
Rewards
$0
More Card Details Graph Card
Annual Fee No Annual Fee
Purchase APR 23.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 0 0
Total 0 0

Card Details

  • Discounts ranging from 1 - 5% off purchases on Barneys New York credit card
  • Exclusive private and pre-sale access at Barneys
  • $50 in alterations reimbursable per $500 spent in store
  • Free international shipping
  • Free Valet Parking
  • Complimentary glass of wine at Barneys restaurants
Annual Fee
$195
Rewards Rate
-0.01%
Bonus
$100
Rewards
$-2
More Card Details Graph Card Read Review
Annual Fee $195
Purchase APR 15.24%, 17.24% or 19.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 288
Bonuses
0 100
Less Annual Fees 390
Total 24,000 -2

Card Details

  • 2 miles for every $1 spent on Delta flight and vacation purchases
  • 1 mile for every $1 spent otherwise
  • 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
Annual Fee
$495
Rewards Rate
-0.04%
Bonus
$500
Rewards
$-10
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Annual Fee $495
Purchase APR 14.99% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 480
Bonuses
25,000 500
Less Annual Fees 990
Total 49,000 -10

Card Details

  • 1x points for every $1 you spend
  • Membership to Lounge Club, which gives access to airport lounges worldwide
  • Luxury gift items
Annual Fee
$450
Rewards Rate
-0.67%
Bonus
$500
Rewards
$-160
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Annual Fee $450
Purchase APR 15.24%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
50,000 500
Less Annual Fees 900
Total 74,000 -160

Card Details

  • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
  • 1 point per $1 elsewhere
  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
Annual Fee
$450
Rewards Rate
-1.08%
Bonus
$400
Rewards
$-260
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Annual Fee $450
Purchase APR N/A [You must pay your balance in full each month]

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 240
Bonuses
40,000 400
Less Annual Fees 900
Total 64,000 -260

Card Details

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.
United MileagePlus® Club Card Image
United MileagePlus® Club Card
Annual Fee
$450
Rewards Rate
-1.23%
Bonus
$100
Rewards
$-296
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Annual Fee $450
Purchase APR 15.99%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 36,000 504
Bonuses
0 100
Less Annual Fees 900
Total 36,000 -296

Card Details

  • 2 points for every $1 spent on United Airlines tickets
  • 1.5 points for every $1 spent otherwise
  • United Club membership
  • First and second bags are checkable for free
  • No foreign transaction fee
  • Miles don't expire
Annual Fee
$450
Rewards Rate
-2.05%
Bonus
$120
Rewards
$-492
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Annual Fee $450
Purchase APR 15.24%, 17.24% or 19.24% Variable*

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 288
Bonuses
10,000 120
Less Annual Fees 900
Total 34,000 -492

Card Details

  • 2 miles for every $1 spent on Delta flight and vacation purchases
  • 1 mile for every $1 spent otherwise
  • 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
Annual Fee
$450
Rewards Rate
-2.40%
Bonus
$0
Rewards
$-576
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Annual Fee $450
Purchase APR 15.24%

Estimated Rewards Through 24 Months

Name Rewards Dollars*
Spending Rewards 24,000 324
Less Annual Fees 900
Total 24,000 -576

Card Details

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

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 picks 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 which typically have smaller bonuses than the travel cards but can be very competitive otherwise.

Chase Sapphire Preferred® CardBest 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: Earn 40,000 bonus points worth 400-500 dollars on travel or cash back when you spend $4,000 on purchases in the first 3 months from account opening. 
  • Double on travel and dining.
  • 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

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%

    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

    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.

    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

    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.

    Take a look at your spending habits

    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. 

    Understand how different cards work

    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. 

    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.