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Reward Credit Cards
Reward credit cards that offer the best rewards programs provide cardholders with the opportunity to earn cash back, gasoline rebates, frequent flyer points and entertainment and store discounts based on their purchase activities with these cards. When deciding amongst the best reward credit card offers available, you first need to properly qualify yourself for these type of credit cards.
At CreditCardAssist.com, we recommend that a reward credit card is most suitable for individuals who pay off their monthly card balances every month. If you typically carry a monthly credit card balance, the interest charges that you'll likely incur on that balance will, more than likely, offset the rewards that you can earn with the credit card, negating any net benefit. These type of credit cards can actually be very costly for those carrying monthly card balances, depending on the size of the balance that you carry. This is the "house bet" that the card issuers are typically making with credit cards of this sort. So if you're planning on carrying a monthly balance, you'll probably be better off financially finding a low interest credit card instead.
Cardholders that do pay off their monthly card balances can really benefit from these type of credit cards though. Rewards cards can provide cash rebates, frequent flyer points, rebates on automobiles, groceries, movie tickets, video rentals, home appliances, theme parks or just about anything else you can think of.
Some examples of really solid cards in this category include the Starwood Preferred Guest® Credit Card from American Express and Discover® Open Road Card (be sure to see the card issuer's application page below for details about each of the cards offered.)
There are numerous affinity credit cards with similar rewards programs, such as the Hilton HHonors® Platinum Rewards card and the American Express Preferred Rewards Gold Card, to name just a few. But these credit card rewards programs tend to be pretty costly for the credit card issuers. Some of these rewards cards might require an annual fee, varying roughly $50 to $100. Be sure to check the credit card grid on the page below for any annual fees that might be required.
Best Reward Credit Card Offers - Reviews
If you pay off your monthly card balance, and use your card a lot for purchases, cardholders can benefit greatly from the use of these credit cards. We've listed a variety of the very best reward credit card offers available below.
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Discover® More(SM) Card |
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- Unlimited Cash Rewards
- 5% Cashback Bonus® in categories that change four times a year
- 5% to 20% Cashback Bonus at top online retailers
- Up to 1% Cashback Bonus on all other purchases automatically
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 0% Intro APR for 6 months on Purchases and up to 12 months on Balance Transfers*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers, Purchases*
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Up to 12 Months*
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As Low As 11.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
Discover® More Card is Discover's flagship platinum rewards credit card and one that offers versatile card features as well as a fairly attractive rewards program as an incentive for card membership
...more info
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Starwood Preferred Guest(R) Credit Card from American Express |
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Credit Needed |
See Terms*
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See Terms*
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15.24%
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See Terms*
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Excellent
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Editor's Review:
Travelers who spend a fair amount of time on the road and staying in hotels will certainly appreciate the benefits and rewards from the Starwood Preferred Guest® Credit Card from American Express. This is not just another credit card, but a ticket to rewards and advantages all frequent travelers want access to on the road
...more info
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Citi® Forward(SM) Card |
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- The credit card that rewards you for good behavior
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
- 6,000 bonus points after $250 in purchases are made within 3 months of account opening
- 5,000 bonus points when you sign up for paperless statements within 3 months of account opening
- 5 rewards points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases
- 0% APR for 6 months on purchases and balance transfers
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases, Balance Transfers*
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6 Months*
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Prime + 10.99%* (V)
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$0*
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Yes
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Very Good Credit*
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Editor's Review:
The Citi® Forward(SM) Card is a new generation of rewards card that rewards people for simply doing the right thing. If cardholders simply stay within their credit limit and pay on time, they stand to be rewarded with bonus points and rate reductions.
...more info
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American Express (R) Preferred Rewards Gold Card |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Credit Needed |
N/A
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N/A
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N/A
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$125 annual fee
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Excellent
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Editor's Review:
The American Express Preferred Rewards Gold Card provides cardholders access to the Membership Rewards program for no additional fee. Largely because of the wide selection and variety of rewards associated with the program, this program has a reputation within the credit card industry as one of the best and most flexible rewards credit card programs available
...more info
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Looking for more information on rewards credit cards? We've provided more articles, tips, advice and resources specifically about these type of credit card offers below: - Finding the Top Gas Reward Cards - With gas prices skyrocketing by the minute, many consumers today are desperately searching for gas reward credit cards. With numerous credit cards offering gas rewards, the question begs ... which card offer is the top one to go with?
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