CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Credit Card Rewards

Credit Card Rewards

Compare credit cards with rewards from our partners and apply online
If you pay your balance in full each month, a rewards card can be a great way to earn cash back, free travel, or other perks. From basic rewards cards with no annual fee, to high-end travel rewards cards for business owners, there's a rewards card for nearly every lifestyle.


Top 5 Reasons to Get a New Credit Card


Hot Deals: Latest Credit Card Offers


Credit Cards for Excellent Credit


Share this on Facebook Tweet this

How to Choose a Credit Card with Rewards

So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

You'll want to compare rewards, annual fees, and the benefits of each card to choose the right one for you.

But if you plan on carrying a balance, you’ll want to take a look at low interest credit cards instead, because the interest cost will far exceed the rewards.

Here’s everything you need to know about choosing a credit card with rewards.

Keep in Mind

  • No annual fee?
    In general, the higher the annual fee, the better the rewards. But you can still find good rewards cards that have no annual fee.

    You may find that an annual fee is worth it—do the math to see whether the rewards will more than pay for it every year. Will you use the card often enough to earn the fee (which can cost less than $100 to as much as $450) and then some?

    Tip: If you have no tolerance for a yearly fee, read our latest roundup of credit card deals with no annual fees.

  • Travel?
    Look out for foreign transaction fees. You do not want to be nickel-and-dimed the next time you are traveling abroad by having to pay an extra 3% or so on each purchase. Or else resolve not to take your new card overseas.

    Tip: Read our best credit cards for international travel for the latest recommendations.

  • Cash Back?
    Keep an eye on promotional offers. You can find cards that will give you a nice chunk of cash back or points in return for charging a certain amount in the first few months of ownership. Banks want your business and usually offer attractive incentives to encourage you to open a new account and start using the new credit card.

    Chase, for example, is currently handing out 40,000 bonus points for customers who open a Sapphire Preferred card and spend at least $4,000 on the card in the first 3 months after opening your account. Those points alone are worth $500 in travel credit through Chase Ultimate Reward.

    When you're looking at the bonuses different cards are offering, the trick is to not get yourself lured in without reading the fine print. As a trade-off for getting all those points or miles up front, you typically have to meet a minimum spending requirement first.

    Tip: Compare the deals to find the best one for you. Here is a list of current cashback credit card offers and airline miles promotions on CreditDonkey.

  • Redemption
    Are you just looking for cash? Cashback credit cards are popular and redemption is so easy to understand (when you have 2,000 points, that’s $20 you can cash in as statement credit or a direct deposit in your bank account). Or are you more interested in rewarding yourself with a hotel stay or an airline trip? Then you’ll want to look at cards that will give you miles in return for your spending.

    Tip: Rewards earned through a travel card are usually worth more (you can stretch out how much the miles are worth if you book through the credit card or transfer them over to a loyalty program) than pure cash. However, travel rewards cards tend to come with an annual fee attached, and are most beneficial for regular travelers (lots of miles are great but only if you’ll actually use them).

Match Rewards to Spending Habits

Beyond the perks and promotions, you should factor in where your dollars tend to go. Are you a big grocery spender? There are rewards cards for that. Or do you rack up a ton of travel expenses through work? There are rewards cards for that too.

A card that pays out the highest rewards for your biggest spending categories should give you the most value in the long run.

  • For Gas and Groceries:

    • If you have excellent credit:
      Frequent grocery shoppers can benefit from the Blue Cash Preferred from American Express, a CreditDonkey advertiser. It offers 6% cash back at U.S. supermarkets on up to $6,000 in purchases (then 1%) and 3% cash back at U.S. gas stations.

      But it has a $75 annual fee. To make the fee worthwhile, you’ll need to spend at least $49/week on groceries at U.S. supermarkets, or $2,500 a year. That will earn you enough for a statement credit to pay for that annual fee, and have $75 leftover. You have the potential to earn much higher if, like most people, you spend more than that amount at grocery stores and factor in how much cash back you’ll get for gas purchases and everything else you charge (department store purchases also get 3% cash back and all other spending gives back 1%).

      Otherwise, consider the Blue Cash Everyday — which has no annual fee. The Blue Cash Everyday offers 3% cash back at U.S. supermarkets on up to $6,000 in purchases (then 1%) and 2% cash back at U.S. gas stations. It’s still a good deal for cardholders who will diligently use the card for their regular shopping.

    • If you have fair credit:
      Consider the Barclaycard Rewards card. The Barclaycard Rewards has no annual fee and offers 2x cash back on gas, groceries, and utilities. Plus, it reports to the 3 major credit bureaus, giving you an opportunity to build your credit history.

  • For airline miles:
    Want to score free trips? Learn how to play the airline miles and points game. You’ll make the most headway if you are a frequent traveler and can take advantage of frequent flier programs (some cards will let you make transfers).

    Warning: The miles game can be addicting. The last thing you want to do is accumulate airline miles with no plans to use them.

Don't Take on a Card You Don't Understand

Another issue to consider is ease of use. Is redeeming your points going to be a mind game that you can’t get out of, or do you enjoy the hunt for making the most of your miles?

Some people love the excitement of higher reward categories that change every few months (like dedicated users of the Chase Freedom and Discover cards), while others find the whole matter a bit of a hassle to track. If you fall into the latter group, you may be better off sticking with a card that always has the same rewards structure. That way, you don't run the risk of missing out on a bonus deal because you weren’t paying attention.

As a general rule of thumb, the better the rewards a card is offering, the better your credit will need to be to qualify. At a minimum, most rewards cards look for people with good credit when making approval decisions. If you're applying for an upper tier card like the Sapphire Preferred card, your score will need to be in the excellent range.

Look for Extras

When you're shopping around for a rewards card, look beyond the initial sign-on bonus and the kind of points or miles you can earn. These days, rewards cards come with lots of other incentives that can sweeten the deal, so it pays to review all of the finer points.

The American Express Platinum card is a prime example of a rewards card that takes things one step further. Members get premium benefits like access to select airport lounge programs at no additional charge, round-the-clock concierge service, companion tickets aboard eligible international flights, discounts on cruise and vacation packages, as well as preferred seating to select entertainment and sporting events.

All of those plusses tend to appeal to someone who travels frequently, but if you're more of an everyday spender who doesn’t get to go out all that much, you can still find a card with Membership Rewards but without the annual fee (such as AMEX EveryDay).

Take the time to see what else the card offers beyond basic rewards, or risk seriously shortchanging yourself.

Review Redemption Options

Earning tons of rewards doesn't do you any good unless you know how to use them strategically. Just as your options for earning rewards vary from one card to another, so do your choices for redeeming them.

With a cash back card, for example, your options for redemption are typically limited to direct deposit, statement credit, or gift cards (with gift cards, you can usually get more for your dollar; the credit card company will give you an extra $5 or $10, depending on what type of gift card you choose). Discover also allows you to use your cash back for purchases made online at selected retailers, including Amazon, as well as donations to charity.

By contrast, a travel rewards card is likely to offer a more extensive range of redemption methods. With the Chase Sapphire Preferred card, you can redeem your points for things like airfare, hotel stays, and rental cars. If you book through Chase’s online portal, Ultimate Rewards, you'll automatically get a 20% discount on your points for even more savings. That makes each point worth 1.25 cents.

Cardholders can also convert their points to gift cards from participating retailers or cash back if they prefer. And points earned with the Sapphire Preferred card can be transferred to participating frequent flyer and hotel loyalty programs on a 1:1 basis. The Membership Rewards Program from Amex also offers the option to transfer points to certain airlines and hotels.

If flexibility is important to you, take a look at a rewards card with multiple redemption options. Keep in mind, however, that your points may not necessarily generate the same value from one redemption option to another. For instance, 10,000 Membership Rewards points would be equal to $100 in travel credit, but they'd only be worth $70 if you're using them to pay for an Amazon purchase.

Pay Attention to Fees and Interest

After you've reviewed how points are earned and how you can use them, the last thing you need to focus on is how much the card is going to cost to use it. While there are some rewards cards that don't charge an annual fee, those that do usually have a more valuable rewards program. You’ll have to figure out if you can always make up the cost of the fee in rewards (i.e., you’ll use the card often enough throughout the year) and whether you’re diligent enough to cancel the card if you end up not using it.

Take a closer look at the EveryDay Preferred card from American Express. The card pays out triple points on supermarket purchases, on up to $6,000 worth of purchases per year. You also get 2 points per $1 at gas stations and 1 point on other purchases. Those are some nice rewards, but they come at a price—there's a $95 annual fee. If you hit the annual spending limit on groceries, you could help justify the annual fee with the rewards you earn, but if you don't use the card that often, you could end up going in the hole.

Aside from that, there's also the card's APR to consider. If you're not going to pay the balance in full each month, a higher rate can make your debt much more expensive. When paired with a hefty annual fee, the interest can effectively negate anything you'd be getting in the form of rewards.


Picking the best rewards card for you can feel like searching for a song in a digital music store when you don’t know the name of it. You may fee a little lost at first. Focus on a few priorities, e.g., is no annual fee a top issue for you, do you really, really want to get travel-related rewards, etc.

Evaluate how you spend your money, consider what kind of rewards are most important for you, and think about how you’re most likely going to use them. You’ll then pinpoint the card that's your ideal match.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.


Cash Back Credit Cards

Chase Freedom
Read ReviewApply for Chase Freedom
At Chase's Secure Site
  • 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
Cash Back Rewards Benefit: Unlimited 1% Cash Back on every purchase
Introductory Bonus Cash Back: Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
Bonus Cash Back: 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter It's free and easy to activate your bonus each quarter.
Bonus Categories for 2015:
Q1 (January 1 – March 31, 2015): Grocery stores (not including Walmart® and Target® purchases), movie theaters and Starbucks® stores
Q2 (April 1 – June 30, 2015): Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®
Q3 (July 1 – September 30, 2015): Gas stations and Kohl's®
Q4 (October 1 – December 31, 2015): Amazon.com and more
Our Review: If you want to earn cash back and score a good deal, you may want to consider the Chase Freedom. Read on for the reasons why this rewards credit card could be good for you — and why it has potential drawbacks... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
13.99% - 22.99% Variable
$0

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Cash Back Rewards Benefit: 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.
Introductory Bonus Cash Back: 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.
Our Review: If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday Card. This credit card with no annual fee also offers $100 back after you spend $1,000 on purchases on your new card in your first 3 months. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
Cash Back Rewards Benefit: 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.
Introductory Bonus Cash Back: 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.
Our Review: If you are looking to get cashback rewards on common household categories like gas and groceries, consider the American Express Blue Cash Preferred Card. American Express created the Preferred card (with a $75 annual fee) as an upgrade to the Blue Cash Everyday Card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$75


Read Review
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: A generous cash back and promotional low interest offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
10.99% - 22.99% Variable*
$0

Gas Rewards Credit Cards

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance
Gas Rewards Benefit: 3% cash back at US gas stations
Our Review: If you are looking to get cashback rewards on common household categories like gas and groceries, consider the American Express Blue Cash Preferred Card. American Express created the Preferred card (with a $75 annual fee) as an upgrade to the Blue Cash Everyday Card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$75

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Gas Rewards Benefit: 2% at US gas stations. Terms and limitations apply
Our Review: If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday Card. This credit card with no annual fee also offers $100 back after you spend $1,000 on purchases on your new card in your first 3 months. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Chase Freedom
Read ReviewApply for Chase Freedom
At Chase's Secure Site
  • 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
Our Review: If you want to earn cash back and score a good deal, you may want to consider the Chase Freedom. Read on for the reasons why this rewards credit card could be good for you — and why it has potential drawbacks... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
13.99% - 22.99% Variable
$0

Barclaycard Rewards MasterCard
Read ReviewApply for Barclaycard Rewards MasterCard
At Barclaycard's Secure Site
  • 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.
Cash Back RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on Rewards
Gas Rewards Benefit: 2X cash back rewards on purchases for gas
Our Review: For people with fair credit looking to earn rewards with no annual fee, the Barclaycard Rewards MasterCard is a solid pick. It offers 2x cash back rewards on three common expense categories — gas, groceries, and utilities... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99%* Variable
$0

Airline Rewards Credit Cards

Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • 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
Airline Rewards Benefit: 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
Our Review: Do you like to travel? Chase Sapphire Preferred has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% Variable
Introductory Annual Fee of $0 the first year, then $95

Gold Delta SkyMiles Credit Card from American Express
Read ReviewApply for Gold Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Airline Rewards Benefit: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
Introductory Bonus Airline Rewards: 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.
Our Review: Frequent Delta flyers will enjoy the 30,000 bonus mile introductory offer and travel perks of the Gold Delta SkyMiles card from American Express. Like most other airline cards, this one does have an annual fee, but in our opinion, frequent Delta flyers will find that it’s actually a good investment for the points and perks they receive... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
NoneNone
15.24% - 19.24% Variable
$0 intro annual fee for the first year, then $95


Read Review
Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel RewardsCar Rental RewardsTravel Accident InsuranceEmergency Assistance
Our Review: If you want to earn 2x miles with all purchases and have the flexibility to redeem miles toward any airline purchase, consider the Barclaycard Arrival Plus World Elite MasterCard. The $89 annual fee card lets you earn miles quickly with no mileage caps. In addition, a 40,000 bonus mile offer makes this card an attractive choice... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (must be completed within first forty-five days of account opening)
15.99% or 19.99%* Variable
$89 - Waived first year


Read Review
Introductory Bonus Airline RewardsAirline RewardsTravel RewardsBonus Airline RewardsNo Expiration on Rewards$0 Fraud Liability
Our Review: Discover it Miles credit card rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Even more appealing, as a promotion, the card will double the miles you earn at the end of your first year... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
10.99% for 12 months
10.99% - 22.99% (Variable)
$0

Travel Credit Cards

Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • 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
Travel Rewards Benefit: 2X points per dollar spent on travel. 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
Airline Rewards: 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
Our Review: Do you like to travel? Chase Sapphire Preferred has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% Variable
Introductory Annual Fee of $0 the first year, then $95


Read Review
Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel RewardsCar Rental RewardsTravel Accident InsuranceEmergency Assistance
Our Review: If you want to earn 2x miles with all purchases and have the flexibility to redeem miles toward any airline purchase, consider the Barclaycard Arrival Plus World Elite MasterCard. The $89 annual fee card lets you earn miles quickly with no mileage caps. In addition, a 40,000 bonus mile offer makes this card an attractive choice... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (must be completed within first forty-five days of account opening)
15.99% or 19.99%* Variable
$89 - Waived first year


Read Review
Introductory Bonus Airline RewardsAirline RewardsTravel RewardsBonus Airline RewardsNo Expiration on Rewards$0 Fraud Liability
Our Review: Discover it Miles credit card rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Even more appealing, as a promotion, the card will double the miles you earn at the end of your first year... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
10.99% for 12 months
10.99% - 22.99% (Variable)
$0

Starwood Preferred Guest Credit Card from American Express
Read ReviewApply for Starwood Preferred Guest Credit Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline RewardsNo Limits on RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud Liability
Airline Rewards: Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis.
Hotel Rewards: 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.)
Our Review: There’s a new version of the Starwood Preferred Guest credit card, and with the updated perks comes an increased cost: the annual fee has been bumped from $65 to $95. Read on to find out if the card should still be worth considering in 2015... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
NoneNone
15.24% - 19.24% variable
$0 introductory annual fee for the first year, then $95

Hotel Rewards Credit Cards

Starwood Preferred Guest Credit Card from American Express
Read ReviewApply for Starwood Preferred Guest Credit Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline RewardsNo Limits on RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud Liability
Hotel Rewards Benefit: 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.)
Introductory Bonus Hotel Rewards: 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.
Our Review: There’s a new version of the Starwood Preferred Guest credit card, and with the updated perks comes an increased cost: the annual fee has been bumped from $65 to $95. Read on to find out if the card should still be worth considering in 2015... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
NoneNone
15.24% - 19.24% variable
$0 introductory annual fee for the first year, then $95


Read Review
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery Rewards
Our Review: The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns award nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24% - 19.24%* (Variable)
None

IHG Rewards Club Select Credit Card
Read ReviewApply for IHG Rewards Club Select Credit Card
At Chase's Secure Site
  • 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
Hotel Rewards Benefit: Earn 5 points for each $1 spent at our hotels
Introductory Bonus Hotel Rewards: Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
Our Review: If you travel, there’s a good chance you've found yourself at one of IHG’s 4,900 properties worldwide at some point. The IHG Rewards Club Select credit card’s promise of big savings on hotel stays is tempting, but is it worth the $49 annual fee?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% Variable
$0 introductory annual fee the first year, then $49

Club Carlson Premier Rewards Visa Signature Card
Read ReviewApply for Club Carlson Premier Rewards Visa Signature Card
At U.S. Bank's Secure Site
  • Earn 50,000 Gold Points after your first purchase, plus 35,000 points once you spend $2,500 on your card within the first 90 days - that's up to 9 Free Award Nights at Category 1 hotels
  • 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
  • Earn one free night when you charge $10,000 then renew your Card.
  • 5 points per $1 spent in eligible net purchases everywhere else
  • Club Carlson Gold Status is yours after you activate and use your card
  • Please see terms and conditions for complete details
  • Net purchases are purchases minus credits and returns
  • Subject to credit approval
Introductory Bonus Hotel RewardsHotel RewardsBonus Hotel RewardsNo Pre-Set Spending LimitConciergeEvents$0 Fraud Liability
Hotel Rewards Benefit: 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
5 points per $1 spent in eligible net purchases everywhere else
(Net purchases are purchases minus credits and returns)
Introductory Bonus Hotel Rewards: Earn 50,000 Gold Points after your first purchase, plus 35,000 points once you spend $2,500 on your card within the first 90 days - that's up to 9 Free Award Nights at Category 1 hotels
Bonus Hotel Rewards: 40,000 renewal bonus points each year when you renew your card. (Annual Renewal Bonus: Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you will receive a Renewal Bonus of 40,000 Gold Points (25,000 Gold Points for Platinum Rewards). Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your Club Carlson account.)
Earn one free night when you charge $10,000 then renew your Card.
Our Review: Looking for a hotel rewards credit card? The Club Carlson Premier Rewards Visa Signature card offers an eye-popping signup bonus and opportunities to get free hotel stays if you make a point of using this card regularly... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
13.99% - 22.99%* (Variable)
$75

Reward Points Credit Cards

The Amex EveryDay Preferred Credit Card from American Express
Read ReviewApply for The Amex EveryDay Preferred Credit Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGas RewardsGrocery Rewards
Point Rewards Benefit: 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.
Introductory Bonus Reward Points: Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
Bonus Reward Points: 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.
Our Review: The EveryDay Preferred credit card is worth considering if you have excellent credit and plan to use this card frequently to take full advantage of its rewards. This is the type of the card that is meant to come out of your wallet several times throughout the month — or else you’ll find the $95 annual fee won’t be worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$95

The Amex EveryDay Credit Card from American Express
Read ReviewApply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • 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.
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGrocery Rewards
Point Rewards Benefit: 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.
Introductory Bonus Reward Points: Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
Bonus Reward Points: 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.
Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Chase Sapphire Preferred Card
Read ReviewApply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • 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
Point Rewards Benefit: 1 point per dollar spent on all other purchases
Introductory Bonus Reward Points: Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
Our Review: Do you like to travel? Chase Sapphire Preferred has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% Variable
Introductory Annual Fee of $0 the first year, then $95

American Express Premier Rewards Gold Card
Read ReviewApply for American Express Premier Rewards Gold Card
At American Express' Secure Site
  • 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.
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental Insurance Extended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityRoadside Assistance
Point Rewards Benefit: New: Earn 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.
Introductory Bonus Reward Points: Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
Our Review: The American Express Premier Rewards Gold card offers 3x points for flights booked with airlines and 2x points at U.S. supermarkets, U.S. gas stations and U.S. restaurants. But there's a $195 annual fee. Is the annual fee worth it? Before you decide, read this in-depth review... Read full review
Card TypeAnnual Fee
Personal Charge Card
Introductory annual fee of $0 for the first year, then $195

Articles on Credit Card Rewards

    What to Buy on Your Credit Card

    By Lori D - Money Tips
    Swiping your credit card is easy. Rare is a store that insists on cash only. But just because it’s easy doesn’t mean you should always do it. There are times, CreditDonkey.com advises, when you should keep your card in its home slot in your ...

    AMEX EveryDay vs Blue Cash Everyday

    May 7, 2015 - By Michelle Kaiser - Reviews
    Looking for a rewards credit card for everyday use? Read this comparison review of the Amex EveryDay and Blue Cash Everyday from American Express, a CreditDonkey advertiser, to see how the rewards stack up.
    Infographics: Wrapping Up a Smile

    Gift Wrapping Statistics

    By Emma A - Money Tips
    With approximately $2.9 billion of gift wrap and related accessories sold annually, according to Hallmark research, Americans have a lot of wrapping to do before this Christmas.

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.