» Reward Credit Cards
Reward Credit Card Review
Determining which credit card you want to apply for can be determined by the types of rewards programs offered by the credit card companies if they offer rewards that work for you. If your credit score is good and you pay your credit card bills on time each month then there are a variety of reward credit cards open to you.What to look for:
You want to examine any rewards program offered by credit card issuers carefully. Look for cards that offer multiple types of rewards programs including cash back and purchasing your discounts. You want to be able to use the card anywhere and still get your cash back or discounts so look for cards that don't restrict you to their purchasing site or brand. Make sure you are not paying more in fees or interest charges than you will benefit from a rewards program. Here are a list of cards with rewards programs for your consideration.
TrueEarnings card from Costco American Express. This card is open to Costco members only so you will have to pay the membership fee at Costco to qualify for this card. This card offers a cash back program on almost any purchase. There is no other annual fee for the card except the Costco membership fee. You get 1% cash back on any purchase at Costco or any other purchases made anywhere with the card. There are higher cash back offers for purchases in the travel category including 3% for restaurants, 2% for travel and 3% for gas purchases. The rewards are redeemable at Costco for cash or merchandise.
Discover More Card. Discover more card while not accepted at all retail or travel locations does offer a 5% cash back reward on selected categories of purchases made with the card. Discover's cash back categories change every month as determined by the company. You get 1% cash back on all other purchases made using the card. There are spending caps or limits on some of the category purchases. The rewards can be redeemed for merchandise, gift cards and other types of rewards.
American Express Blue Cash. The Blue Cash card offers up to 5% in cash back rewards according to different categories in a program very similar to the Discover cash back program. The categories stay the same with the Blue Cash card including gas, grocery, drug store and other everyday purchases. For non-category purchases made with the card you get 1.25% cash back. None of the cash back rewards kick in until you use the card for $6,500 in purchases per year. Until you have reached that limit you receive 1% cash back on everyday purchases and 0.5% on all other purchases made with the card. So if you are not likely to spend at least $6,500 a year on this credit card go with another card.
Reward credit cards are credit cards that generally offer some type of reward for purchases made using the card. The best reward credit cards offer rewards such as cash back and points on purchases while some offer travel and hotel rewards as well. Reward credit cards are generally for people with a good to excellent credit card score or credit rating. This would require a credit score of at least 700-749 for credit cards that require good credit and a credit score of 750 or above for credit cards that require excellent credit. If you have good to excellent credit, compare and apply for the best reward credit card below. See also Credit Cards with Rewards and hotel rewards points
Discover® More® Card
- 0% intro APR on purchases for a full 6 months, then the regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback® Bonus on all other purchases
- 0% intro APR on balance transfers for a full 18 months, then the Regular APR
- Discover More Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 Months BT / 6 Months Purchases | 11.99% to 22.99% Variable* | None* | Yes* | Excellent - Good Credit |
Premier Rewards Gold Card
- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
- Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
- No annual fee for your first year - a $175 savings
- Get approved in 60-seconds.
- American Express Premier Rewards Gold Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | First Year Free, Then $175 per year* | Yes* | Excellent |
Starwood Preferred Guest® Credit Card from American Express
- Starpoints® BONUS: 10K with your first purchase and another 15K when you spend $15k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines and more than 1,000 hotels and resorts worldwide. No blackout dates, ever
- No annual fee for your first year, then $65/year
- Get approved in 60-seconds.
- Get your third night free at participating Sheraton(R) Hotels and Resorts worldwide
- Starwood Preferred Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0% on Purchases | 6 Months | 15.24% Variable* | 0$ | Yes | Excellent Credit |
American Express® Gold Card
- Earn 10K Membership Rewards(R) points, redeemable for select gift cards valued at $100, when you spend $500 in your first 3 months of Card membership
- Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
- Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
- Redeem Membership Rewards(R) points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Get approved in 60-seconds.
- American Express Gold Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | $125 | Yes* | Excellent* |
Blue Cash® Everyday from American Express
- No annual fee, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0% | For up to 12 Months | 17.24% to 21.24% Variable* | $0* | Yes* | Excellent Credit |
Discover® Miles
- 12, 000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months than the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
- Discover Miles Card
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 Months Purchases & Balance Transfers | 10.99% Variable* | No | Yes* | Excellent Credit |

