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Credit Cards With Rewards

The best rewards cards allow you to earn points now, choose your rewards later.

All credit cards were not created equal. General rewards credit cards mean as you earn points you get your choice of rewards: free flights, hotel stays, merchandise, entertainment or plain, hard cash. After all, we all like (love) free stuff - especially money! Since you’re already paying for gas, groceries and everyday expenses, you may as well be rewarded for being a consumer.

General rewards credit cards help you earn all kinds of freebies simply for swiping your card and paying off your balance each month. You can earn bonus points with many of the rewards credit cards listen below. Don't forget that some rewards cards also offer discounts and/or double points on some of the things you enjoy doing most, like dining out and watching movies. Explore your options today, and reap credit card rewards tomorrow.

While a lot of credit cards offer rewards, only a handful are really worth carrying. Creditnet lists only the top credit card rewards offers to ensure that you're getting the best deal possible with your new card. Scroll below for our expert recommendations on the best rewards credit cards on the market today.

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months
Average Savings
$411.40
Over 1 year Apply Now View Savings Info

Discover it® Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
Hide More Info
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4.9
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $54.39 $45.05 $199.44
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $130.10 $108.12 $478.22
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $411.40 $270.89 $239.57 $921.86
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Average Savings
$345.46
Over 1 year Apply Now View Savings Info
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $72.53 $45.05 $217.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $174.06 $108.12 $108.12 $390.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $345.46 $267.05 $239.57 $852.08
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Intro APR
N/A
Regular APR
8%
Balance Transfer
8%
Ongoing
Average Savings
$204.00
Over 1 year Apply Now View Savings Info
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4.75
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $60.00 $60.00 $60.00 $180.00
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $144.00 $144.00 $144.00 $432.00
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Balance Transfer Cost ? -$0.00 -$0.00 -$0.00 -$0.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $204.00 $204.00 $204.00 $612.00
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® for Students

Intro APR
0%
6 months applied to Purchases
Regular APR
12.99%-21.99% Variable*
Balance Transfer
See Terms
Ongoing
Average Savings
$268.51
Over 1 year Apply Now View Savings Info

Discover it® for Students Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
Hide More Info
Learn More
4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $35.05 $35.05 $35.05 $105.15
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $162.06 $84.12 $84.12 $330.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $268.51 $205.57 $205.57 $679.65
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Citi® Platinum Select® / AAdvantage® World MasterCard®

Intro APR
N/A
Regular APR
13.99% - 21.99%*(Variable)
Balance Transfer
13.99% - 21.99%*(Variable)
Ongoing
Average Savings
$335.77
Over 1 year Apply Now View Savings Info
Show More Info
Learn More
4.5
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $30.05 $30.05 $30.05 $90.15
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $72.12 $72.12 $72.12 $216.36
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $48.60 $48.60 $48.60 $145.80
This card offers 2 miles per $1 spent (estimated at $.02) on American Airlines flight purchases. Creditnet assumes 35% of total purchases made with this card are on these premium purchases, with the remaining 65% receiving the standard one mile per $1 (estimated at $.01)
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
Cardholders that spend $30,000 or more with this card each year earn a $100 airfare discount. Click the "Apply" button for full qualifying details.
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
Cardholders that make $1,000 or more in purchases within the first three months will earn the advertised bonus miles. Creditnet estimates that one bonus mile is earned for every $1 spent with this card, making the estimated value of this one time bonus worth $400. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
Free bags ? $200.00 $200.00 $200.00 $600.00
Creditnet assumes cardholders make four roundtrip flights per year using this card. Cardholders that make their American Airlines reservation with this card are eligible to check their first bag free each way. One free checked bag on American Airlines flights is worth $25, with up to $50 in savings each trip for an assumed total of $200 each year.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$95.00 -$95.00 -$190.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $335.77 $255.77 $255.77 $847.31
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

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Rewards Credit Cards - Choosing the best one for you

These days, it’s all about the credit card rewards. Rewards cards can come in various types; there are travel rewards cards, cash back rewards credit cards and gas rebate credit cards to name just a few.

While each rewards card offers its own variation of rewards programs, the same general idea is consistent: the more you spend, the more rewards you earn. Credit card companies use rewards as an incentive for consumers to swipe using their card. We recommend using your rewards credit card to earn points, but don’t over-reach on your monthly budget; swipe your card on the stuff you’re buying anyway and know you can pay back to stay out of credit card debt. (Or, to keep it simple - pay back your balance each month!)

This is especially important for college students or young adults new to credit. Many credit cards for students or credit cards for limited credit do their best to teach responsible spending early by rewarding customers with cash back opportunities for on-time payments and paying your balance back in full.

Once you’ve got the responsible spending part down, here are some ways in which rewards credit cards allow you to earn freebies:

  • Cash Back Rewards Cards

In general, these are the most popular types of rewards. (C’mon. It’s free money.) Depending on the rewards credit card, there are a number of ways to earn cash back. Since each card is different, we’ll give you the just; you can earn (usually) 1-2% on everyday purchases. If your credit card has a quarterly rewards program, then you can enroll into a program every three months or so in which you’ll receive as much as 5% cash back on specific categories. (Gas and groceries, for example.)

Some credit cards offer a cash back bonus at the end of every year as another reward for being a customer. 

Get the full list of cash back credit cards on Credinet.com.

  • Travel Rewards Cards

Another big reason people sign up for rewards cards are the travel perks, specifically airline miles, free or discounted hotel stays and gas rebate rewards. These types of cards are excellent for business travelers or people that just like to travel since you can acquire (in many cases) double points on travel purchases that you’d be making anyway.

Some rewards cards are co-branded by hotels or airlines, while others are broader and more flexible. Basically, when choosing a travel rewards card, simply consider what type of traveler you are; a loyal company man or woman, or a bargain hunter willing to try any company if the price is right.

For specific details on travel rewards cards, check out our guide to airline miles credit cards and begin saving up for your dream getaway today.

  • Business Rewards Cards

Last (but certainly not least) are business rewards cards. Depending on the size and scope of your business, there are a number of things to consider before applying. That being said, one of the factors you’re sure to consider are business rewards.

Business rewards cards are similar to general rewards credit cards; you can redeem on airline miles, travel discounts or cash back.

In our opinion, it’s the miles that can really make a difference for your business. (And add up in a hurry if you’re on the road.) However, depending on the needs of your business, it could be the gas rebates that put a (albeit small) dent in your overhead. Plus, there are occupation-specific business rewards cards that are unique to small businesses and help you save on the everyday purchases you’re used to making.

Like your approach to any credit card, it’s all about finding the rewards card that matches best with your businesses’ needs. Compare our favorite rewards credit cards above!