For people who use their credit card frequently for shopping and travel, credit card rewards are a great way to get additional benefits. You can earn a free vacation or points to spend on merchandise.
Different credit card companies offer different reward programs. If you travel frequently, you can choose from a selection of reward credit cards that can be enrolled in their rewards program earning a mile for almost every dollar spent using the card. Their miles never expire.
By using reward credit cards, you can earn cash back, frequent flyer air miles, gas rebates and other perks for using your credit cards. These credit card rewards include points towards buying a car, discounts on your next vacation, or savings when buying products at your favorite store. You can apply for the reward credit card you prefer in minutes.
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How do I cancel a credit card? I have too many now and need to simplify.
If you notify the issuer that you want to close an account, they must report it as closed. To be safe, you may want to ask them for an address to which you can send a confirmation certified mail (and keep a record).
Generally, Fair Isaac suggests that, as far as your credit is concerned, you just leave old accounts alone. If you do insist on closing some, they recommend you close retail accounts before major credit cards, and that you leave the oldest ones open.
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Rewards Credit Cards and You There are many different types of credit cards. In this competitive area, many companies are now offering special...
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Discover® More Card |
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- 0% intro APR on balance transfers for a full 18 months, then the Regular APR
- 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
- No Annual Fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 0% Intro APR* | 13.99% - 20.99% (V)* | Discover Bank |
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Discover® More Card - $100 Cashback Bonus |
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- Get $100 Cashback Bonus when you make $500 in purchases within 3 months
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 monthsl 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
- No Annual Fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 0% Intro APR* | 11.99% - 20.99% (V)* | Discover Bank |
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Discover® Open Road Card |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 0% Intro APR* | 11.99% - 20.99% (V)* | Discover Bank |
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Discover® Motiva Card |
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- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 3.99% Intro APR* | 11.99% - 20.99% (V)* | Discover Bank |
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Escape by Discover® Card |
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- 25, 000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- 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
- Industry Leading Customer Service
- Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | $60* | Yes* | 0% Intro APR* | 10.99% Variable* | Discover Bank |
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Miles by Discover® Card |
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- 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
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 0% Intro APR* | 10.99% Variable* | Discover Bank |
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Biodegradable Discover® More Card |
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- 0% intro APR on balance transfers and purchases for 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
- No Annual Fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | 0% Into APR* | 11.99% - 20.99% (V)* | Discover Bank |
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Blue Cash(R) from American Express |
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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Choose your cash back reward: Enjoy the flexibility of redeeming your cash back rewards for statement credits, gift cards and a wide array of merchandise anytime.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | No Annual Fee | Yes | 0% on Purchases for 6 months | 17.24%-21.24% Variable | American Express |
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American Express(R) Premier Rewards Gold Card |
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- 15,000 bonus Membership Rewards® points after $1000 spend in 3 months - additional 15,000 bonus Membership Rewards® points for $30,000 annual spend
- 3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- No annual fee for your first year, a savings of $175
- Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | First Year Free, then $175 annual fee | N/A | N/A | N/A | American Express |
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The Platinum Card(R) from American Express |
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- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
- Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
- 24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
- FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | $450 annual fee | N/A | N/A | N/A | American Express |
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Starwood Preferred Guest(R) Credit Card from American Express |
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- Earn up to 25,000 Starpoints (SM) - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
- Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
- No annual fee for the first year and $65 thereafter.
- Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | No annual fee for the first year - $65 thereafter | Yes | 2.90% on Purchases and Balance Transfers for 6 months | 15.24% variable | American Express |
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Zync from American Express(SM) |
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- Earn 10,000 Membership Rewards® points after first purchase.
- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest - that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
- Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | $25 annual fee | N/A | N/A [You must pay your balance in full each month] | N/A [You must pay your balance in full each month] | American Express |
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American DreamCard™ MasterCard® |
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American DreamCard - The first and only "POOLED REWARDSTM " Credit Card. Looking for a card with an award winning reward program? The American DreamCardTM MasterCard® is the card for you! Take advantage of a new concept in credit cards where everyday spending earns you entries to win thousands in cash every month. Apply today!
- Large monthly cash jackpots!
- Earn entries from everyday shopping!
- Get 1,000 entries just for applying!
†See terms and conditions for important rate, fee and other cost information, and limitations
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Fair - Excellent* | $0*-$59* | N/A* | as low as Prime + 10.99% | as low as Prime + 10.99% | HSBC Bank Nevada, N.A. |
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IBERIABANK Visa Classic |
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Apply for the IBERIABANK Visa Classic today!
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
*See website for complete terms and conditions of card usage and application disclosure.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Good/Excellent* | None* | Yes* | None* | as low as Prime + 4.00%* | IBERIABANK |
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IBERIABANK Visa Platinum |
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Apply for the IBERIABANK Visa Platinum today!
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary
with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance
transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
*See website for complete terms and conditions of card usage and application disclosure.
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| Credit Needed | Annual Fee | Balance Transfer | Intro APR | Ongoing | Issuer |
| Excellent* | None* | Yes* | N/A | as low as Prime + 6.0%* | IBERIABANK |
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Reward credit card .com offers American Express, Discover, Visa, and MasterCard credit cards. We update our database weekly, please check back for new credit card reward programs...