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Rewards Credit Cards

Cards that reward you for every purchase you make by accumulating points towards a specific reward: automobiles, cruises, dining, home improvement, hotels & resorts, etc., or offering instant rebates. Advantageous when you are able to pay the balance in full at the end of each month. Please visit our Airline Credit Cards category for air miles, frequent flyer & other travel rewards, our Cash Back Credit Cards category to get up to 5% of your yearly purchases in cash, or our Gasoline Rebate Credit Cards to save money on all your fuel purchases. Our selection features several 0% APR on purchases & balance transfers - for up to 12 months/billing cycles - with no annual fee offers.

Our Top Pick: Bank of America Accelerated Rewards™ American Express®

Click on the name of a card for a detailed page.


HSBC American Express® Card with Plus Rewards
HSBC American Express® Card with Plus Rewards
Click here to apply for the HSBC American Express® Card with Plus Rewards
  • 25% MORE REWARDS than a typical 1 point per dollar rewards program!
  • 1.25 points for every $1 of net purchases
  • No earnings caps and no tiers
  • 0% Introductory APR on purchases and balance transfers for 12 months
  • No annual fee
  • Cash access at 800,000 ATMs
  • Emergency Assistance Services**
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 months* As low as 9.99% Variable* None* Yes* Above Average / Excellent*

No Hassle PointsSM Rewards - Excellent Credit
No Hassle Points<sup>SM</sup> Rewards - Excellent Credit
Click here to apply for the No Hassle Points<sup>SM</sup> Rewards - Excellent Credit
  • Earn 2 points per dollar spent at gas stations, major grocery and drug stores
  • 1 point for every dollar spent on other purchases
  • Save with a 0% intro APR on purchases until October 2009
  • There is no limit to the points you can earn, and your points won't expire
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Oct. 2009* 9.90% Variable* None* Yes* Excellent*

HSBC Platinum MasterCard® with Cash or Fly Rewards
HSBC Platinum MasterCard® with Cash or Fly Rewards
Click here to apply for the HSBC Platinum MasterCard® with Cash or Fly Rewards
  • Earn one point for every dollar of net retail purchases, everywhere you shop.
  • Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points
  • Or redeem points for 1% cash back
  • Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
  • No annual fee, for qualifying applicants
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 months* As low as 8.99% Variable* None* Yes* Good / Above Average*

HSBC ecosmartSM MasterCard® with Plus Rewards
HSBC ecosmart<sup>SM</sup> MasterCard® with Plus Rewards
Click here to apply for the HSBC ecosmart<sup>SM</sup> MasterCard® with Plus Rewards
  • Earn 1 point for every dollar you spend with your card, regardless of where you shop
  • Redeem your points for eco-rewards, or cash back, airfare, hotel stays, car rentals, merchandise, gift cards, and more...
  • Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualified applicants*
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 months* As low as 8.99% Variable* None* Yes* Good / Above Average*

World of Warcraft Platinum Edition® Visa® Card
World of Warcraft Platinum Edition® Visa® Card
Click here to apply for the World of Warcraft Platinum Edition® Visa® Card
  • 0% APR* for the first 6 billing cycles on purchases after your account is opened.*
  • Earn Gametime with card purchases.
  • Earn a month of World of Warcraft game time upon first use during the first three billing cycles after your account is opened.*
  • No annual fee
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 6 billing cycles* As low as 13.99%* None* Yes* Above Average / Excellent*

Wyndham Rewards MasterCardSM
Wyndham Rewards MasterCard<sup>SM</sup>
Click here to apply for the Wyndham Rewards MasterCard<sup>SM</sup>
  • 13 points for every $1 you spend on qualifying hotel stays – when you use your Wyndham Rewards MasterCard credit card at these participating hotel brands.§ Wyndham Hotels & Resorts, Ramada, Days Inn, Super 8, Wingate by Wyndham, Baymont, Howard Johnson, Travelodge (US hotels only), Knights Inn and Amerihost Inn.
  • 2 Points for every $1 you charge on all other purchases§
  • 0% Introductory Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first 12 billing cycles* (subject to a 3% transaction fee, no less than $10).
  • No Annual Fee
  • 24 hour Online Access
  • Complete Fraud Protection
  • Credit Protection Available
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 9.99% Platinum; 15.99% Preferred* None* Yes* Good / Above Average*

MERRILL+® Visa® Credit Card
MERRILL+® Visa® Credit Card
Click here to apply for the MERRILL+® Visa® Credit Card
  • No annual fee and a low competitive annual percentage rate (APR).
  • Anytime, Anywhere, Any AirlineSM — air rewards starting at 25,000 points, with no blackout dates.
  • Earn 1 point for every $1 spent on net retail purchases and accrue unlimited Merrill PointsSM
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.90 %* 12 billing cycles* 9.99% Fixed* None* Yes* Good / Above Average*

WorldPoints® Platinum Plus® MasterCard® Credit Card
WorldPoints® Platinum Plus® MasterCard® Credit Card
Click here to apply for the WorldPoints® Platinum Plus® MasterCard® Credit Card
  • Earn 1 Point for every dollar you spend in net retail purchases.* Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
  • No Annual Fee
  • Free 24/7 Concierge Service
  • Absolute Fraud Protection
  • 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* Between 9.99% & 19.99%* None* Yes* Good / Above Average*

Ducks Unlimited WorldPoints Platinum Plus® Visa® Credit Card
Ducks Unlimited WorldPoints Platinum Plus® Visa® Credit Card
Click here to apply for the Ducks Unlimited WorldPoints Platinum Plus® Visa® Credit Card
  • The credit card that provides support for Ducks Unlimited’s North American conservation efforts each time you use the card to make a purchase – at no additional cost to you.
  • Earn 1 Point for every net retail purchase dollar spent; redeemable for air travel with no blackout dates, brand name merchandise, restaurant gift cards, and cash back.
  • No Annual Fee.
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* As low as 9.99%* None* Yes* Good / Above Average*

Hilton HHonors® Platinum Credit Card from American Express
Hilton HHonors® Platinum Credit Card from American Express
Click here to apply for the Hilton HHonors® Platinum Credit Card from American Express
  • Earn Up to 50,000 HHonors® Bonus Points When You Get the Card
  • No Annual Fee
  • Receive 5 HHonors Bonus Points for Each Dollar Spent at Hilton Family Hotels Including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and More and For Eligible Purchases at Supermarkets, Drugstores, Gas Stations, and More
  • Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
  • No blackout dates
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.9%* 6 months* 14.99%* None* Yes* Above Average / Excellent*

Bank of America Accelerated Rewards™ American Express® Card
Bank of America Accelerated Rewards™ American Express® Card
Click here to apply for the Bank of America Accelerated Rewards™ American Express® Card
  • Earn rewards faster with 1.25 points for every net retail purchase dollar
  • 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • No annual fee and the flexibility to pay over time
  • Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates
  • Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
  • Free 24/7 Concierge Service
  • Access to more than 2,200 American Express Travel Services locations worldwide to help you.
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* Between 9.99% & 19.99%* None* Yes* Good / Above Average*

Elite Rewards® World MasterCard® Credit Card
Elite Rewards® World MasterCard® Credit Card
Click here to apply for the Elite Rewards® World MasterCard® Credit Card
  • Earn Double Points for purchases at participating merchants.*
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles
  • Earn 1 point for $1 in net retail purchase(s).*
  • Get 500 Bonus Points after your first qualifying retail purchase(s).*
  • No Annual Fee.
  • Fly on major U.S. airlines with no blackout dates.
  • Avis® car rental discounts and special offers.
  • Gift cards from top retailers and restaurants.
  • Card issued by FIA Card Services, N.A
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 9.90%* None* Yes* Good / Above Average*

Major League Baseball™ Extra Bases™ Credit Card
Major League Baseball™ Extra Bases™ Credit Card
Click here to apply for the Major League Baseball™ Extra Bases™ Credit Card
  • Get the card that’s a hit with baseball fans!
  • Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.*
  • Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.*
  • 0% introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • No annual fee.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* As low as 9.99%* None* Yes* Good / Above Average*

Pet Rewards™ Visa®
Pet Rewards™ Visa®
Click here to apply for the Pet Rewards™ Visa®
  • 1 point for every dollar you spend on everyday purchases
  • Rewards begin at just 750 points
  • Earn points toward veterinary services, pet food discount certificates, and shelter donations
  • Earn two PetRewards Points for each dollar you spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores
  • 500 bonus points after your first purchase.
  • Mini Card available
  • Card issued by FIA Card Services, NA
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 6 billing cycles* Prime + 9.99% Variable* None* Yes* Good / Above Average*

Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express
Click here to apply for the Starwood Preferred Guest® Credit Card from American Express
  • Earn Up to 25,000 Starpoints® - Enough for up to 6 Free Nights at a Category 1 or 2 Hotel.
  • Use Starpoints® for Free Nights and Upgrades at Over 860 Participating Starwood Hotels and Resorts in 95 Countries Including Sheraton, W Hotels, Westin and More with No Blackout Dates
  • No Annual Fee for the First Year and $45 Thereafter
  • Transfer Starpoints® — Amost Always on a 1:1 Basis — to the Frequent Flyer Programs of Over 30 Major Airlines
  • Earn One Starpoint® for Every Dollar You Spend and Double Starpoints® at Participating Starwood Properties and Retail Partners
  • Express Approval. Get a Decision in Less Than 60 Seconds
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.9%* 6 months* 14.99%* None (Year 1)* Yes* Above Average / Excellent*

Fidelity Investments Rewards Visa Signature® with WorldPoints®
Fidelity Investments Rewards Visa Signature® with WorldPoints®
Click here to apply for the Fidelity Investments Rewards Visa Signature® with WorldPoints®
  • Earn one Point for every dollar spent in net retail purchases.*
  • Points can be redeemed as a deposit into your eligible Fidelity Account; or redeem your Points for travel, merchandise and more.*
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance check through your first 12 billing cycles.
  • No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 14.99%* None* Yes* Good / Above Average*

Home Advantage™ World MasterCard® Credit Card
Home Advantage™ World MasterCard® Credit Card
Click here to apply for the Home Advantage™ World MasterCard® Credit Card
  • 0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles.
  • Earn 1 point for every $1 in net retail purchases at all merchants*
  • Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates*
  • Redeem your Points as extra payments - Every time you earn 5,000 Points, you can redeem them for cash-which can be applied directly to your mortgage.*
  • No limit to the number of points you can earn each year
  • Absolute fraud protection against unauthorized use, online and offline
  • Access to the MyConciergeSM service, a unique personal assistance service*
  • Secure Online Account Access and electronic bill payment service
  • Premier services and benefits with an exceptional selection of personalized rewards. In addition to Cash, Travel, Merchandise and Payments toward any Mortgage---you get Ultimate Access™ rewards - an exclusive benefit of your WorldPoints credit card that gives you the ability to redeem for exclusive collectibles, memorable tailor-made experiences, unprecedented access to sports and entertainment personalities, access to marquee events, exclusive designer items, sports memorabilia, and once-in-a-lifetime experiences.
  • Card issued by FIA Card Services, N.A.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* Between 9.99% and 19.99%* None* Yes* Good / Above Average*

Bass Pro Shops® Outdoor Rewards Visa® Card
Bass Pro Shops® Outdoor Rewards Visa® Card
Click here to apply for the Bass Pro Shops® Outdoor Rewards Visa® Card
  • Help Conservation Efforts – With each card purchase, Bass Pro Shops and the National Fish and Wildlife Foundation will make a contribution to help conservation efforts, with a guaranteed yearly contribution as high as $1.5 million, at no additional cost to you.
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks through your first twelve billing cycles.
  • No Annual Fee.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 9.99%* None* Yes* Good / Above Average*

One from American Express®
One from American Express®
Click here to apply for the One from American Express®
  • Get $50 after your first purchase
  • No Pre-Set Spending Limit
  • Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008).
  • Never pay interest on new purchases
  • The Savings AcceleratorSM Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name
  • No Annual Fee for the first year - A $35 savings
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A* N/A* As low as 10.99%* None (Year 1)* N/A* Good / Above Average*

Chase Flexible Rewards™ Platinum Visa®
Chase Flexible Rewards™ Platinum Visa®
Click here to apply for the Chase Flexible Rewards™ Platinum Visa®
  • No Annual Fee
  • Earn 1 point for every dollar spent*
  • Everyday purchases turn into extraordinary rewards - merchandise, travel, cash back or gift cards.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Up to 12 months* As low as 11.24%* None* Yes* Good / Above Average*

Financial Rewards® Visa® Platinum Plus®
Financial Rewards® Visa® Platinum Plus®
Click here to apply for the Financial Rewards® Visa® Platinum Plus®
  • 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
  • Earn 5 bonus points with your first purchase.
  • Points do not expire for 5 years
  • Online Banking Service
  • Total Security Protection®
  • No Annual Fee
  • Earn points towards cash back
  • Mini Card available
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 6 billing cycles* As low as Prime + 5.99%* None* Yes* Good / Above Average*

Union Plus® MasterCard®
Union Plus® MasterCard®
Click here to apply for the Union Plus® MasterCard®
  • FREE Rewards Program designed for hard-working union members.
  • Get 2,000 bonus points after first purchase, more than halfway to a $25 Gift Card.
  • Earn 1 Point for every dollar spent anywhere
  • Earn 2 Points for every dollar spent at gas stations, grocery stores, and drug stores.
  • NO Balance Transfer Fees and APR stays FIXED until the balance is paid in full*.
  • 1.99% introductory APR on new purchases*.
  • All Calls answered in the United States.
  • No annual fee and No liability for unauthorized purchases
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99%* 6 months* As low as 12.99%* None* Yes* Good / Above Average*

IberiaBank Visa® Platinum Rewards Card
IberiaBank Visa® Platinum Rewards Card
Click here to apply for the IberiaBank Visa® Platinum Rewards Card
  • 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
  • No annual membership fee
  • 0% Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
  • No transaction fee for balance transfers
  • 25 day grace period
  • Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on balance transfers)* 6 billing cycles* As low as Prime +4%* None* Yes* Above Average / Excellent*

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