Find the best rewards credit cards

The best rewards credit cards usually have higher interest rates, so they are not for everyone, but for the right customer who pays their balance on time it can be one of the best options to take. You can redeem cash, gift cards, merchandise, and travel once you build enough rewards. One thing to keep in mind for credit card rewards is that on some cards they can expire, so make sure to check the terms before signing up. Also, keep in mind that some of the cards can be deactivated because of inactivity, and this means points lost. In short, it is best to considering the type of credit card holder you are and see if you will benefit enough if at all from a rewards credit card.

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Why choose a rewards credit card?
The main reason to choose this card is if you make many purchases that you want to earn credit card points with. Doing so will earn you extra free items and services that you won’t be able to get with any other cards. These cards, although usually coming with high fees, are great to earn rewards at the end of the quarter or year once you’ve built up enough points. In the long run it is definitely a worthy investment if you are an active buyer.
What is a rewards credit card?
A rewards credit card is a type of card that offers you valuable points for making purchases at selected locations. Each type of card has specific rules that allocate points to your account when you buy items or services. These points can then be redeemed for rewards. Typically, most card holders use them to purchase flights of vacation destinations, others use them to get other products such as clothing, bags, and electronics.
What kind of card can I get?
If you make many purchases at locations where these cards are accepted you are definitely a right fit for this card. If you want to earn points and get free travel, tickets, goods, and services then this card is for you. Make sure that you watch out for the fees and other catches that are attached with these cards and ensure that it is worth it for you in the long run.
What are the pro’s & con’s?
The upside of this card is that you will earn rewards and can redeem them for many amazing products and services. It is also a great way to build up your credit further, but usually requiring good or above credit for the best cards and rewards programs. On the downside you might face many fees and high ongoing APR that non-rewards cards do not have.

Rewards Top 2

Capital One ® VentureOne ® Rewards Credit Card

The Capital One ® VentureOne ® Rewards Credit Card has great introduction bonuses such as a one-time bonus of 20,000 miles once your spend $1,000 on purchases within the first 3 months which is equal to $200 in travel. Also, if you love to travel the card has no foreign transaction fees, the miles don’t expire and there is no limit on how many you can earn.

Customer Reviews

The Capital One VentureOne card was one of the first cards I looked at when I was searching for a card that would reward air miles. The initial bonus of 20,000 miles if you spend 1000 within the first 3 months immediately drew my eye, as I was fairly certain I’d be able to easily hit that amount and get the free miles. The 0% APR for the first year and the absence of an annual fee cemented it for me, and I immediately applied and was approved. I was able to hit the threshold to earn my bonus miles within the first 3 months, and they were awarded quickly and with no fuss. I’m very happy with this card so far and use it all the time, racking up the miles. It’s great.

I have had this card for about a year. Was easy to apply for. I have had a few problems. When I needed a replacement card a little while back took over a week to receive. Also Capital one calls often trying to push more products. Their security seems go though. I had some fraudulent charges they took care of for me.

Expert Opinion

New cardmembers of the Capital One ® VentureOne ® Rewards Credit Card can receive amazing travel benefits, including 20,000 bonus miles if you spend $1,000 within the first three months. These miles translate into $200 worth of travel purchases that you can use towards hotel and plane ticket expenses. These bonus miles don’t expire as long as your credit card account stays active.

International travelers do not have to worry about paying a foreign transaction fee on their purchases, as there are no foreign transaction fees. There’s no annual fee. The VentureOne Card can be used on travel discount websites, such as Kayak, and users get to choose which airline they want to fly on instead of being restricted to just one.

Chase Freedom®

The Chase Freedom® is a great option if you love earning cash back and getting bonuses when you meet purchase requirements. For starters new Cardmembers can earn $150 bonus after you spend $500 on purchases in your first 3 months from account opening. There is a 0% intro APR for 15 months on purchases and balance transfers. To make things even better you get unlimited 1% cash back on your purchases.

Customer Reviews

I love this card, because it has great rewards program. The best part about the rewards is that I can use online at amazon. Also, first card I have that gave me more than a year of 0% APR. Another nice thing about the card is the website and the mobile version of it. Most cards when you pay the amount due after it’s processed it doesn’t show online that you have $0 due, but Chase freedom after making the payment shows that $0 is due. This is good , because sometimes I pay , but a week later I might forget and check to see if I have or not paid.

Although I don’t use this card very much anymore due to trying to get out of credit card debt, I was impressed with the service I received. During a time of severe financial hardship, I got behind on all my cards. Once I was able to find a job again, I attempted to get caught up. This proved to be difficult, because each month, each of my cards would charge a late fee of around $35. Chase was no exception. However, unlike all the other companies, after I had made 2 or 3 on time payments, even though I was still behind by a few months, Chase declared my account current and stopped charging late fees provided I made the minimum payment on time! I usually don’t care for Chase, but in this case I was exceptionally pleased!


The Chase Freedom credit card offers a way that you can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. There are new 5% categories every 3 months such as gas stations, restaurants, and select grocery stores. And automatic unlimited 1% cash back on all other purchases. Cash Back rewards never expire as long as your account is open and there is no annual fee.

This card offers new Cardmembers 0% introductory APR on their purchases and balance transfers for the first 15 months. After that, the variable APR will range from 13.99% – 22.99%. There is no annual fee and all of the cash back rewards you earn will never expire as long as you keep your account open.

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Related Credit Card Options

Pre-paid Credit Cards

The pre-paid credit card is a great way to start your credit experience if this is your first time getting a credit card or if you want to be able to weild a powerful card for online purchases or other locations that only accept credit.

Secured Credit Cards

Secured credit cards are your best option if you are in need of rebuilding your poor credit score or this is your first time in the credit area and are looking to get started from scratch. The chances of being accepted are relatively high, even with no credit history.

Business Credit Cards

If you run a small, medium, or even large enterprise you will be in need of a business credit card. These cards play by different rules and are really useful for purchasing business related products and services. In return ou will get great rewards and other incentives.

Cash Back Credit Cards

Cash back credit cards are a great way to earn more on your every day purchases while also being able to redeem cash at checkout. Not only will it save you trips to the ATM machine but you will be able to also experience other great perks such as a lower interest rate and annual fee in certain cases.

Low Interest Credit Cards

If you have been paying your balance on time, and you are sitting a good or excellent credit score rating then you are likely eligible for a low interest credit card. These are credit for paying off debt and making expensive purchases as they will allow you more time to pay back the debt.

0 APR Credit Cards

If you are doing a balance transfer or are looking to make expensive purchases then a 0% APR card is the right choice for you. The introductory rate usually lasts anywhere between 6 months to 18 months depending on the issuer and is a great way to buy and save.

Help: Choosing the best rewards credit card

Rewards credit cards are becoming more popular amongst consumers. Credit card companies have designed rewards credit cards as a way to give consumers an extra incentive to spend more money in exchange for points. After you get enough points saved up, you can make purchases with them or exchange them for cash. There are numerous types of rewards credit cards that you can choose from. For example, the general rewards credit card is one that lets you shop through an online catalogue and make purchases with your points on there. These online catalogues usually contain smaller items that you can purchase with points, such as gift cards, personal accessories, coupons, electronics, jewelry and other small products. The idea is that the more money you spend, the more points you will save up and the better products that you can buy with those points. So if you are someone who is just looking to get a few simple rewards without having to spend a lot of money, then you might want to just go with the general rewards credit card.
Now most types of rewards credit cards are great for people who regularly use credit cards to make purchases. But if you are someone just looking to obtain a spare credit card that you want to use for emergency purchases only, then you should choose a different kind of credit card because you won’t earn that many points. Not only that, but you could end up losing your rewards credit card if you have long periods of inactivity. Credit card companies want to see people frequently using their rewards credit card, so if you don’t then they will likely terminate your card and then you will lose all of the points you did accumulate. Therefore, only take out a rewards credit card if you are going to make a lot of purchases with it or if your card doesn’t punish you for inactivity. Check out the terms of your credit card plan before applying just to make sure you choose the right one for you.
As for those who are still interested in using their rewards credit cards to make purchases consistently, there are three great rewards credit cards that you should consider for earning points. The first is the classic cash-back credit card, which allows you to earn one or more points for every dollar you spend. Then you can convert those points into real cash. Most credit card companies will give customers one penny per point. So if you were to make $10,000 worth of purchases on your cash-back rewards card, then you would end up getting $100 back. As you can see, it would take a lot of spending to earn any real money through this particular card program.
Another great rewards credit card is the cobranded credit card. This is basically a credit card that is affiliated with another company, usually airlines or hotel companies. The idea is that you earn points for every dollar you spend, but you can only spend the points with these particular companies. They may call it a loyalty program where you can exchange your points for discounts on airfare or hotel rooms while you travel. The great thing about these loyalty programs is that your credit card points will have more value with these companies than they would with the cash back programs. Plus they have extra perks attached to the credit card, such as free checked bags, priority boarding and elite status. So if you are a frequent traveler then a cobranded credit card is definitely going to be for you. Of course, the downside is that you can only use the points towards the services of these companies. You also have to work around the availability of the awards and the change in their programs. For example, some loyalty programs may not let you use your points for just any flight. They may put restrictions on it that will limit your travel options if you do use the points.
Finally, there is the rewards credit card with a transferable points program. This is kind of like a hybrid of the cash-back credit card and cobranded credit card. You can earn points for each dollar you spend and then redeem those points with airline and hotel loyalty programs just like the cobranded credit card. On the other hand, if you would rather exchange your points for cash then you can do that as well. That way if you are not necessarily a frequent traveler all year round then you can turn your extra points into cash instead of letting them go to waste by not traveling. However, these credit cards tend to charge an annual fee to its users. If the number of points you earn doesn’t outweigh the amount of your annual fee then it will be a waste of money.
Therefore, what is the best rewards credit card to choose? The answer to this question will be different for everybody. You have to weigh in your spending habits and your traveling habits more than anything. Frequent spenders and frequent flyers will benefit the most. Everyone else should choose the general rewards card and make smaller purchases with them.

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