Compare Rewards Credit Cards

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If you routinely make purchases using credit, it makes sense to get a little something back every time you use your credit card. With a rewards credit card you can earn cash back, points, miles, or other options on your eligible purchases you make. Every rewards card issuer spells out its own program, such as more points for grocery store purchases or a bonus offer for qualifying new members. Look over Credit Sesame’s list to compare offers from our partners to find a rewards credit card that is right for you.

Chase Freedom Unlimited^®

3.7

163 Reviews

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Regular APR

18.99% - 28.49% Variable

Annual Fee

Credit Needed

Excellent, Good

Highlights

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

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Rates & Fees

Regular APR	Annual Fee	Credit Needed
18.99% - 28.49% Variable	$0	Excellent, Good

Capital One QuicksilverOne Cash Rewards Credit Card

3.9

832 Reviews

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Regular APR

29.74% (Variable)

Annual Fee

$39

Credit Needed

Average, Fair, Limited

Highlights

Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

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Rates & Fees

Regular APR	Annual Fee	Credit Needed
29.74% (Variable)	$39	Average, Fair, Limited

Citi Strata℠ Card

Reviews

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Regular APR

19.24% - 29.24% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Highlights

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases.
No Annual Fee

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Rates and Fees

Regular APR	Annual Fee	Credit Needed
19.24% - 29.24% (Variable)	$0	Excellent, Good

Credit One Bank^® Unsecured Visa^® with Cash Back Rewards

3.3

212 Reviews

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Regular APR

29.49% Variable

Annual Fee

$0 - $99

Credit Needed

Bad, Fair or Good Credit

Highlights

See if you Pre-Qualify without harming your credit score
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Looking to rebuild credit? We report to the major credit bureaus monthly
Free Online Credit Score and Credit Report summary, terms apply
This unsecured card requires no deposit and can help build your credit
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
Show off your personality by selecting from a variety of card designs, a fee may apply

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Regular APR	Annual Fee	Credit Needed
29.49% Variable	$0 - $99	Bad, Fair or Good Credit

First Digital Mastercard^®

3.3

37 Reviews

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Regular APR

35.99%*

Annual Fee

$75.00 1st year, $48.00 after*

Credit Needed

Poor/Damaged/Fair

Highlights

Earn 1% cash back rewards on payments made to your First Digital Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
*See Rates, Fees, Costs & Limitations for complete offer details https://images.totalcardinc.com/documents/cardholderagreement/CHA_202208FD1_1.pdf
See Cash Back Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/firstdigitalrewards.pdf

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Regular APR	Annual Fee	Credit Needed
35.99%*	$75.00 1st year, $48.00 after*	Poor/Damaged/Fair

First Access Visa^® Card

3.5

52 Reviews

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Regular APR

35.99%*

Annual Fee

See Terms*

Credit Needed

Fair

Highlights

An initial credit limit Up To $500! (See terms*)
First Access gives you 1% Cash Back – perfect credit not required!
Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
*See Rates, Fees, Costs & Limitations for complete offer details https://www.firstaccesscard.com/pdf/firstaccess_rates_fees_costs_and_limitations.pdf
See First Access Rewards Programs Terms & Conditions for details https://www.firstaccesscard.com/documents/TBOMrewards.pdf

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Regular APR	Annual Fee	Credit Needed
35.99%*	See Terms*	Fair

Citi Strata Elite℠ Card

Reviews

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Regular APR

21.24% - 29.24% (Variable)

Annual Fee

$595

Credit Needed

Excellent, Good

Highlights

For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees

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Rates and Fees

Regular APR	Annual Fee	Credit Needed
21.24% - 29.24% (Variable)	$595	Excellent, Good

About Rewards Credit Cards

Rewards credit cards allow you to earn points, miles, cash back, or other options when you spend on purchases. The amount of rewards you can earn and how varies widely from one credit card to the next.

For example, a travel rewards card may offer two points per dollar on travel but one point per dollar on all other purchases. One cash back rewards card may offer a flat 1.5% cash back on every purchase while another credit card offers 5% cash back in specific categories up to a quarterly maximum when you activate the categories. Some rewards cards have programs that change every calendar quarter, while others remain the same over time.

The rewards card you choose should sync up with your normal spending habits and the kind of rewards you prefer. If a big portion of your monthly budget goes to gas and groceries, a rewards card that offers greater rewards in those categories can net you a greater rewards balance.

Remember, annual fees and other costs diminish the value of the rewards you earn. For example, on a 1% cash back rewards card with a $59 annual fee, you’d need to make at least $5,900 in purchases each year on the credit card just to cover the cost of owning it. If you don’t think you’ll average more than $500 in purchases each month, the fee will eat up your rewards.

Rewards are only meaningful when they are redeemed. So think about how you’ll use the rewards before you choose a rewards card.

With some rewards cards, for example, you can redeem your rewards for cash back or a statement credit. While with other credit cards you can redeem your rewards towards travel, gift cards, merchandise or even donations to charity.

Some rewards cards assign an expiration date to your rewards. Others require a minimum amount of rewards before you can redeem. Understanding the rules for redemption can keep your rewards from going to waste.

First, use your rewards card strategically to maximize your rewards. Target your spending. Use the right credit card for the right purchase. You might use one credit card to pay your cell phone bill, for example, and a different one for grocery spending.

Next, use your rewards strategically. The actual value of rewards points or travel miles can vary based on the redemption. For instance, your issuer may value points or miles at one cent apiece when you redeem them for cash, but 1.5 cents apiece for travel.

Helpful Resources

Ask the Expert: Should I Close the Retail Store Card I Opened?

Dummies Guide to Disputing Credit Card Charges

When You Should Opt for Credit Over Debit

Ask the Expert: Should I Close the Retail Store Card I Opened?

Dummies Guide to Disputing Credit Card Charges

When You Should Opt for Credit Over Debit

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

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