Rewards Credit Card Offers from Our Partners

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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.
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About Rewards Credit Cards

How a rewards credit card works

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.

Choosing the right rewards card

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.

Claiming 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.

Maximizing your rewards

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.

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 on the "Apply Now" button, 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.
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.
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