Reward Points Credit Cards
Reward Points credit cards allow you to earn reward points to apply towards travel, shopping, entertainment or charity. Though these may require considerable spending before rewards can be used, if you pay your bill in full each month you'll avoid interest, and generally come out ahead.
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| - 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.
- Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership
- 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
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
- No annual fee for your first year, a savings of $175
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $175 | Excellent |
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| - Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners.
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at 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(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 15.24% | $45 | Excellent |
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| - The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping and entertainment rewards.
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $125 | Excellent |
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| - Points: Earn 1 point for every $1 in net retail purchases.
- Rate: Low introductory APR
- Contribution: From 2009-2011, Bank of America is guaranteeing a minimum of $1,950,000 and a maximum of $2,700,000 to Susan G. Komen for the Cure in connection with this program (the program involves a number of different financial service products). Visit komen.org/bankofamerica for details
- WorldPoints® rewards: You may redeem points for cash, travel with no blackout dates, hotel rewards, car rentals, brand name merchandise, gift certificates and more
- Rewards start at: 2,500 points
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Earn Membership Rewards® points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards.
- 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
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $25 | Excellent |
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| - Earn 1 point for every dollar you spend.
- 0% Intro APR for 6 months on purchases
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24-21.24% | $0 | Excellent |
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| - The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel.
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- Events - access to exclusive, once-in-a-lifetime events
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $450 | Excellent |
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| - 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | None* | Excellent |
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| - Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now.
- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds.
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 15.24-19.24% | $0 | Excellent |
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| - Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.9% (V)* | None* | Good |
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| - Over $1.1 million awarded to date.
- Earn entries from everyday shopping for the monthly drawing.*
- Large monthly cash jackpots!
- Get 1,000 entries just for applying!
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99-21.99%(V) | $0
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$59 | Good - Fair |
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| - Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
- 0% APR* on purchases for 6 months if you qualify based on your application and credit history*
- Earn 1 ThankYou Point® for every dollar you spend on all other purchases
- Earn up to 2,000 ThankYou Points® twice a year for maintaining a good GPA
- Redeem points for gift cards, travel, electronics, music and more
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24% - 21.24%(V) | $0 | Excellent - Good |
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| - Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services.
- 0% APR* on purchases for 6 months
- Earn 3 ThankYou Points® for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou Point® for every dollar spent on other purchases
- Additional cards for employees with credit limits you set
- No annual fee
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.99%(V) | $0 | Excellent |
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| - Earn 13 points per $1 on qualifying hotel stays.
- Rewards: Travel, resort vacations, gift certificates, dining, merchandise, auto rentals and more
- Points: 2 points for every $1 in retail purchases and up to 13 points per dollar for qualifying hotel stays
- Points limit: None
- Points expire: 4 years
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Earn triple points on gas, grocery and drug store purchases for your first 6 months.
- Redeem rewards for a check, statement credit, direct deposit or pay down your eligible Bank of America® mortgage
- Points Value: 1 point per $1 in retail purchases and 3 points for every $1 spent on gas, grocery and drugstore purchases for the first 6 months
- Rewards start at: 2,500 points
- Points limit: None
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Points: 1 point per $1 in retail purchases.
- WorldPoints® rewards: Cash, unrestricted travel, hotel benefits, car rentals, merchandise, gift certificates and more
- Ultimate Access™ rewards: Unique experiences, sports memorabilia, marquee events and more
- Rewards start at: 2,500 points
- Points limit: None
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Points: 1.25 points per $1 in retail purchases.
- WorldPoints® rewards: Cash, unrestricted travel, hotel benefits, car rentals, merchandise, gift certificates and more
- Ultimate Access® rewards: Unique experiences, sports memorabilia, marquee events and more
- Rewards start at: 2,500 points
- Points limit: None
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Travel rewards - cardholders who enroll in the program receive one point per net dollar spent.
- Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 9.25% | $0 | Excellent |
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| - 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
- 3,500 bonus points after $250 in purchases are made within 3 months of account opening
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening
- 0% APR for 6 months on purchases
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24%(V) | $0 | Excellent - Good |
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