Best Rewards Credit Cards
Rewards credit cards let you earn cash back, free travel, or other perks when you use your card. Choose rewards you'll actually use and watch out for cards with high annual fees or interest rates.
Easily compare cards and find the best one for you. Choose the options you want and then sort and review your cards by rewards, APR, annual fee, credit score, and more. Select from dozens of the top credit cards available today.
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tips & advice
Rewards Credit Cards
Rewards credit cards allow you to earn points, cash back, airline miles, or other special awards when you make credit card purchases. Most rewards cards award you a certain number of points per dollar you spend, and then allow you to use those points towards cash rebates, airline tickets, travel, major purchases, and special offers and perks.
Start by looking at your own spending habits. Go through your bank account and credit card statements to determine in which categories you spend the most money. Decide which type of rewards you are most interested in earning. Then apply for a rewards credit card that will give you the highest rewards for how you spend money.
You will usually earn 1-2 points per dollar you spend. Many credit card issuers offer additional ways to earn 5, 10, even 15 points per dollar, such as online shopping sites and rotating bonus point deals. And make sure to look for a card with a sign-up bonus points offer!
Given the sheer number of options out there, picking a credit card can seem like an incredibly daunting task. There are so many different types of credit cards, geared to different types of consumers, knowing where the decision making process can be a real challenge. The truth is that if you keep a few important principles in mind, choosing a credit card doesn't have to be stressful ... nor does it have to be a crapshoot. So let's get started.
Know Your Credit Score Before You Apply for a Credit Card**
Knowing your credit score before you apply for a credit card is important, because particular credit cards are developed for consumers who fall within a particular credit score range. Here are the five generally accepted credit score ranges.
- Excellent Credit (750+)
- Good Credit (700-749)
- Fair Credit (650-699)
- Poor Credit (600-649)
- Bad Credit (below 599)
What this means is that someone with a credit score of 640 shouldn't be applying for credit cards meant for people with excellent credit, because he or she will likely be denied, and if you apply for too many credit cards at the same time, your credit score could suffer. Back to top.
How to Compare Credit Cards
In order to effectively compare credit cards you'll want to use a tool, like the credit card comparison tool on Credit.com, but you'll also need to know what to look for. There are a couple of key indicators.
- APR - This stands for Annual Percentage Rate and it represents how much you'll be changed for carrying a balance on your credit card. If you carry a balance of $100 for a year, and your interest rate is 10%, then you'll be charged $10. These rates vary based on your credit score. The better your score, the lower your rate is likely to be.
- Fees - Credit cards may have a number of types of fees associated with them. Annual fees, late fees, over-limit fees and loyalty fees are just a few. You'll want to make sure you understand which fees, if any, apply
- Rewards - There are lots of kinds of rewards credit cards available - cash-back rewards, mileage rewards, travel rewards and more. It's important to play close attention to the terms of the rewards programs, so you can compare them accurately.
Tips to Consider When Applying for Credit Cards
If you're not sure what your credit looks like, and, as a result, what kind of credit cards you should be applying, you can use Credit.com's free Credit Report Card for an easy-to-understand breakdown of your credit history, along with your free credit scores. If you see something that doesn't seem quite right, you are entitled to a free copy of each of your three credit reports once a year, and you can check them for inaccuracies, and ask the credit bureaus to correct them. Back to top.
*For complete information, see the terms and conditions on the credit card issuer’s website. Once you click to apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
**FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.