Reward Credit Cards

Reward credit cards let you earn something of value in proportion to how much you spend using the card. Rewards credit give you travel, gifts, memberships, and services when you spend enough every year using the card. If you are worried about inflation, reward credit cards are a great way to go because they protect you from price fluctuations in the “gift” you are earning. A certain type of watch might cost $100 now, but in 3 years will be about $129. However, if you get that watch for free when you earn at a rate of 1% and spend $1000 dollars, you didn;t have to “work” (i.e., spend any more) to keep up with inflation. In fact, if inflation keeps up (it typically does), you will spend $1000 more quickly than you might expect. That's another benefit of using one of these cards to save up for a reward.

* See the online Reward Credit Cards for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

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Discover® Student More Card

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  • 0% Intro APR on purchases for 9 months.
  • 5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus on everything else you buy.
  • No Annual Fee
  • $0 Fraud Liability

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
None0%*9 Months*13.99%-20.99%(Variable)*N/AFair Credit

Wired Plastic™ Visa® Prepaid Card

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  • Accepted everywhere VISA debit cards are accepted
  • No Credit Check, Income requirements or bank account required
  • On Demand Alerts - Manage your account via text messaging
  • FREE Online Access to Account
  • FREE Mobile Alerts - Text to your mobile and email
  • FREE Rewards Program - Earn 1 Point for every $1 spent
  • NO Bounced Check, NSF or Overdraft Charges EVER!
  • FREE Direct Deposit - Eliminate Check Cashing Fees

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
See Terms*N / AN / AN / AN / APoor Credit

Starwood Preferred Guest® Credit Card from American Express

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  • Earn up to 25,000 Starpoints - enough for up to 6 free nights at a category 1 or 2 hotel.
  • Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
  • No annual fee for the first year - then $65.
  • Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
  • Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
  • Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
No annual fee for the first year - then $652.9%2.90% on Purchases and Balance Transfers for 6 months15.24% variableYesN / A

Blue Sky from American ExpressSM

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  • No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
  • Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
  • Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
  • Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
None0.0%0% on Purchases for 6 months17.24%-21.24% VariableYesN / A

American Express® Gold Card

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  • Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
  • The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining 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 60 seconds.

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
$125N / AN / AN / AN / AN / A

The Platinum Card® from American Express

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  • Earn 50,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership
  • Get up to $200 in Airline Fee Credits annually to cover incidental fees with your favorite airline
  • Airport Club access for you and your guests
  • Platinum Card® Concierge is at your service 24/7 to help with gift buying, reservation making, and more
  • FINE HOTELS & RESORTS program offers special upgrades and amenities at more than 600 locations worldwide

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
$450.00N / AN / AN / AN / AN / A

American Express(R) Premier Rewards Gold Card

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  • Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership
  • Build up Membership Rewards® points fast - earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
  • No annual fee for your first year of Card membership; then $175
  • Use Pay with Points at American Express Travel and fly any airline, anytime, anywhere, with no blackout dates or seat restrictions

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
First Year Free, then $175 annual feeN / AN / AN/AN / AN / A

Miles by Discover® Card-

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  • 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
  • 1 Mile per $1 on every purchase
  • Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
  • No limit on the Miles you earn and Miles don’t expire*
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Use Miles for travel, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months then the regular APR of 10.99% - 16.99% (V)
  • No Annual Fee, No Overlimit Fee, No Redemption Fee

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
$0*0%*6 months*10.99%(V)YesGood Credit

Escape by Discover® Card-

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  • 25, 000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
  • 2 Miles per $1 on all purchases
  • No limit on the Miles you earn and Miles don’t expire*
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Use Miles for travel, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months than the regular APR
  • Industry Leading Customer Service
  • Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
$60*0%*6 months*10.99%(V)YesExcellent Credit

Ink Bold(SM) with Ultimate Rewards

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  • Earn 25,000 bonus points after your first purchase
  • No limit to the number of points you can earn – and points never expire
  • Over 45,000 bonus points every year redeemable towards flights and just about anything else!
  • No interest expense and up to 30 days to pay with this pay-in-full charge card
  • First year free ($95 value)*

Annual Fee Intro APR Intro APR Period Regular APR Balance Transfer Credit Quality
$95N / AN/AN / AN / AExcellent Credit
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News and Advice

Current Interest Rates

  • Update: 02-04-2012
  • 12.65% National Average
  • 12.88% Low Interest
  • 23.00% Reward
  • 12.99% Student
  • 12.99% Bad Credit
  • 17.33% Business
  • 14.49% Cash Back
  • 14.49% Instant Approval

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