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REWARD CREDIT CARDS
Traditionally, Reward Credit Cards are centered around long-term perks for years of loyalty; today card issuers are offering more and more short-term, everyday rewards. Customers can get discounts on gas, dinners, tickets, shows, and more. Some programs are designed to help pay off high-ticket items like mortgages. Others may offer an option of cash rewards toward retirement or college savings accounts.
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- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Reward Program: Up to 5% Cash Back
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- 0% intro APR on balance transfers for 15 months, then the Regular APR
- 0% intro APR on purchases for 15 months, then the Regular APR
- 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- No Employment Verifications
- No Credit Checks
- Membership is *Free
- $2,500 unsecured merchandise credit line
- Poor Credit? No Credit? No Problem
- *Guaranteed Instant Online Approval
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $2,500 on merchandise
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- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
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- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
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- Earn 10,000 Membership Rewards® 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 ticket for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
See card offer terms.
Issuer: American Express Co.
Ongoing APR: N/A; Due in full each month
Annual Fee: $125.00
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Credit Line: No pre-set limit*
Reward Program: Membership Rewards® Points
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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® 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
- No annual fee for the first year and $65 thereafter.
- Stay 2 nights and get the 3rd night free at participating Sheraton® 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.
See Card Terms and Conditions
Issuer: American Express Co.
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Annual Fee: $45, First Year Free
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: Starpoints
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- UltraVX® makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
*Subject to terms and conditions.
Issuer: New Millennium Bank
Ongoing APR: 18.90%
Total Initial Charge: $29.95
Monthly Fee: $6.95
Late Fee: $25.00
Overlimit Fee: $25.00
Cash Advance APR: 18.90%
Cash Advance Fee: $2 ($5 for International)
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Reward Program: Clear Rewards
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- Earn 10,000 Medallion® Qualification Miles (MQMs) with your first purchase, and Miles BoostsSM of up to 30,000 MQMs when you spend $60,000 in a calendar year
- Annual complimentary First-Class companion ticket with Card renewal
- Delta Sky Club™ access for you and your guests
- Check your first bag free on every Delta flight
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express
*See web site for complete terms & conditions.
Issuer: American Express Co.
Ongoing APR: 14.50% Variable
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: $450*
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Miles + Travel Benefits
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- Limited Membership
- 24-Hour Concierge Service
- Exclusive Rewards Program
- Luxury Gifts
- Patent Pending Carbon Card
- Annual Fee $495
View the terms and Conditions.
Issuer: Barclays Bank Delaware
Intro APR for Purchases: 0.00% (for 6 Months*)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
APR for Balance Transfers: 0.00% (for 6 Months*)
Balance Transfer Fee: 3% ($5 minimum) max. $50 during the Introductory Period*
Annual Fee: $495.00
Late Fee: $15-$39*
Overlimit Fee: $15-$39*
Cash Advance APR: Prime + 15.99% (Currently 19.24%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $29.00
Grace Period: At least 20 Days
Reward Program: Cashback or Miles
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- Earn entries from everyday shopping!*
- More entries mean more chances to win!
- Get 1,000 entries just for applying!
- Large Monthly Cash Jackpots!
- A New Winner Every Month!
*See web site terms and conditionsfor important rate, fee and other cost information, and limitations.
Issuer: American DreamCard
Ongoing APR: As low as 14.99%*
Annual Fee: None
Late Fee: $39.00
Overlimit Fee: $39.00
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Grace Period: 20 Days
Reward Program: Sweepstakes
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- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 12.99%-19.99%
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
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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
*See Terms and Conditions.
Issuer: BankFirst
Total Initial Charge: $9.95
Annual Fee: None*
Monthly Fee: $3.95
Reward Program: Wired Points™
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- *Guaranteed Approval!
- *Bad Credit Accepted!
- *No Employment Check!
- *Reports to a Major Bureau!
*See Complete Terms & Conditions for details.
Issuer: Horizon Card Services
Ongoing APR: 0.00%
Total Initial Charge: $35.00
Annual Fee: None
Monthly Fee: $6.00
Late Fee: $20.00
Returned Check Fee: $25.00
Grace Period: N/A
Credit Line: $500
Reward Program: Free Equifax Credit Report™
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