Point Rewards Credit Cards

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Best Credit Cards with Point Rewards from our partners

A rewards program may be a wonderful additional feature on your credit card. If you want to earn bonus points or cash rebates for purchases you make with your card, consider applying for one of these universal point rewards deals.

Charging your purchases to credit cards with point rewards you will be getting about 1 to 5% of the paid amount back in terms of cash back, with the percentage depending on the vendor and type of the purchase. You earn points at gas stations, grocery stores, merchandise - all the places you regularly shop at. What is more, points are easily redeemed for almost anything you want or you can even get cash back directly deposited into your account.

Excellent, Good Credit
Discover it® Miles
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Expert Rating:
Key Feature:
Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year. Summary of Card Features:
  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Card Features:
Intro APR on Bal. Tr.10.99% (14 months)
Intro APR on Purch.0% (14 months)
Regular APR11.74% – 23.74% Variable
Annual Fee$0
Our Expert Opinion
  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.

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Capital One® Quicksilver® Cash Rewards Credit Card
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Expert Rating:
Key Feature:
Earn unlimited 1.5% cash back on every purchase, every day Summary of Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Card Features:
Intro APR on Bal. Tr.0% intro on balance transfers for 9 months
Intro APR on Purch.0% intro on purchases for 9 months
Regular APR13.74% - 23.74% (Variable)
Annual Fee$0
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

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Excellent Credit
Citi ThankYou® Premier Card
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Expert Rating:
Key Feature:
Earn 30,000 bonus points after spending $3,000 in purchases within the first 3 months of account opening* Summary of Card Features:
  • Earn 30,000 bonus points after spending $3,000 in purchases within the first 3 months of account opening*
  • 30,000 ThankYou® Points are redeemable for $375 in airfare on any airline, anytime with no blackout dates or $300 in gift cards
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline and hotel loyalty programs
  • No Foreign Transaction Fees on purchases
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.N/A
Regular APR15.24% - 24.24% (Variable)
Annual Fee$95, waived for first 12 months*
Our Expert Opinion
  • Annual fee is waived for the first year.
  • Points do not expire.
  • No Foreign Transaction Fees.
  • Earn ThankYou points on card purchases.

  • Annual Fee: $95, waived for first 12 months*.
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Capital One® Premier Dining Rewards Credit Card
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Expert Rating:
Key Feature:
Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases Summary of Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • No annual fee
  • No foreign transaction fees
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.N/A
Regular APR15.24% - 24.24% (Variable)
Annual Fee$0
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

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Excellent/Good Credit
JetBlue Card
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Expert Rating:
Key Feature:
Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days. Summary of Card Features:
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Card Features:
Intro APR on Bal. Tr.0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Intro APR on Purch.N/A
Regular APR12.74%, 20.74% or 25.74% variable
Annual Fee$0
Our Expert Opinion
  • Earn points and redeem for JetBlue-operated flights.
  • 0% intro APR on balance transfer.
  • No foreign transaction fees.

  • Has a balance transfer fee.
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ABOC Platinum Rewards Card
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Expert Rating:
Key Feature:
0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% - 23.65%, based on your creditworthiness Summary of Card Features:
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% - 23.65%, based on your creditworthiness.
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening.
  • Unlimited Points That Don’t Expire.
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point.
  • No Annual Fee.
  • Select Your Rewards Your Way.
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.0% for 12 months
Regular APR13.65% - 23.65% Variable
Annual Fee$0
Our Expert Opinion
  • 0% intro APR for purchases.
  • Unlimited point rewards.
  • No annual fee.

  • No zero APR for balance transfers.
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PlayStation® Card from Capital One®
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Expert Rating:
Key Feature:
Earn 5,000 bonus points after your first purchase within 90 days from account opening Summary of Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on fast food restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until December 2017, 14.74% - 24.99% variable APR after that
  • No annual fee
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.0% intro on purchases until December 2017
Regular APR14.74% - 24.99% (Variable)
Annual Fee$0
Our Expert Opinion
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation

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Sony® Card from Capital One®
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Expert Rating:
Key Feature:
Earn 5,000 bonus points after your first purchase within 90 days from account opening Summary of Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until December 2017, 14.74% - 24.99% variable APR after that
  • No annual fee
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.0% intro on purchases until December 2017
Regular APR14.74% - 24.99% (Variable)
Annual Fee$0
Our Expert Opinion
  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services

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Excellent Credit
Expedia®+ Card from Citi
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Expert Rating:
Key Feature:
Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
Summary of Card Features:
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages *
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.N/A
Regular APR15.74% - 23.74%* (Variable)
Annual Fee$0*
Our Expert Opinion
  • Earn Expedia+ bonus points.
  • No annual fee.
  • Enjoy Expedia+ silver status.

  • No zero introductory period.
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Citi ThankYou® Preferred Card
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Expert Rating:
Key Feature:
Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening* Summary of Card Features:
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.24%-24.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit on the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Card Features:
Intro APR on Bal. Tr.0%* (12 months on Balance Transfers)
Intro APR on Purch.0%* intro on purchases (12 months on Purchases)
Regular APR14.24% - 24.24%* (Variable)
Annual Fee$0*
Our Expert Opinion
  • Global acceptance with Chip Technology.
  • Earn ThankYou points on card purchases.
  • Points do not expire.
  • 0% intro APR on purchases and balance transfers.

  • Balance transfer fee applies.
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Citi ThankYou® Preferred Card for College Students
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Expert Rating:
Key Feature:
Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening* Summary of Card Features:
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Card Features:
Intro APR on Bal. Tr.N/A
Intro APR on Purch.0%* intro on purchases (7 months on Purchases*)
Regular APR14.74% - 24.74%* (Variable)
Annual Fee$0*
Our Expert Opinion
  • 0% intro APR on purchases.
  • Earn ThankYou® Points on card purchases.
  • No annual fee.

  • Cash advance fee is either $10 or 5%.
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What are point rewards?

Many believe that cash is king, but that is not always true with so many rewards programs available these days. There are a lot of credit cards that offer point rewards. Point rewards are often hard to comprehend, but when you manage to do it, you may find them more rewarding in comparison with other rewards programs.

Point rewards are what credit card companies use to keep track of how much you’ve earned in rewards. Each point is usually worth one penny but it can change when you redeem your points. Often one point is worth more than a penny. Travel credit cards may offer point or miles, where miles are basically the same points but named differently.

Point rewards can be redeemed for anything but some credit card issuers offer just several redemption options. Issuers have special portals where cardholders can earn additional points or redeem them for merchandise, travel, and gift cards. Also, there are issuers that allow points transfers where you transfer your points to another rewards program or convert them into miles.

So, basically points are universal rewards and can replace miles rewards and cash back rewards. If you can manage point rewards, you can manage any rewards program.

Our Experts about Point Rewards Cards

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Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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