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Evaluate top credit cards
with rewards FROM
OUR PARTNERS

The first thing most of us associate credit cards with is shopping. Many credit cards come with rewards programs and 0% intro APR on purchases, which makes such cards not only convenient for shopping but allows cardholders to benefit from this. Still, one question remains relevant. What to look for and how to choose the best card for purchases when there are so many offers around? For this, we have carefully selected only first-rate cards like the Chase Freedom® credit card and compared them in the table below. All you need to do is to look through the main features and apply for a credit card that suits you best.

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VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Excellent / Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.7
on Discover's secure website

Excellent/Good Credit 

Rating 4.7
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

REWARDS
Rewards bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.2
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
No
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Max. rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Earn 5% on travel purchased through Chase Ultimate Rewards.2
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate
1.5x Miles per dollar on all purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
Rewards on everyday purchases
Earn 1X ThankYou® Points on All Purchases
Earn 1.5% on all other purchases.2
1% unlimited cash back on all other purchases - automatically
1.5x Miles per dollar on all purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn 1 Point per $1 spent on all other purchases
1% unlimited cash back on all other purchases - automatically
Rewards expiration
Points do not expire provided your account is active and in good standing
Cash Back rewards do not expire as long as your account is open2
Rewards never expire
Rewards never expire
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months
Points do not expire provided your account is active and in good standing
Cash rewards never expire.
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (15 months on Purchases)
0% (15 months on Purchases)2
0% (14 months on Purchases)
0% Intro APR (14 months on Purchases)
N/A
N/A
0% (14 months on Purchases)
Regular APR
13.49% - 23.49% (Variable)
14.99% - 23.74% (Variable)2
11.99% - 22.99% Variable APR
11.99% - 22.99% Variable APR
13.99% – 23.99% (Variable)
15.99% - 23.99% (Variable)
11.99% - 22.99% Variable APR
Annual fee
$0
$02
$0
$0
$0
$95
$0
Foreign transaction fee
3%
3% of each transaction in U.S. dollars2
None
None
3%
0%
None

Check out
credit card WITH REWARDS
2021

Citi Rewards+® Card apply
on Citi's secure website
Rating 5.0

GREAT BONUS OFFER

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

GOOD REWARDS

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Expert's opinion

The no annual fee Citi Rewards+® Card comes with a welcome bonus offer and allows to earn 2x ThankYou® points at gas stations and supermarkets for the first $6,000 per year and then 1x points after that. All other purchases will earn unlimited 1x points. But those are not all the perks the card has to offer. It is the only card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Meaning no matter how small your purchase is, it will always earn at least 10 points.

Excellent, Good Credit

How to put a rewards
credit card TO
GOOD USE

Reap Benefits from a Rewards Program
Reap Benefits from a Rewards Program

A rewards program is the primary criterion for choosing a credit card for purchases. Points, cashback bonus or miles - that's what you can earn for buying things with your card. Good credit cards allow you to receive rewards on all purchases. In some cases, increased rewards for particular purchases or categories like grocery stores, restaurants, travel, gas, and others are additionally offered. It helps multiply your earnings and benefit even more. Besides ways of earning rewards, it is very important to understand where you can spend them later. There also may be different redemption options: cash, statement credits, travel purchases, gift cards and more. Choose a credit card with a rewards program that corresponds to your needs and spending habits.

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apply on Discover's secure website

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

Make Use of a Sign-Up Bonus
Make Use of a Sign-Up Bonus

Getting intro bonuses is the most enjoyable part of the rewards credit card use process. After all, it is always so nice and exciting to receive gifts. Conditions for obtaining a bonus may vary depending on the card. In most cases, rewards credit cards will require you to spend a certain amount in the first several months or within some other period, which is a good way to receive additional rewards for usual daily expenses. However, such type of bonus is not always as big. For instance, the Chase Freedom Unlimited℠ Credit Card will bring you only $200 bonus after you spend $500 on purchases in your first 3 months. Other cards may not offer a one-time bonus at all. Anyway, whichever shopping card you chose, try to gain from its sign-up bonus by any means.

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apply on Citi's secure website

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Take Advantage of a 0% Intro APR
Take Advantage of a 0% Intro APR

Intro 0% APR for purchases can help you save a considerable amount at the start. Especially when it comes to credit cards for purchases since you are supposed to buy a lot with them. Many cards now offer a 6, 12 or even 18 months introductory 0% purchase APR. Sometimes the same conditions apply to balance transfers. Make sure to find out if the chosen card can boast zero introductory period. It is also important to pay attention to what rate you are to expect after that period ends. But the best thing for you is to always keep in mind that paying the entire balance in full every month will save you from being charged any interests at all.

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apply on Discover's secure website

Intro APR on Purchases: 0% Intro APR (14 months on Purchases)

Ongoing APR: 11.99% - 22.99% Variable APR

Updated: Apr 11, 2021

questions ABOUT
REWARDS CREDIT CARDS

Is it worth joining Chase Ultimate Rewards? I'm looking for credit cards with travel rewards and don't know what to choose.

What is Chase Ultimate Rewards Ultimate Rewards is the Chase's rewards program that allows the cardholders of Chase Ultimate Rewards credit cards earn and redeem their Chase Ultimate Rewards points. The cards, that...

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What is a cash back credit card?

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that a percentage of the amount spent on purchases is returned to you. This percentage may differ...

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See all questions

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