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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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our choice

Rating 5.0
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 4.7
on Discover's secure website
Rating 5.0
on Discover's secure website
Rating 4.7
on Citi's secure website
REWARDS
Rewards bonus
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.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.2
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
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.
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.
No
Max. rewards
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
Earn 1.5% on all other purchases.2
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1.5x Miles per dollar on all purchases
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.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically
Earn 1.5% on all other purchases.2
Earn 1X ThankYou® Points on All Purchases
1.5x Miles per dollar on all purchases
1% unlimited cash back on all other purchases - automatically
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards expiration
Rewards never expire
Cash Back rewards do not expire as long as your account is open2
Points do not expire*
Rewards never expire
Cash rewards never expire.
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months*
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (14 months on Purchases)
0% (15 months)2
0% (15 months on Purchases)
0% (14 months on Purchases)
0% (14 months on Purchases)
N/A
Regular APR
11.99% - 22.99% Variable APR
14.99% - 23.74% Variable APR2
13.49% - 23.49% (Variable)
11.99% - 22.99% Variable
11.99% - 22.99% Variable
13.99% – 23.99% (Variable)
Annual fee
$0
$02
$0
$0
$0
$0
Foreign transaction fee
None
3% of each transaction in U.S. dollars2
3%
None
None
3%

Check out
credit card WITH REWARDS
2020

Discover it® Cash Back apply
on Discover's secure website
Rating 5.0

GREAT BONUS OFFER

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.

GOOD REWARDS

  • 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.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.

Expert's opinion

The Discover it® Cash Back is an ideal choice for those who want to get the maximum use of their credit card while shopping. Whether you prefer in-store or online shopping, this credit card will bring you unlimited 1% cash back on all purchases. What is more, Discover gives you the opportunity to expand your rewards with their 5% cash back at different places each quarter up to the quarterly maximum, each time you activate. Another reason to apply for the Discover it® Cash Back card is its exceptional sign-up bonus. Discover will match all the cash back new cardmembers have earned at the end of their first year. And the icing on the cake is the card's $0 annual fee!

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% (14 months on Purchases)

Ongoing APR: 11.99% - 22.99% Variable

Updated: Dec 03, 2020

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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