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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? To help you find the best credit card for shopping, we have carefully selected only first-rate cards like the Macy's 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 better.

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VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 2.0
Offer is not available

Excellent / Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
on Capital One's secure website

Excellent, Good Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Capital One's secure website

Average, Fair, Limited Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.5
on Citi's secure website

Excellent, Good Credit 

REWARDS
Rewards bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Open a Macy’s Card and get 25% off today & tomorrow up to a total of $100 over the two days.25
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 gives you an unlimited match of 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.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
No
For a limited time, earn 80,000 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.
No
Max. rewards
Earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
Earn up to 5% back in rewards on Macy's purchases, depending on your loyalty status.25
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
1.5x Miles per dollar on all purchases
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
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.
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
Earn 1X ThankYou® Points on All Purchases
1% back in rewards only at Macy’s, Macy’s Backstage and macys.com.25
1% unlimited cash back on all other purchases - automatically.
1.5x Miles per dollar on all purchases
1.25X Miles per dollar on every purchase, every day
Earn unlimited 1% cash back on all other purchases.
1.5% Cash Back on every purchase, every day
Earn 1 Point per $1 spent on all other 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.
Earning rewards
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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.
  • Earn up to 5% back in rewards on Macy's purchases, depending on your loyalty status.25
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Earn unlimited 1.25X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other 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. Plus, earn unlimited 1% 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
Points do not expire provided your account is active and in good standingµ
For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.25
Rewards never expire.µ
Rewards never expire.µ
Miles won't expire for the life of the account and there's no limit to how many you can earn
Your rewards will never expire as long as your account remains open.µ
Cash back doesn't expire for the life of the accountµ
Points do not expire provided your account is active and in good standingµ
Cash rewards never expire.µ
Your points will never expire as long as your account remains open.µ
Credit card usage
Use Anywhere
Use your card at Macy′s stores
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (15 months)
No intro APR25
0% Intro APR (15 months)
0% Intro APR (15 months)
0% intro on purchases (for 15 months)
0% (15 months)
N/A
N/A
0% Intro APR (15 months)
N/A
Regular APR
17.24% - 27.24% (Variable)
30.49%25
15.74% - 26.74% Variable APR
15.74% - 26.74% Variable APR
17.99% - 27.99% (Variable)
17.74% - 27.74% (Variable)
28.49% (Variable)
19.74% - 27.74% (Variable)
15.74% - 26.74% Variable APR
17.74% - 27.74% (Variable)
Annual fee
$0
$025
$0
$0
$0
$0
$39
$95
$0
$0
Foreign transaction fee
3%
N/A25
None
None
None
3%
None
0%
None
3%

Check out
credit card WITH REWARDS
2022

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

GREAT BONUS OFFER

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

GOOD REWARDS

  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
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. Some rewards credit cards require you to spend a certain amount in the first several months or in some other period, which is a good way to receive additional rewards for usual daily expenses. However, such bonuses are not always as high. Other cards offer more peculiar bonuses. Anyway, whichever rewards card you chose, try to gain from its sign-up bonus by any means.

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apply on Citi's secure website

For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

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 (15 months)

Ongoing APR: 15.74% - 26.74% Variable APR

Updated: Dec 07, 2022

questions ABOUT
REWARDS CREDIT CARDS

I love shopping, but I think I could be getting more out of it if I had a credit card that gave me rewards for all my retail therapy sessions. I just don't know which one to get. Can you help me figure out what card is right for me?

If you're a shopper, there's nothing better than having a credit card that gives you cash back or points for every purchase you make. Next time you're at the Overstock store, or Bed Bath and Beyond, or Macy's - wherever...

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I'm interested in applying for the Macy's credit card since I shop there all the time, but I am not sure how I would benefit from having their card. What are some of the benefits included with the Macy's credit card?

After being approved for your Macy's card, the first benefit you will receive is 25% off (up to a total of $100) your Macy's purchases during the first two days of opening your account. The Macy's credit card has four...

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I used to have the Macy's Visa card, but I recently found out its no longer available. I was going to apply for the Macy's Amex card, but I then found out that it doesn't include rewards aside from the Plenti points. I wanted to know, are there any cards that I can apply for that can be used to collect rewards on my Macy's shopping, even if I have limited credit?

There are currently many cards available that can be used to complete your desired needs. Considering the amount of credit cards that are available today, there is a credit card that is right for almost everyone. A good...

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REWARDS CREDIT CARDS🜂

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