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Evaluate top credit cards
with rewardsFROM
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 SoFi 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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Compare credit cards for shopping to find the best

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Compare travel credit cards to find the best

VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 3.5
Offer is not available

Excellent / Good Credit 

Rating 4.7
on Discover's secure website

Excellent/Good Credit 

Rating 5.0
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 

Rating 4.7
on Capital One's secure website

Average, Fair, Limited 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
No
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. You could turn $150 cash back into $300.
No
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 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Earn 2% unlimited cash back on eligible purchases 64
1.5x Miles per dollar on all purchases
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 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.
1% Cash Back on all purchases
Rewards on everyday purchases
Earn 1X ThankYou® Points on All Purchases
Earn 2% unlimited cash back on eligible purchases 64
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.
Earn 1 Point per $1 spent on all other purchases
1% unlimited cash back on all other purchases - automatically
1% Cash Back on all purchases
Rewards expiration
Points do not expire provided your account is active and in good standing
Rewards never expirе 64
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.
Cash back won't expire for the life of the account
RATES AND FEES
Intro APR on purchases
0% (15 months on Purchases)
No intro APR 64
0% Intro APR (14 months on Purchases)
0% (14 months on Purchases)
N/A
N/A
0% (14 months on Purchases)
N/A
Regular APR
13.49% - 23.49% (Variable)
12.99% to 24.99% Variable APR 64
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
26.99% (Variable)
Annual fee
$0
$0 64
$0
$0
$0
$95
$0
$0
Foreign transaction fee
3%
None 64
None
None
3%
0%
None
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

This card is a part of the ThankYou Rewards program, which means there are multiple options to redeem points, including travel redemptions and points transfers to participating loyalty programs. And since the card has no annual fee and a bonus offer, it will be rather easy to accumulate rewards without losing them on fees. The rewards categories are supermarkets and gas stations, which earn 2X points for the first $6,000 per year. All other purchases earn unlimited 1X 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.
  • 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, other cards do not have bonus at all. For instance, despite the SoFi card has good ongoing rewards, there is no bonus at all. 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

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: Jul 29, 2021

questions ABOUT
REWARDS CREDIT CARDS

Can I transfer a balance to the SoFi credit card from another credit card?

In general, yes, the SoFi credit card issued by Goldman Sachs supports balance transfers. But it has no 0% Intro APR period so you won't have an opportunity to save on it. Thus, we would recommend you consider the...

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Are there any alternatives to the SoFi credit card? Maybe the card with a welcome bonus? Also, 0% intro rate on purchases is what I need.

If you are looking for a credit card with a more beneficial rewards program than the Sofi credit card, then the Discover it® Cash Back credit...

Read more
What is the best credit card for rewards?

If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...

Read more
See all questions

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REWARDS CREDIT CARDS

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