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Best Credit Cards with
point rewards FROM
OUR PARTNERS
Charging your purchases to credit cards with point rewards you can get from 1% to 5% of the paid amount back in the form of points, with the percentage depending on the credit card and the type of a purchase. You can earn points at gas stations, grocery stores, merchandise - all places you regularly shop at. What is more, points are easily redeemed for almost anything you want, and you can even get cash back directly deposited into your account.
SPECIAL CREDIT CARD OFFER in January 2021
MAXIMIZE YOUR REWARDS
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- NEW! Earn 3 Points at Restaurants and Supermarkets
- Earn 3 Points at Gas Stations, Air Travel and Hotels
Best Credit Cards with Point Rewards
Point rewards are probably the most commonly used type of credit card rewards. They are easy to earn and redeem. Point rewards are usually offered by co-branded credit cards, like airline credit cards, hotel credit cards and department store credit cards. Here you will find the best point rewards credit cards offered by our partners.
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our choice
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- 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
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- 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.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- 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.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
our choice
our choice
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- NEW! Earn 3 Points at Restaurants and Supermarkets
- Earn 3 Points at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- NEW! Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
our choice
our choice
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- No Foreign Transaction Fee
our choice
Citi Rewards+® Card
GOOD REWARDS OFFER
TO GET IN January 2021
- 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.
HAVE DIFFERENT CREDIT HISTORY?
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questionsABOUT
REWARDS CREDIT CARDS
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 moreHow many points will i get with the mercedes benz credit card?
The card offers increased rewards for selected purchases and 1 point for all other purchases. For example, it offers 5X points on select Mercedes-Benz purchases, 3X points on gas stations, 2x points at restaurants and 1...
Read moreHi, I am currently interested in applying for the Hot Topic credit card, so I can collect points on my Hot Topic clothing purchases, but I am not sure if the card is worth adding to my wallet. Is there any other way for me to collect rewards on my Hot Topic purchases?
Yes, there is. Aside from the Hot Topic Guest List credit card, Hot Topic's frequent shoppers also have the ability to collect rewards by joining the Guest List loyalty program. What's great about the Guest List loyalty...
Read more
What Are POINT
REWARDS
Many people 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. One dollar usually earns one point, but some credit cards allow to earn more than one point in specific shopping categories. 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 but depending on the redemption option it may even be less than one cent. Travel credit cards may offer points or miles, where miles are basically the same points but named differently.
If you want to earn more points or short of points needed to book an award ticket, you can use special portals to earn more points or buy points you need. These portals can also be used to redeem earned points at better value.
Point rewards can be redeemed for anything but some credit card issuers offer just several redemption options. Common redemption option are gift cards, travel, shopping, merchandise, statement credits and cash back. The highest point value is given in travel purchases, statement credit or gift cards. The point value usually depends on the type of the card. Thus, if it is a travel credit cards, travel redemptions will have the highest value.
Another good feature of points is that you can transfer them. Some issuers allow points transfers to another rewards programs or allow to convert them into miles. Cardholders are usually allowed to transfer points at 1:1 ratio, but sometimes you may be offered better or worse options. Another thing to know about points transfer is that you can be charged a fee for the transaction.
Basically, points rewards are universal rewards and can replace miles rewards and cash back rewards. If you can manage point rewards, you can manage any rewards program.
commentsABOUT
CREDIT OFFERS WITH POINTS REWARDS
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