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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.

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Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

SPECIAL CREDIT CARD OFFER in July 2021

MAXIMIZE YOUR REWARDS

Rating 4.4

  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels

80,000 bonus ThankYou® Points

Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

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

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

Foreign Transaction Fee: 0%

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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Apply for Discover it® Miles - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (14 months on Purchases)
Intro APR on Balance Transfer
10.99% Intro APR (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • 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.
  • 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.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.

our choice

Rewards Bonus

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.

Rewards

Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

Redemption Options

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.

Redeem Miles to pay any part of your monthly bill, including your minimum payment.

Rewards never expire

0% Intro APR on Purchases

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

Ongoing APR on Purchases:
11.99% - 22.99% Variable APR

Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • 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 for 15 months from date of first transfer and on purchases from date of account opening. 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

15,000 ThankYou® Points

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

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.

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months on Purchases)

Intro APR on Balance Transfers:
0% (15 months on Balance Transfers)

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$95
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 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
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 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

80,000 bonus ThankYou® Points

Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

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

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

Foreign Transaction Fee: 0%

Citi Rewards+® Card

Excellent, Good Credit
Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

GOOD REWARDS OFFER
TO GET IN July 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.
See more details

questionsABOUT
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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How to redeem credit card reward points?

Figuring out how you can use the credit card points you've earned so you're not wasting them can be confusing. Points can be converted into cash, transferred to loyalty programs, used to buy airline tickets, hotel...

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What is a rewards card?

Broadly speaking, a rewards card is a card that gives incentives (points, miles or cash back) for the amount of money you spend with the card. Rewards cards can be co-branded or they can be general use cards issued by a...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

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.

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commentsABOUT
CREDIT OFFERS WITH POINTS REWARDS

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