Point Rewards Credit Cards March 2019

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TOP POINT REWARDS CREDIT CARDS FROM OUR PARTNERS

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.

Capital One® Savor® Cash Rewards Credit Card
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REWARDS:

Bonus:

$500 Cash Back after you spend $3000 on purchases within 3 months from account opening

You can redeem cash back for any amount

Earning Rewards:

  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

16.74% - 25.74% (Variable)

Annual Fee:

$0 intro for first year; $95 after that

Balance Transfer Fee:

$0

Foreign Transaction Fee:

None

Citi Premier℠ Card
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REWARDS:

Bonus:

Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com

Earning Rewards:

  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

16.74% - 25.74% (Variable)

Annual Fee:

$95, waived for first 12 months

Balance Transfer Fee:

3% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

0%

Discover it® Miles
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REWARDS:

Bonus:

INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!

Redeem your Miles as a statement credit towards travel purchases.

Earning Rewards:

  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
APRs & FEES:

Intro APR on Purch.:

0% (14 months)

Intro APR on Bal. Tr.:

10.99% (14 months)

Ongoing APR:

14.24% - 25.24% Variable

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Citi Rewards+℠ Card
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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

Earning Rewards:

  • Introducing the New 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 Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
APRs & FEES:

Intro APR on Purch.:

0% 12 months on Purchases

Intro APR on Bal. Tr.:

0% 12 months on Balance Transfers

Ongoing APR:

15.74% - 25.74% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

3% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

3%

Capital One® SavorOne℠ Cash Rewards Credit Card
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REWARDS:

Bonus:

$150 Cash Back after you spend $500 on purchases within 3 months from account opening

You can redeem cash back for any amount

Earning Rewards:

  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

16.24% - 26.24% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Capital One® Quicksilver® Cash Rewards Credit Card
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REWARDS:

Bonus:

$150 Cash Back after you spend $500 on purchases within 3 months from account opening

No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Earning Rewards:

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

16.24% - 26.24% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
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REWARDS:

Bonus:

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Earning Rewards:

  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
APRs & FEES:

Intro APR on Purch.:

0% for 12 months

Intro APR on Bal. Tr.:

0% for 12 months

Ongoing APR:

15.15% - 25.15% Variable

Annual Fee:

$0

Balance Transfer Fee:

3% of each balance transfer (minimum $5)

Foreign Transaction Fee:

3% of transaction amount

Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
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REWARDS:

Bonus:

Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

Earning Rewards:

  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
APRs & FEES:

Intro APR on Purch.:

0% for 12 months

Intro APR on Bal. Tr.:

0% for 12 months

Ongoing APR:

11.50% (V)

Annual Fee:

$0

Balance Transfer Fee:

3% of each balance transfer (minimum $5)

Foreign Transaction Fee:

3% of transaction amount

Citi Rewards+℠ Student Card
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REWARDS:

Bonus:

Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com

Earning Rewards:

  • Introducing the New Citi Rewards+ Student 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 Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
APRs & FEES:

Intro APR on Purch.:

0% 7 months on Purchases

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

16.74% - 26.74% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

4% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

3%

Related User Questions:

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 stays, gift cards or merchandise....
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If I get the card that you use for rewards for travel, can I pay off my cruise with the card, and get reward points for...
Yes, you can pay off your cruise with a travel rewards credit card and earn rewards for that. For example, if you put that $2,000 on the Discover it® Miles, you will earn 3,000 miles ($2,000 * 1.5 miles). And since the first-year miles...
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How do Reward points credit card work?
Credit card points are one of the three main types of credit card rewards, other types are cash back and miles. Major credit cards look forward to having their consumers use their cards often, this is done by giving customers reward points every...
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Ask Your 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 penny 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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