Point Rewards Credit Cards 2018

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Best Credit Cards with Point Rewards from our partners

A rewards program may be a wonderful additional feature on your credit card. If you want to earn bonus points or cash rebates for purchases you make with your card, consider applying for one of these universal point rewards deals.

Charging your purchases to credit cards with point rewards you will be getting about 1 to 5% of the paid amount back in terms of cash back, with the percentage depending on the vendor and type of the purchase. You earn points at gas stations, grocery stores, merchandise - all the places you regularly shop at. What is more, points are easily redeemed for almost anything you want or you can even get cash back directly deposited into your account.

Cards of July 2018
Travel & Airline
Mastercard
Visa Cards
Excellent, Good Credit
:
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Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
10.99% (14 months)
13.74% - 24.74% Variable
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
16.24% - 24.99% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 16.24%-24.99% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-24.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.24% - 25.24%* (Variable)
$95, waived for first 12 months*
CARD DETAILS:
  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 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
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Good - Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
11.65% - 27.65% Variable
$0
CARD DETAILS:
  • Earn 2X points per dollar spent on gas and dining with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.24% - 25.24%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
11.65% - 27.65% Variable
$0
CARD DETAILS:
  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X point for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.74% - 24.74%* (Variable)
$0*
CARD DETAILS:
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.00% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 7 months on Purchases*
N/A
16.24% - 26.24%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% - 26.24% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
10.99% (14 months)
13.74% - 24.74% Variable
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.24% - 25.24%* (Variable)
$95, waived for first 12 months*
CARD DETAILS:
  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 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
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.74% - 24.74%* (Variable)
$0*
CARD DETAILS:
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.24% - 25.24%* (Variable)
$95, waived for first 12 months*
CARD DETAILS:
  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 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
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.24% - 25.24%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.74% - 24.74%* (Variable)
$0*
CARD DETAILS:
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.00% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 7 months on Purchases*
N/A
16.24% - 26.24%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% - 26.24% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Good - Excellent Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
11.65% - 27.65% Variable
$0
CARD DETAILS:
  • Earn 2X points per dollar spent on gas and dining with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

What are point rewards?

Many 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. 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. Travel credit cards may offer point or miles, where miles are basically the same points but named differently.

Point rewards can be redeemed for anything but some credit card issuers offer just several redemption options. Issuers have special portals where cardholders can earn additional points or redeem them for merchandise, travel, and gift cards. Also, there are issuers that allow points transfers where you transfer your points to another rewards program or convert them into miles.

So, basically points are universal rewards and can replace miles rewards and cash back rewards. If you can manage point rewards, you can manage any rewards program.

See also Credit Cards for:

Excellent Credit
750-850
Credit Score
Good Credit
700-749
Credit Score
Fair Credit
640-699
Credit Score
Bad Credit
350-639
Credit Score

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