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How to choose between different
rewards credit cards?

If you are thinking about getting a new credit card with rewards like the Tomo Credit Card, but have some doubts about it, you are in the right place. We will show you why some cards are not the cards you would want to have in your pocket and which card is better to have instead. You will see how a general cash back credit card can help you save more on all purchases.
Tomo Credit Card

The Tomo credit card might not be the best option if you are after rewards

Here we are comparing basic features of two credit cards. As an example, we took the Tomo card and a time-proven credit card with rewards and compared them. This simple side-by-side comparison can help you understand which card is worth applying for. Look at the reasons why the Tomo card might not be the best choice.

OPTION 1

our choice
on Discover's secure website
Fair/New to Credit

OPTION 2

Tomo Credit Card
Tomo Credit Card
Any Credit

REASON 1: NO SIGN-UP BONUS

The Tomo credit card comes with no sign-up bonus at all. Most general rewards credit cards, on the contrary, typically can boast rather significant welcome offers. If you check out welcome bonuses of other credit cards, you can easily find a credit card with a sign-up bonus of $100 or even higher.
REWARDS BONUS
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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
No bonus offer176

REASON 2: POOR REWARDS

The Tomo card offers 1% cash back on purchases. At the same time, other rewards cards can offer you various rewards options during the entire period of using the card. You can choose to earn fixed cash back on all purchases or find a credit card with categories that earn elevated rewards. Moreover, rewards credit cards will always allow you to earn the basic 1% or 1 point on all purchases.
REWARDS
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Earn 1% cashback on all your purchases.176

REASON 3: LIMITED REDEMPTION OPTIONS

Even if you earn unlimited rewards with the Tomo credit card, your redemption options will be limited. Regular rewards credit cards give more flexibility here. Many allow redeeming rewards as cash deposited to your bank account or simply cover any purchase with rewards.
REWARDS REDEMPTION
Redeem cash back any amount, any time.
See terms176
Rewards never expire
See terms176

REASON 4: A CHARGE CARD

The Tomo credit card is not a traditional credit card, but a charge card. That means it charges no interest but will require you to pay your balance in full each month. If you fail to do so, your card will be blocked.

Rewards credit cards give more freedom here. They allow you to have a revolving balance that you can pay off over time. Regular credit cards can come with low interest rates and even with 0% intro APRs on purchases for a year on average. Still, rewards credit cards are not the credit cards you would want to carry a balance on as interest you pay will eat all the rewards you earn. However, anything can happen, and knowing that your card won't be blocked when you can't pay off the entire balance, will help you feel more confident about the future.
REGULAR APR
12.99% - 21.99% Variable APR
*See Terms
0%176
ANNUAL FEE
$0
No176

Our choice for
online shopping 2021

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit
A great all-inclusive credit card for students. For no annual fee students get a zero promotional rate on purchases, increased cash back in rotating categories, free credit score from Experian every 30 days, statement credits for good grades for up to five years, and no APR change for paying late. Not many student cards can boast such benefits.
Rewards Bonus
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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Rewards
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Popular credit cards for
online shopping

Apply for Discover it® Student chrome - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

Rewards Bonus

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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Redemption Options

Redeem your rewards for cash in any amount

Your cash back never expires

0% Intro APR on Purchases

Intro APR on Purchases:
0% (6 months on Purchases)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

Rewards Bonus

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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

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.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases

Intro APR on Purchases:
0% (6 months on Purchases)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Apply for Upgrade Visa® Card with Cash Rewards - Credit-Land.com

Rating 3.8

APPLY
Excellent, Good, Fair, Average Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
8.99%-29.99%
Balance Transfer Fee
N/A
Annual Fee
$0
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Annual Fee: $0

Foreign Transaction Fee: $0

Use this card everywhere Visa cards are accepted

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (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
  • 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.
  • 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.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

Rewards Bonus

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.

Rewards

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.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases and Balance Transfers

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

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing 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)*

WANT TO EARN REWARDS ON GROCERIES?
SEE REWARDS CREDIT CARDS FOR GROCERY SHOPPING
SEE OFFERS

Best cards for shopping
for bad or no credit

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY
Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Guaranteed Approval
No
Instant Response
Yes
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Principal Platinum - Credit-Land.com

Rating 3.5

APPLY
Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Instant Response
Yes
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Reflex Mastercard® - Credit-Land.com

Rating 3.7

APPLY
Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Guaranteed Approval
No
Instant Response
Yes
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

questions ABOUT
REWARDS CREDIT CARDS

Is it worth applying for the Tomo credit card? I want to start my credit and haven't used credit cards before.

The Tomo credit card is a charge card, which means you will have to pay the card balance in full each month. Also, while you don't have to have a credit history to apply for the card, you will need at least one bank...

Read more
Will I get some rewards bonus if I apply for Tomo credit card?

Unfortunately, the Tomo credit card doesn't offer any sign-up bonus. It only allows to earn cash back on purchases. If you want to earn a considerable amount of rewards at once by obtaining sign-up bonus, check rewards...

Read more
What is a cash back credit card?

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that a percentage of the amount spent on purchases is returned to you. This percentage may differ...

Read more
See all questions

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Updated: January 26, 2021

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