ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Top 5 December 2022 rewards credit cards

We can hardly imagine ourselves applying for a credit card without rewards. With the best rewards programs, we can save on shopping, jump-start a vacation fund, or simply use earned rewards to pay off the card balance. You can choose to earn points, miles, or pure cash back rewards based on your goals and needs. When you know what you want, you will find the right credit card for you. With the best rewards credit cards from our partners, you can add more value to the rewards you earn.

Show more
Note that these offers are for GOOD & EXCELLENT credit only. For lower credit score offers click here

#1 credit card

#2 credit card

#3 credit card

#4 credit card

#5 credit card

Discover it® Cash Back Discover it® Miles Capital One VentureOne Rewards Credit Card Capital One Venture X Rewards Credit Card Citi Rewards+® Card
apply apply apply apply apply
on Discover's secure website
on Discover's secure website
on Capital One's secure website
on Capital One's secure website
on Citi's secure website
Bonus Offer
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.
UNLIMITED BONUS: Only Discover gives you an unlimited match of 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 a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Earning Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Earn unlimited 1.25X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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.
Intro APR on Purchases
0% Intro APR (15 months)
0% Intro APR (15 months)
0% intro on purchases (for 15 months)
N/A
0% (15 months)
Ongoing APR
15.74% - 26.74% Variable APR
15.74% - 26.74% Variable APR
17.99% - 27.99% (Variable)
19.99% - 26.99% (Variable)
17.24% - 27.24% (Variable)
Annual Fee
$0
$395
$0
apply apply apply apply apply
on Discover's secure website
on Discover's secure website
on Capital One's secure website
on Capital One's secure website
on Citi's secure website

What are
rewards credit cards?

A rewards credit card is one that lets you earn points, miles or cash back from every dollar you spend on purchases. The number of rewards you can earn per dollar spent can vary depending on the type of credit card you have. There are cards that offer fixed rewards no matter what you buy or where you shop. However, many credit cards come with reward programs that allow you to earn elevated rewards in different shopping categories like travel, department stores, grocery, restaurants, or other categories.

Those are everyday rewards (rewards you earn for your everyday expenses). Rewards credit cards can also come with generous welcome bonuses (sign-up offers), which are usually given in a lump sum after you open a new card and spend a required amount within the first few months of signing up for the card.

Rewards Bonus
A sign-up bonus can give you a head-start on accumulating rewards.
Everyday Rewards
You can earn points/miles/cash back on every dollar you spent on purchases.
Rewards Categories
A rewards credit card can offer increased rewards in select shopping categories.
Fixed Rewards
A rewards credit card can offer a set percentage of your spending back on all purchases.
Rewards Value
The value of earned rewards may be fixed or vary based on the redemption option.

What type of rewards can you get?

All rewards credit cards earn some type of reward. Rewards vary from card to card, so you can simply choose the kind of rewards you would like to earn. Here's what you can earn with rewards credit cards:

Points - These are the issuer's currency and you will have a number of redemption options to use your points for. Points can also be transferable or be a part of a loyalty program. If you have a co-branded credit card, you'll earn points for a specific loyalty program, typically for an airline or hotel. Transferable points can be transferred to certain partners to maximize their value.

Miles - These are not pure miles flown as it was before with certain programs. Today, miles rewards are the same points rewards, but under a different name. Miles usually act and work like point rewards.

Cash back - This is the most straightforward type of reward. You simply get a percentage of each purchase back. This percentage can be fixed for all purchases or may vary for certain categories (based on the program you choose). Cash back can be redeemed as pure cash, statement credits, or more.

Crypto - This is a new type of reward that has appeared quite recently but is gaining popularity. Crypto rewards can be earned in the form of a specific cryptocurrency, like bitcoin, or as points redeemable for crypto. Crypto rewards may have only one redemption option - cryptocurrency, and often it can be only one cryptocurrency.

What to look out for?

Rewards credit cards may have higher costs than other credit cards. For example, it's common for rewards cards to have annual fees, and the better the rewards, the higher the fees may be. More than that, rewards credit cards may have higher interest rates. However, they might as well offer 0% intro APRs on purchases. Anyway, the rewards credit card is not the card you would want to carry a balance on. If you do carry some balance, the interest can eat all your rewards.

Also, do not forget about the fine print of the rewards program terms. Some cards may limit the rewards you can earn at a higher rate. Redeeming rewards cannot be easy as well. Once you are ready to redeem rewards, you may be set back by restrictions, caps, or minimum redemption amounts.

Not all rewards will stay there for you forever. Depending on the rewards program, rewards can expire if you do not show some qualifying activity or close your credit card account. The best rewards programs do not let your rewards expire, even when you close your credit card.

Rewards Limits
There may be limits to the rewards you can earn monthly, quarterly, or annually.
Redemption Options
You may see limited options, minimum redemption amounts, or other restrictions.
Rewards Expiration
Read the fine print to know if and when your rewards expire and how to avoid that.
0% Intro APRs
If a rewards credit card has a promo APR, don't forget that it will expire eventually.
Fees
Big rewards may mean high annual fees. Just make sure rewards will be able to offset the fees.

Let's compare
rewards credit cards BY MAIN FEATURES:

viewing 0-0 of 0
on Citi's secure website
#1 credit card
on Discover's secure website
on Discover's secure website
on Capital One's secure website
on Citi's secure website
on Capital One's secure website
on Capital One's secure website
on Citi's secure website
on Discover's secure website
Bonus Offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
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.
UNLIMITED BONUS: Only Discover gives you an unlimited match of 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 a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
N/A
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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. Just a dollar-for-dollar match.
Max Rewards
Earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
1.5x Miles per dollar on all purchases
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one point for every one dollar you spend. Every purchase gets you closer to the rewards you want.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
Rewards on Everyday Purchases
Earn 1X ThankYou® Points on All Purchases
1% unlimited cash back on all other purchases - automatically.
1.5x Miles per dollar on all purchases
1.25X Miles per dollar on every purchase, every day
Earn 1 Point per $1 spent on all other purchases
2X Miles per dollar on every purchase, every day
2X Miles per dollar on every purchase, every day
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one point for every one dollar you spend. Every purchase gets you closer to the rewards you want.
Earn unlimited 1% cash back on all other purchases.
1% unlimited cash back on all other purchases - automatically
Rewards Expiration
Points do not expire provided your account is active and in good standingµ
Rewards never expire.µ
Rewards never expire.µ
Miles won't expire for the life of the account and there's no limit to how many you can earn
Points do not expire provided your account is active and in good standingµ
Miles won't expire for the life of the account and there's no limit to how many you can earn
Miles won't expire for the life of the account and there's no limit to how many you can earnµ
Points never expire.µ
Your rewards will never expire as long as your account remains open.µ
Cash rewards never expire.µ
Redemption Options
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Every $1 you earn in cash back is $1 you can redeem.
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions.
Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ
Every $1 you earn in cash back is $1 you can redeem.
Intro APR on Purchases
0% (15 months)
0% Intro APR (15 months)
0% Intro APR (15 months)
0% intro on purchases (for 15 months)
N/A
N/A
N/A
N/A
0% (15 months)
0% Intro APR (15 months)
Intro APR on Balance Transfers
0% (15 months)
0% Intro APR (15 months)
0% Intro APR (15 months)
0% intro on balance transfers (for 15 months)
N/A
N/A
N/A
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
0% (15 months)
0% Intro APR (15 months)
Ongoing APR
17.24% - 27.24% (Variable)
15.74% - 26.74% Variable APR
15.74% - 26.74% Variable APR
17.99% - 27.99% (Variable)
19.74% - 27.74% (Variable)
18.99% - 26.99% (Variable)
19.99% - 26.99% (Variable)
17.99%
17.74% - 27.74% (Variable)
15.74% - 26.74% Variable APR
Annual Fee
$0
$0
$95
$95
$395
$195 ($95 for each Authorized User added to the account)
$0
Foreign Transaction Fee
3%
None
None
None
0%
None
None
0% of each transaction in U.S. dollars.
3%
None
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3%
5% of each balance transfer; $5 minimum.
$0 at this Transfer APR
$0 at this Transfer APR
Either $5 or 3% of the amount of each transfer, whichever is greater.
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Customer Service
Citi® Concierge experts are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs.µ
100% U.S. - based customer service available any time.µ
100% U.S. - based customer service available any time.µ
24/7 Customer Serviceµ
Citi® Concierge experts are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs.µ
24/7 Customer Serviceµ
24/7 Customer Serviceµ
Available 24/7, Luxury Card Concierge can assist you with travel bookings, various personal requests and much more.µ
Citi® Concierge experts are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs.µ
100% U.S. - based customer service available any time.µ
Card Network
Mastercard®
DISCOVER
DISCOVER
Mastercard®
Mastercard®
Visa®
Visa®
Mastercard®
Mastercard®
DISCOVER

Rewards credit cards for bad credit

There are not many credit cards with rewards for people with bad credit. However, it doesn't mean you won't be able to find one. Just be ready for limited rewards options or some basic rewards like 1% back per dollar spent on purchases. Also, keep in mind that rewards credit cards for bad credit will likely come with annual fees and higher interest rates. So if you are not planning to pay off the card balance in full, it may be worth looking for cheaper credit cards. Make sure you prioritize the right things, and you won't end up hurting your score even more by getting a rewards credit card.

must read NEWS AND RESEARCH
ABOUT REWARDS CARDS

News: New Credit Card Offer from Citi and AT&T Is Now Available - Credit-Land.com
Dec 7, 2022

New Credit Card Offer from Citi and AT&T Is Now Available

The new U.S. Bank Mobile App has hit the cyber streets, and it now offers credit cardholders and...

Priority Pass Review: Maximize Your Membership

Priority Pass Review: Maximize Your Membership

Airport lounges can be an absolute necessity when you have an 18-hour layover or a 6-hour delay....

EXPLORE MORE CREDIT CARDS BY CATEGORIES

Best Rewards
Bonus Offer
Points
Cash Back
Travel

comments ABOUT REWARDS
CREDIT CARDS🜂

YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!