Top 2019 Rewards and Points Credit Cards – Compare & Apply Online
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Top rated Rewards, Points & Perks Credit Cards of 2018
1. Capital One Venture Rewards Card
– Earn 2 miles for every dollar spent
– Earn a one time bonus of 40,000 miles with $3000 in purchases during first 90 days
– $59 annual fee, waived first year
– No foreign transaction fee
2. Cit Thank You Preferred Card
– Earn 1 thank you point on all purchase
– Earn up to 30,000 bonus thank you points with qualifying purchases
– 0% interest rate for balance transfer and purchases
– Points never expires
3. Bank America Travel Rewards Card
– Earn 1.5 points with every $1 in purchases
– 0% interest rate for purchases and for first 12 months
– Earn 10,000 bonus points after qualifying purchases
– No annual fee
– Rewards never expire
4. Bank America Cash Rewards Card
– Earn 1% cash back on all purchases
– 0% interest rate for purchases and balance transfers
– No annual fee
– Earn 2% at grocery stores, 3% at gas stations (Capped at $1,500 quarterly)
– Earn a $100 cash bonus with $500 spent during first 90 days
5. Chase Saphire
– Earn 1 point on all purchases
– Earn 2 points on travel and dining
– No foreign transaction fees
– Earn up to 40,000 bonus points with $3000 in purchases during first 90 days
– $95 annual fee, waived first year
6. DiscoverIT Card
– Earn 1% cash back on all purchases
– 0% interest rate for purchases and balance transfers for first 14months
– Free FICO score reporting
– Award winning customer service
– No overlimit fees, foreign transaction fees
7. – Barclay Rewards Mastercard
– You can use your points as cash to pay for purchases
– Earn 1 point per $1 spent for all purchases, 2 points for every $1 spent on gas and groceries
– 0% introductory interest rate for purchases and balance transfers for first 12 months
– Free FICO score report on statement
– No limits on points you can earn
8. – American Express Blue Cash
– Cash back is credited against your statement balance
– 0% interest rate for balance transfer and purchases for first 15 months
– Earn 1% on all purchases, 3% gas stations and (6% for supermarkets up to $6000 in purchases)
– Earn a $100 statement reward with $1000 in purchases during first 90 days
Additional Rewards and Point Rewards Cards to Consider
American Express Premier Rewards Card
Bank America Premier Rewards Card
Gold Delta Sky Miles
The Carnival Mastercard
Upromise World Mastercard
Capital One Quicksilver
Citi Dividend Platinum Select Card
American Express Costco Card
Barclay Arrival World Mastercard
Shopping for a rewards or points based credit card offer?
Are you in the market for a rewards-based credit card? These cards are very popular with consumers, thanks to the many appealing offers. In fact, more than half of all purchase transactions are made with credit cards, and rewards cards make up nearly half of all credit cards available today. However, before selecting a card, customers should be aware of their personal spending habits, and what to look for in these cards in order to best optimize their rewards value.
Many people in this market tend to not carry balances because the interest rates are higher than other cards. However, thanks to favorable bank rates, the times have changed in your favor. For example, Discover currently offers their reward credit card at a zero percent interest for 14 months, after which the rate will jump from 10.99 to 20.99 percent based upon your creditworthiness. The primary rewards are 5% cash back for items purchased within certain categories (these change periodically) and 1% cash back on all other purchase. If you tend to use your credit cards regularly, this can add up. Additionally there are no annual fees, and no over-limit fees. On the other hand, zero-percent interest cards, while offering no interest anywhere from two to 18 months, will charge a variable interest ranging from 10.99% to 24.99% on your purchases after the introductory period.
So what do you look for in the best rewards credit card? That depends on your needs. There are three general categories within the rewards-based credit card offerings: cash back, airline miles, and gasoline. There are also special rewards with store-based credit cards, which offer incentives like rebates and free financing. Depending on your spending habits (and future spending plans) you should start researching within the category that best suits your needs.
We help you find the top perks, points and rewards credit cards for your personal finance situation
Other Popular Searches For Top Cards
If you are looking for cash, you will want to compare the Discover with other rewards card. Do you travel a lot? If so, you will want to look at cards, like the Capital One Venture Card rewards you with two miles for every dollar spent. Another card you may wish to consider is Southwest Airlines’ Rapid Rewards card offers perks such as no fees when changing flight plans, bonus point on your anniversary as a rewards card customer, free checked bags, and flexible redemption options. Are you on the road for work? You may want to consider the BankAmericard by Bank of America, which offers 3% cash-back on all gasoline purchases, as well as 2% on groceries and 1% on all other purchases.
While researching the credit cards within your chosen category, you will want to pay careful attention to the terms and conditions. For example, some cards require that you pay your balance every month; while with others if you pay less than the minimum you may forfeit your rewards all together. Other companies have spending limits you must reach before your reward incentives kick in. With cash back credit cards, your rewards may or may not be credited to you automatically. For those that do require you to request the credit, they may offer you several options for cashing in their rewards, ranging from gifts of equal value to the reward to mailing you a check or crediting the reward amount to your credit card bill. Finally, you will want to compare any other terms and fees these cards charge, including annual, over-limit, late payment, and transfer fees.
To recap, before you choose a card, you should:
1. Look over your purchasing history and pinpoint your spending habits.
2. Start searching for a card within your chosen reward category (cash back, airline miles, and gasoline).
3. Review the terms and conditions to earning and cashing in on the rewards.
4. Review the fees and other costs, including annual, over-limit, late payment, and transfer fees.
5. Review any other pertinent terms and conditions – it literally can pay to read the fine print!