Compare Reward Credit Cards
Rewards credit cards are immensely popular due to their incentives driven packages. The credit card holder is rewarded for their loyalty and use of the credit cards by way of discounts, gifts and in some cases actual money. The reward credit card works by giving the card holder a percentage of all purchases made with the credit card. The higher the expenditure, the higher the size of the payment back to the credit card holder.American DreamCard™ MasterCard®
- Over $1.1 Million Awarded to Date!
- Large monthly cash jackpots
- Earn entries from everyday shopping
- Get 1,000 entries just for applying!
- A New Winner Every Month!
- Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
- *See terms and conditions for important rate, fee, and other cost information, and limitations
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $0- $59* | See Terms* | Average |
Delta Reserve Credit Card
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
- Complimentary Crown Room Club(R) access for you and two guests
- Access to American Express(R) Concierge Services
- Pay with Miles - pay for all or part of any Delta flight with your miles
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | $450 per year | See Terms* | Excellent |
Discover® More(SM) Card - Wildlife Collection
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 3%* | Good |
Chase Sapphire(SM)
- 10,000 Bonus Points after first purchase
- 2X on all airfare booked through Ultimate Rewards
- No earning caps, point expiration, or blackout dates
- Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
- 1 point for every dollar on all other purchases
- 24/7 Dedicated service advisor (No voice recording)
- Premier travel protection benefits
- No Annual Fee
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | None | See Terms* | Excellent |
Discover® Motiva(SM) Card
- Cash Rewards for your good credit management!
- Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 3.99%* | 6 Months* | None | 3%* | Good |
FAQs on Rewards Credit Cards
Who can apply for a Rewards Credit Card?
Anyone can, but the type of reward available is dependent on the card issuer and can be anything from tangible goods to cash.
How does one earn rewards?
The card holder receives a percentage of purchases made with the Rewards Credit Card. Each time it is used, it increases the size of the payment that will be received. Other rewards can be redeemed at differing hotels, restaurants and gas stations.
What kind of Rewards Credit Card can one get?
It all depends on the kind of incentives that appeal to the card holder, hence assessing one’s options is of the utmost importance. For example, a person who rarely travels will not benefit from benefits gained from a frequent-flyer miles.
FAQs on Cash Back Credit Cards
What points should I be aware of before applying for a Cash Back Credit Card?
Not all cards charge an annual fee, but check with the card issuer for confirmation. If the card holder is a big spender, checks should be made to see if the card offers higher payouts of varying levels as this would make sound financial sense.
How much cash can I expect to get back?
This depends on the card issuer, but cash back percentage can be anything between 0.5% and 2% of purchases made as an annual rebate. More recently, some card issuers have raised the percentage paid back up to 5%.
