Points Rewards Cards

With Points Rewards credit cards, you can earn reward points for purchases made on the card. Some cards offer bonuses for card purchases within a certain time frame or on-going extra points for purchases in certain categories. Points can be redeemed for a variety of rewards such as merchandise, gift cards, and more.

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Rewards Rate 1
1.5% - 5% cash back
Intro (Purchases)
0% Intro APR on Purchases 15 months
Annual Fee
$0
Apply Now on the Chase secure website.
Intro Rewards Bonus
Earn $200 cash back
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
18.99% - 28.49% Variable

Highlights

  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
See additional details for Chase Freedom Unlimited®
Rates & Fees

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Rewards Rate 1
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee
$0
Apply Now on the Chase secure website.
Annual Fee
$95
Regular APR
19.99% - 28.24% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
See additional details for Chase Sapphire Preferred® Card
Rates & Fees

Prime Visa

Credit Recommended (660-850):
Good/Excellent
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
Get a $150 Amazon Gift Card
Annual Fee
$0
Regular APR
19.49% - 28.24% Variable
Apply Now on the Chase secure website.
Rewards Rate 1
1% - 5% back
Product Type
Consumer Card
Credit Recommended
Good/Excellent

Highlights

  • Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
See additional details for Prime Visa
Rates & Fees
Advertiser Disclosure

More about Points Rewards Credit Cards…

Credit card companies encounter severe competition for the business of those people with excellent credit histories. Therefore, they are always trying new ways to bring in those preferred customers. Obviously, offering low interest rates and no annual fees is a good place to start, but they can't reduce interest too much or they won't make any money. Once that law of diminishing returns sets in, companies turn to other enticements. The opportunity to earn free air travel was one of the first reward programs. Since that was highly successful, it was followed by cards that let you earn credit toward automobile purchases, cruises, car rentals and other bonuses.

The next generation of enticements is cards that offer points which can be redeemed for any of several kinds of merchandise, even groceries and movie tickets. These points accrue in proportion to your expenditures. After a minimum balance of points is reached, they can be redeemed at any of the company's participating partners. This has been considered the most flexible and useful reward so far. But how do you get one of these cards and which one has the best partners? CreditSoup.com can help you find the card which offers you the most useful rewards. With our in-depth knowledge of credit companies, we can sift through the avalanche of offers available and find the card which best suits your needs. We do the work and you get the rewards!

*See online credit card application for details on the terms and conditions


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Advertiser Disclosure

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.