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 Sapphire Preferred® Card

Credit Recommended:
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Credit Recommended:
Good/Excellent
Rewards Rate 1
2X points on travel and dining
Intro Rewards Bonus
50,000 bonus points
Annual Fee
$95
Apply Now on Chase secure website.
Regular APR
17.74% - 24.74% Variable
Credit Recommended
Good/Excellent
Intro (Transfers)
N/A

Highlights

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card

Discover it® Miles

Credit Recommended:
Excellent, Good
Apply Now
Discover it® Miles
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 14 months
Intro (Transfers)
10.99% for 14 months
Regular APR
13.74% - 24.74% Variable
Apply Now on Discover Card secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
Consumer

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
See additional details for Discover it® Miles
Rates & Fees

Capital One® Savor® Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Savor® Cash Rewards Credit Card
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
16.24% - 25.24% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Chase Freedom Unlimited®

Credit Recommended:
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Annual Fee
$0
Apply Now on Chase secure website.
Regular APR
16.74% - 25.49% Variable
Credit Recommended
Good/Excellent
Intro Rewards Bonus
$150 Bonus

Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
See additional details for Chase Freedom Unlimited®

Capital One® Spark® Cash for Business

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Spark® Cash for Business
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Regular APR
18.74% (Variable)
Apply Now on Capital One® secure website.
Product Type
BusinessCard
Credit Recommended
Excellent, Good
Intro Rewards Bonus
500 Cash Back once you spend $4,500 on purchases within 3 months from account opening

Highlights

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
See additional details for Capital One® Spark® Cash for Business

Apply Now
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Annual Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.74% - 24.74% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

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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