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 Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro Rewards Bonus
$200 bonus
Annual Fee
$0
Apply Now on Chase secure website.
Intro (Transfers)
N/A
Regular APR
14.99% - 23.74% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
See additional details for Chase Freedom Unlimited®

Citi Rewards+® Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% Intro APR Period 15 months on Purchases and Balance Transfers
Intro (Transfers)
0% Intro APR Period 15 months on Purchases and Balance Transfers
Annual Fee
$0
Apply Now on issuer’s secure website.
Regular APR
13.49% - 23.49% (Variable)
Rewards Rate 1
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
Credit Recommended
Excellent, Good

Highlights

  • FOR A LIMITED TIME, 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
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for Citi Rewards+® Card

Chase Freedom Flex℠

Credit Recommended:
Good/Excellent
Apply Now on issuer’s secure website.
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Rewards Rate 1
5% cash back offer
Intro Rewards Bonus
$200 bonus
Apply Now on issuer’s secure website.
Annual Fee
$0
Intro (Transfers)
N/A
Regular APR
14.99% - 23.74% Variable

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
See additional details for Chase Freedom Flex℠
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.

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