Rewards Credit Cards

Forcredit andmonthly spendings

A rewards credit card earns you points for every dollar spent. Additionally, many rewards cards offer generous signup bonuses. To help you pick the right card, we estimate the potential profit of each card based on its signup bonus and your monthly spendings in different purchase categories. Please compare the best offers, choose your card and start earning rewards!

Barclaycard Arrival Plus™ World Elite MasterCard® photo
Barclaycard Arrival Plus™ World Elite MasterCard®
No foreign transaction fee
Apply NowOn Barclaycard bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
2.1%
Miles per $1 on all purchases per $ spent
$89
waived first year
$525
50,000 miles
$1,859
We estimate as
  • Card Details
  • Get 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit.
  • Redeem your miles for travel statement credits starting at 10,000 for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days
  • Earn 2X miles on all purchases.
  • Get 5% miles back to use toward your next redemption every time you redeem.
  • Enjoy a 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening.
  • To qualify for participation in the Rewards Program Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments, and no transactions.
  • No foreign transaction fees on anything you buy while in another country.
  • Travel accident and trip cancellation insurance.
  • $0 fraud liability protection means you're not responsible for unauthorized charges you report to bank.
  • MasterCard World Elite concierge and luxury travel benefits.
  • Pros
  • Generous sign-up bonus
  • Earn 2 miles per dollar on all purchases
  • Get 5% miles back every time you redeem
  • 0% APR for 12 months balance transfers offer
  • No foreign transaction fee
  • Cons
  • Annual fee of $89
Chase Freedom Unlimited℠ photo
Chase Freedom Unlimited℠
Apply NowOn Chase bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.5%
Points per $1 on all purchases per $ spent
$0
$150
$1,230
We estimate as
  • Card Details
  • $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Cons
Blue Cash Preferred® card from American Express photo
Blue Cash Preferred® card from American Express
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1%
+ up to 6% restricted
$95
$150
$1,197
We estimate as
  • Card Details
  • Apply by 1/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200.
  • Earn $150 BACK after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
  • Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 3% Cash Back at US gas stations and select US department stores.
  • Earn 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Pros
  • Leading cash back on groceries
  • Great cash back on gas
  • 0% APR on purchases and balance transfer for 12 month
  • Cons
  • Annual fee of $95
U.S. Bank Cash 365™ American Express® Card photo
U.S. Bank Cash 365™ American Express® Card
Apply NowOn U. S. Bank bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$100
$1,180
We estimate as
  • Pros
  • Cons
The Discover it® Secured Credit Card photo
The Discover it® Secured Credit Card
No foreign transaction fee
Apply NowOn Discover bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$288
$1,152
We estimate as
  • Card Details
  • It's a real credit card, not a prepaid or debit card Using your secured credit card will build a credit history with the three major credit bureaus.
  • 1% cash back on every purchase. 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter.
  • Your secured card requires a refundable security deposit. You choose your deposit amount (minimum $200) when you apply.
  • Discover will review your credit card account monthly starting at seven months, to see if it's possible to return your security.
  • Discover will automatically match all the cash back you've earned at the end of your first year on your credit card— only for new cardmembers.
  • No annual fee.
  • 23.24% standard variable purchase APR.
  • Get your FICO ® Credit Score for free on monthly statements, on Discover mobile app or when you log in to your online account.
  • Paying late won't raise your APR.
  • No late fee for your first late payment.
  • Pros
  • Leading rewards rate for secured cards
  • No annual fee
  • Paying late won't raise your APR.
  • Free credit score
  • Cons
  • Need credit check

Our Take

We consider the Discover it® Secured Credit Card the most favorable option for people with no credit history. Unlike other secured credit cards, this one has a cash back rewards program, the opportunity to graduate to an unsecured card, and a $0 annual fee. Take your chance to build your credit from scratch with Discover Bank.