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Credit Card Rewards Offers

From the Editor: When choosing a rewards credit card, it's important to look for cards that will provide the most benefits. For most, a rewards credit card that charges no annual fee and offers cash back rewards will offer the most value. Unlike points or miles, cash back rewards can't be devalued at the whim of a credit card company.

People who put most of their spending on a credit card could find good value in a credit card that charges an annual fee, but offers a higher rewards rate. However, assuming that one rewards point is worth about 1 cent, it can take $6,000 of spending to break even from a $60 annual fee. This isn't a big deal if you spend $24,000 a year on your card, but it is if you only spend $5,000 or $10,000.

Below you can learn more about rewards credit cards and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.

Capital One® VentureOne(SM) Rewards Credit Card

1.25 miles per dollar on every purchase, every day and no annual fee
One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles don't expire
Fly on any airline, any time with no blackout dates
0% intro APR on purchases until June 2013
No foreign transaction fees

Citi® Dividend Platinum Select® Visa® Card

$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
Each quarter, you can enroll to earn additional cash back in popular categories.
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*

Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0% until June 2013*	N/A	11.9% - 19.9% (V)

Apply Now

Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0% for 12 months*	0% for 12 months*	12.99% - 22.99%* (Variable)

Apply Now

Capital One® Cash Rewards - Excellent Credit

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$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until June 2013.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until June 2013*	0%* until June 2013*	12.9% - 20.9% (V)*	$0	Excellent Credit*

Citi ThankYou(SM) Preferred Rewards Card - $250 in Gift Cards

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$250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening
Earn 1 point for every $1 you spend on all purchases
Receive an anniversary bonus every year you're a cardmember
No expiration and no limit on the points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	12.99%-22.99%* (Variable)	None	Good

Capital One® Venture(SM) Rewards Credit Card

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2 miles per dollar on every purchase, every day

Money® Magazine's "Most Rewarding Card if you crave free airline flights" - Money Magazine, May 2011

Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel

Redeem your miles for any travel expense

No limit on the miles you can earn and miles don't expire

Fly on any airline, any time with no blackout dates

No foreign transaction fees

$0 intro annual fee for the first year; $59 after that

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	13.9% - 20.9% (V)	$0 intro for first year; $59 after that	Excellent

Chase Sapphire Preferred (SM) Card

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Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!

2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.

Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM

No foreign transaction fees

Receive a 7% annual dividend on all new points earned - even on points already redeemed

1:1 point transfer to participating frequent travel programs

Direct access to expert service advisors anytime

No Annual Fee for your first year - A $95 value

Apply Now!

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	15.24% Variable*	$95, Waived First Year	Excellent

Chase Freedom® Visa

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This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 15 months on purchases and balance transfers
5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 15 Months	0% for 15 Months	12.99%-22.99% Variable*	None	Good

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Should You Consider a Rewards Credit Card with An Annual Fee

As noted above, getting a good rewards credit card doesn't require paying an annual fee. Most cash back credit cards carry no fees and these are often the best credit cards for reward seekers. However, many airline credit cards, as well as most high-end rewards cards, carry annual fees. Whether or not it is worth paying that annual fee is a question worth exploring.

Let's start with airline credit cards. Rewards cards tied to a specific airline almost always carry annual fees that can range from $50 to $400, depending on the card you choose. Some of these airline specific cards offer special perks and accelerated ways to earn miles on a particular airline. But if you tend to shop for the best flight prices, you may run into situations where you're better off having the flexibility of a general miles reward card. Plus, to earn back your $50 annual fee, you'll have to spend $5,000.

If you have a general airline rewards card with no annual fee, you'll have 5000 miles after you spend $5,000. If you use an airline specific card, you'll have paid $50 for the same amount of miles.

Premium rewards credit cards also come with annual fees that can also be as high as $500. However, some people may enjoy the benefits that come with an American Express® Platinum card and find the annual fee worth paying. However, it does take $40,000 of spending to break even on that card's annual fee, so unless you use your credit card to buy a new Lexus every year, reaching the break even point can be difficult.

Ultimately, the best credit card for you is the one that earns you the most rewards, net of any annual fees. Flexibility is a plus, which makes cash back credit cards a great option, but value is the most important thing.

Credit Card Rewards Tips

How to Earn Credit Card Rewards: I pay for everything I possibly can with a credit card to rack up rewards. The end result: my credit card company pays me about $600 a year to use their card. In this article, I demonstrate how you can profit from credit card rewards the same way I do.

Credit Card Rewards Calculator: The rewards calculator allows you to estimate how much you can earn in cash back, airline miles or (ugh!) points with a rewards credit card. All you need to do is guesstimate how much you spend on groceries, gas and other purchases and the calculator goes to work.

Points are NOT the Best Credit Card Rewards: Would you rather have 10,000 reward points or a hundred dollar bill? If you chose the points, I'm not sure if I can help you. Rewards points from some companies are significantly better than others, but as in life, cash is king. This article explains why.

Cash Back is the Best Credit Card Reward: Rewards points can decrease in value anytime a credit card company wants them to. Frequent flyer miles can be great-but only if you know how to use them. So, as I say a hundred times on CardWisdom, when it comes to rewards, cash is king.

*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.