Chase Bank offers three great rewards credit cards: Chase Freedom, Chase Sapphire and Ink Cash Business Credit Card. There is no annual fee on any of these cards. All of these cards come with Chase Blueprint, a free program that allows you to choose different flexible repayment plans for various purchases. Chase offers purchase protection and 0% liability fraud protection. Chase Freedom and Ink Cash Business Credit Card offer 0% intro APR on purchases. The Chase Freedom’s intro offer is for 15 months.
Chase Freedom® is a cash back credit card that offers you 5% cash back on various rotating spending bonus categories which change every three months, subject to quarterly enrollment and maximum. You can earn unlimited 1% cash back on all other purchases with no spending tiers. There are no maximum number of points so you get unlimited cash back with this rewards credit card. However bonus and promotional offers may have a maximum accumulation.
Chase Sapphire is a rewards card that provides you with an opportunity to earn points that can be redeemed for travel and purchases. There are no restrictions or blackout dates for redeeming your rewards. You receive 1 point for every dollar that you spend. Double points are awarded when using Chase Sapphire to purchase airline tickets through the Chase Travel Booking Tool.2 points per dollar spent on dining at restaurants. Additionally, for a limited time earn 10,000 bonus points after you spend $500 in the first 3 months from account opening – that’s $100 toward a round trip flight or any other reward.
Ink Cash Business Credit Card
Ink Cash Business Credit Card is the best Chase rewards card for business cardholders. It offers unlimited cash back earnings. In addition to the rewards on this credit card, further perks include travel insurance up to $100,000 and other travel-related coverage such as auto theft coverage, auto rental collision damage and roadside assistance as needed.
Best Rewards Credit Cards from PenFed
PenFed offers two good options for rewards credit cards: the PenFed Premium Travel Rewards American Express Card and the PenFed Platinum Cash Rewards Visa Card. These cards may require a one-time $20 contribution or $15 membership fee if you do not qualify as a free member of the Pentagon Federal Credit Union (see PenFed website for details). These cards offer an excellent promotional rate of 4.99% for online balance transfers on transfers made from October 1, 2013 through December 31, 2013 for the life of balance. After that, the APR for any new balance transfers will be 9.99% and will vary with the market based on the Prime Rate. The fee for balance transfers is 3% (Min. – $10, Max. – $250) per transaction. Both cards currently offer a very low introductory variable APR of 9.99%, (this rate is capped through June 30, 2014) on purchases and cash advances with no cash advance fees. There is no annual fee on either of these credit cards.
PenFed Premium Travel Rewards American Express Card
Rated as one of the best credit cards of 2009 by CardRatings.com, the PenFed Premium Travel Rewards American Express Card is the better PenFed credit card option for people seeking a travel rewards credit card. This credit card offers one point per dollar on purchases and five points on airfare purchases made on the credit card. Cardholders can earn 20,000 bonus points simply by spending $2,500 within the first three months of opening the card. Points can be redeemed for airline travel, gift cards and more. Travel-related bonus perks on this credit card (conditions apply) include two complimentary Lounge Club visits at airports around the world upon spending $15,000 on the card annually, travel insurance and roadside assistance. This card does not have an annual fee.
PenFed Platinum Cash Rewards Visa Card
The PenFed Platinum Cash Rewards Visa Card is a better option for people who do their traveling by car. It is a cash back rewards credit card the Plus version offers 5% cash back on your gas purchases paid at the pump and carries no annual fee. To get the Plus version of the card you must obtain a qualifying PenFed product such as an active checking account with direct deposit ($250 min). Certain restrictions may apply. The Standard version of the card offers 3 percent cash back on gas purchases paid at the pump and an introductory annual fee of $0, then a $25 annual fee. Fuel purchases for airplanes and boats are not eligible for cash back rewards. Your cash rewards are credited to you every month with this card. Offers change frequently so please be sure to check the offer website to ensure that all details and information are current and review the terms and conditions before you apply.
Best Rewards Credit Cards from American Express
There are four different good rewards cards to choose from with American Express: Blue Cash Everyday Card from American Express, Blue Sky from American Express®, Starwood Preferred Guest® Business Credit Card from American Express and American Express Gold Card. The Blue Sky from American Express® and Blue Cash Everyday Card from American Express offer flexible repayment options and no annual fee. There is a $0 introductory annual fee for the first year, then $65 for the Starwood Preferred Guest® Business Credit Card from American Express.
Blue Cash Everyday Card® from American Express
Blue Cash Everyday Card from American Express is a cash back rewards card designed to offer you 3% cash back at US supermarkets up to $6,000 per year in purchases and 2% cash back on gasoline at US gas stations and 2% cash back at select US department stores. It also offers you 1% cash back on other purchases. Cash back is received in the form of a Reward Dollars that can be redeemed as a statement credit. As a Welcome Bonus you can earn 50 Reward Dollars after you use your new Card to make $1,000 in purchases within the first 3 months. Terms and Restrictions Apply.
Blue Sky from American Express®
Blue Sky from American Express® is the rewards card for American Express users who want travel rewards. You earn one point for virtually every dollar that you spend on this card. Points can be redeemed for travel on any airline without blackout dates. Points can also be redeemed for car rental, hotel rooms and other travel-related purchases. The card does not carry an annual fee. Terms and Restrictions Apply.
Starwood Preferred® Guest Business Credit Card from American Express
The Starwood Preferred Guest® Business Credit Card from American Express Open is another great AmEx rewards card but this one is especially ideal for business travelers who enjoy staying at Starwood hotels which include Sheraton, Westin and and W Hotels. You earn one point towards Starwood stays for every $1 of eligible purchases that you spend on the card. Earn up to 5x Starpoints for every dollar of qualifying purchases charged directly at participating Starwood hotels and resorts. Starpoints can be redeemed for hotel stays at over 1,100 hotels and resorts participating in SPG program and for flights on over 350 airlines through SPG Flights. Note that some hotels may have mandatory service and resort charges. Terms and Restrictions Apply.
American Express® Gold Card
American Express Gold Card is a general rewards charge card that gives you access to gold member perks. This includes access to exclusive benefits for example Baggage Insurance Plan* when you travel, Extended Warranty* for your eligible purchases and Return Protection. *Underwritten by Amex Assurance Company. You can earn one point for every eligible $1 that you spend with this card. Points can be redeemed for travel rewards with no seat restrictions or blackout dates when you book online with American Express Travel. Points may also be redeemed for gift cards for dining, entertainment and to shop at over 300 of some of your favorite brands. Use your card to get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection. There is an introductory annual fee of $0 for the first year, then the annual fee is $125 . Terms and Restrictions Apply.
Note: Offers change frequently; please be sure to check the offer website to ensure that all details and information are correct.
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