Credit Card Offers: Rewards Credit Cards
Today we are reviewing the best credit cards that are offering top rewards. This post is the next post in our ongoing Saturday series. This series is dedicated to highlighting the credit card offers and features that you might be most interested in. In the preceding weeks, we have looked at other rewards offers including the top free rewards offers and the top cash back credit cards. We’ve also looked at credit cards offering ideal terms such as the best low interest credit cards and the top 8 balance transfer cards. And we’ve even looked at the best cards from certain providers including PenFed credit cards, Chase credit cards, Citibank credit cards, and Discover credit cards. As the next in the series, this post should help you determine which of the cards is right for you if you are seeking ongoing rewards from your credit card use.
Best Rewards Credit Cards From Chase
Chase Bank offers three great rewards credit cards: Chase Freedom, Chase Sapphire and Ink Cash Business. 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 offer 0% intro APR on purchases. The Chase Freedom’s intro offer is for 15 months.
Chase Freedom® Visa
Chase Freedom® Visa 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. You can also earn as much as 10% cash back if you shop online at select merchants through the Chase store. 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
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 at restaurants. Additionally, for a limited time earn 10,000 bonus points after you spend $500 in the first 3 months – that’s $100 toward a round trip flight or any other reward.
Ink Cash Business Card -
Ink Cash Business 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 April 1, 2013 through June 30, 2013 for the life of balance with no balance transfer fee. 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 made after June 30, 2013 will return to 3% (Min. – $10, Max. – $250) per transaction. Both cards currently offer a very low introductory variable rate 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 that offers 5% cash back on your gas purchases paid at the pump,** certain restrictions may apply. You earn 0.25% cash back on other purchases.** Your cash rewards are credited to you every month with this card. There is no annual fee for this card.
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 OPEN 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. $0 introductory annual fee for the first year, then $65 for the Starwood Preferred Guest® Business Credit Card from American Express OPEN.
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 100 Reward Dollars after spending $1,000 in purchases in the first 3 months of Cardmembership. With this card you have flexibility to pay over time. 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 Open
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. Plus you can earn 10,000 Starpoints bonus for your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in the first six months of Cardmembership which 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. 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.
Disclaimer: Discover is a paid advertiser of this site.
Reasonable efforts are made to maintain accurate information. See the Discover online credit card application for full terms and conditions on offers and rewards.
Modified on May 8th, 2013 - Leave a Comment
Filed under: Credit Cards, Reviews
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
Related articles...
» No Fee Balance Transfers from PenFed» AmEx Credit Card Signup Bonus Disappearing Soon
» Who Pays for Credit Card Rewards?
» Applying for a Business Credit Card
» What’s Your Favorite Credit Card?
» The Future of the Schwab Visa Cash Back Credit Card
» The Future of the Schwab Visa Cash Back Credit Card, Revisited
» Reward Credit Cards – What’s in My Wallet?
Was this article useful? Please sign up to receive our content via e-mail:
Leave a Reply
Top Cards by Category
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership. Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The SimplyCash(R) Business Card from American Express aims to help your business succeed with a generous cash-back rewards program. Many businesses can benefit from cash back categories such as U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers and U.S. gas stations. This card not only offers a low introductory purchase APR but also doesn't charge an annual fee.
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
- How to Become a Millionaire
- How to Get Out of Debt
- The Best Dollars I've Ever Spent
- How Our Estate Plan is Structured
- How We Paid Our Mortgage In Less than 10 Years
- Money Making Ideas
- How to Manage Your Asset Allocation with Multiple Accounts
- Consumption Smoothing - Save While the Saving's Good
- How to Save on Groceries
- How Much Life Insurance Do You Need?
- Eleven Great Books About Money
- Dave Ramsey is Bad at Math
- Dish Network Customer Service SUCKS
- $8,000 Homebuyer Tax Credit
- Pay Off Mortgage Early or Invest?
- How to Claim the First-Time Homebuyer Tax Credit
- Termite Control: Sentricon vs. Termidor
- How Much Should You Pay a Babysitter?
- Reduced Credit Limits? Share Your Experience
- Ethanol Blended Gas = Lower Mileage?
- $15,000 Homebuyer Tax Credit
- Buying Furniture off the Back of a Truck
- Will Mac OS X Lion Kill Quicken 2007?
How to save money on insurance
- How to help your family after you are gone
- Will Social Security be gone before I retire?
- Refund, or no refund?
- This battle of the sexes has no winner
- What to look for when buying an energy-efficient home
- The hidden savings in a rent payment
- How to save money on vacations using social media and new technologies
- How to budget without regular paychecks
- What do you do with your windfalls?
- Don't believe the bull
