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Best Rewards Credit Cards in 2024
April 2024: BEST REWARDS PROGRAM
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
More Rewards Credit Cards
This offer is not available in U.S. territories.
- Receive a $200 statement credit when you spend $3,000 in the first 3 months.
- Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
- Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
- No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
- Manage your card and finances using Rocket Money app.
- Digital card security with built-in features, like Freeze Card.
- Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
- See if you’re preapproved in as little as 2 minutes with no impact to your credit score.
This offer is not available in U.S. territories.
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- Enjoy 0% Intro APR on Purchases for up to 15 months; a variable go-to APR applies after that.
- Earn up to 5% cash back or up to 3x points on purchases.
- Earn up to 60,000 bonus miles/points as a sign-up bonus.
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay*
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your VantageScore 4.0 score from TransUnion®†
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Getting Credit Cards With Rewards
If you are new to the world of rewards, all those points, miles, cash back and sign-up bonuses may sound like some trick issuers use to make you apply for their card. However, when you understand how all rewards programs work and how much you can save using a rewards credit card, you won't be that skeptical any more.
To get into the swing of rewards credit cards, start using a cash back credit card with fixed cash back rewards on purchases. Cash back rewards are plain and easy to comprehend: you simply get some percentage back form every purchase you make with the card. Standard cash back reward is 1% cash back. Earned cash back can be easily redeemed for cold cash or statement credits.
Points and miles rewards are pretty much the same: you get a number of points/miles per dollar spent on purchases. Standard reward is 1 mile or 1 point, and it is usually worth 1 penny when you translate it into cash, but it may vary depending on redemption conditions.
When you fill confident enough, you can try co-branded credit cards. They usually allow to earn points or miles rewards on purchases in specific categories like travel, gas, dining out, or entertainment. Co-branded cards are good for travelers, avid shoppers and to anyone who find themselves loyal to a store, airline or a hotel.
When you choose a rewards credit card, it always comes to your shopping habits, expenses, and needs. You won't need an airline credit card if you do not travel by plane, and you won't definitely need a gas rewards credit card if you do not have a car. So, think first, then calculate your potential rewards and then apply for a rewards credit card.
Not Sure Which Card to Choose?
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