Top Credit card offers with Point Rewards in 2023

Point rewards credit card offers are ideal for people who want more flexibility when earning and redeeming their rewards. Get generous bonus points and redeem them for various rewards, like travel, gas, groceries, and gift certificates! Point Rewards cards may also offer 0% intro APR on purchases, no annual fees, low rates, or high spending limits!

January 2023: BEST POINT REWARDS CARD

5
Card Overall Rating
Good/Excellent Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$95
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799 total Travel value

More Cards with Points Rewards

First Tech Platinum Rewards Mastercard® Application
Compare
on First Tech's secure website
5
Card Overall Rating
Excellent/Good/Fair Credit
  • 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
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.24% - 18.00% Variable APR
Annual Fee
None
My GM Rewards Card™ Application
Compare
on Goldman Sachs' secure website
4
Card Overall Rating
Excellent/Good Credit
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Intro APR on Purchases
0% (12 Months)*
Intro APR on Balance Transfers
N/A*
Ongoing APR
19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
Annual Fee
None*
5
Card Overall Rating
Good/Excellent Credit
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799 total Travel value
  • 4X Points on all Travel categories for PenFed Honors Advantage Members
  • 3X Points on all Travel categories
  • 1.5X Points on all other purchases
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$95
First Tech Choice Rewards World Mastercard® Application
Compare
on First Tech's secure website
5
Card Overall Rating
Excellent/Good Credit
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.50% - 18.00% Variable APR
Annual Fee
None
5
Card Overall Rating
Good/Excellent Credit
  • Get Rewarded on Everyday Purchases
  • 5x Points on gas paid at the pump and EV charging stations
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
  • 1x Points on all other purchases
  • 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • Earn point rewards on all your purchases, every day.
  • Enjoy 0% Intro APR on purchases or balance transfers; a variable go-to APR applies when the intro period is over.
  • No Annual Fee
Intro APR on Purchases
Intro APR on Balance Transfers
Ongoing APR
Annual Fee

Point Rewards and More

Most credit cards now come with extensive rewards programs, so it's time to start saving money before and after your first purchase. But not only can you save money, there are tons of perks associated with rewards cards that most card holders are not taking advantage of. Here are a few little-known benefits associated with your credit card.

  • Lost luggage reimbursement covers the cost of your luggage and its contents in the case of stolen or damaged property on planes, trains, and even buses.
  • Price protection is a common benefit offered by credit card companies when cardholders receive a refund if an item bought with that credit card drops in price within a specified time period.
  • Zero Liability Policy is a guarantee that you won't be held accountable for unauthorized charges made with your account or account information. You are protected if your card is lost, stolen or fraudulently used, online or offline.

Here are some other things to keep in mind when trying to maximize your credit card rewards:

  • Find out how many points you can earn and if there is a limit.
  • Make note of when your points expire.
  • Get the details on how you can spend your points.

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Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
One point per dollar spent is a pretty much standard reward that is offered on most reward credit cards. If you want to earn more, you can look at the credit card offers from Barclays. Their credit cards can offer a bit more than a standard one...
The Blue Delta SkyMiles co-branded credit card has a 10k bonus offer. Practically it does not guarantee that you will get an award ticket without additional spendings. Note that the redemption options and required number of miles for an award ticket...
With the Express Next credit card you can earn rewards both in-store and online, however, this is a store card, so the rule only applies to Express purchases, you can't use your card anywhere else. With general rewards credit cards you can earn...
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