Reward

Rewards credit cards’ goal is to reward you for your everyday purchases and through these rewards, to make you feel like a valued and respected cardholder. The rewards vary from travel points and airline miles to cash back and gift cards you can choose.

As with any credit card, it is important to sign up for a card whose rewards you will actually use, and do your best to avoid cards with high interest or unnecessary annual fees. Travel rewards cards, like the Blue Sky from American Express, are perfect for those who travel frequently, whether for business or pleasure. With such cards, you can redeem your points at any time, and in most cases these points can be used towards airlines, car rentals, or hotels. Some cards, like the Marriott Rewards Premier credit card from Chase, only offer rewards for certain hotels and travel avenues, so if you’d like to use your reward points for a variety of things, be sure to avoid such cards.

Other cards, like the Chase Freedom Visa, offer a percentage back on all purchases, with a five percent cash back category that rotates every three months. Cards like these are ideal for those who simply wish to be rewarded with cash back and/or the option of choosing gift cards concurrent with their own interests.

Most rewards cards have no annual fee, and some even offer balance transfer and special intro APR offers. So whether you’re a big spender or a casual consumer, you can find a rewards card that was made for you.

Chase Sapphire Preferred℠ Card

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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24% (Variable)	No Annual Fee for your first year. $95 a year afterwards*	15.24% (Variable)	Excellent*

Chase Freedom® Visa

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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months on purchases and balance transfers*	12.99%-22.99%(Variable	$0*	Yes*	Good - Excellent Credit*

United MileagePlus® Explorer Card

Earn up to 40,000 bonus miles & first year free, a $95 value
First checked bag is free for you and a companion when you fly United flights, up to a $50 value
Board your flight before general boarding with priority boarding privileges
Visit the United Club with two complimentary day passes every year, up to a $100 value
Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
Your miles don't expire and there is no limit to the number of miles you can earn

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24%(Variable)	$95, waived the first year*	Yes*	Excellent*

Marriott Rewards Premier® Credit Card from Chase

Earn 50,000 Bonus Points after your first use
Receive 1 free night stay upon account approval and each year upon account anniversary
Earn 5 points for every $1 spent at Marriott® locations
Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
Earn 1 point for every $1 spent on other purchases
No foreign transaction fees
Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24% (Variable)	$0 introductory annual fee for the first year, then $85*	15.24% (Variable)	Excellent*

Southwest Airlines Rapid Rewards® Plus Credit Card

Now! Earn a Free Flight after your first purchase
Get 3,000 Points every year on your Card member Anniversary - that can be redeemed for a $50 Wanna Get Away® Fare
Now you can redeem for International Travel, Hotels, Gift Cards and more.
Earn unlimited Free Flights - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on Everything else
Your Bags Fly Free! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
No Change fees - if you need to change your flight, you won't be charged a fee
September 11th Security Fee Applies

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24%(Variable)	$69.00**	Yes**	Excellent*

Marriott Rewards® Credit Card

Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval
No Annual fee for your first year - that's a $45 value*
Earn 3 points for every $1 spent at Marriott® locations
Earn 1 point for every $1 spent on other purchases
Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.24% (Variable)	First Year Free, $45*	14.24% (Variable)	Excellent*

American Express® Premier Rewards Gold Card

Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
Get a decision in as little as 60 seconds

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	Introductory annual fee of $0 for the first year, then $175*	N/A*	Excellent*

Gold Delta SkyMiles® Credit Card from American Express

Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
Check your first bag FREE – for up to 9 people on your reservation – on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In–Flight Savings

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24-19.24% Variable*	$0 intro annual fee for the first year, then $95*	N/A*	Excellent*

American Express® Gold Card

Exclusive access to Gold Card Events — select concerts, shows, major sporting events, and more
Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards
Get a decision in as little as 60 seconds

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	Introductory annual fee of $0 for the first year, then $125*	N/A*	Excellent*

The Platinum Card® from American Express

25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.
Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket.
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Get 20% back when you use Pay with Points to book your travel.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$450*	N/A*	Excellent*

Blue Sky from American Express®

7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel —anytime.
Pay your bill all at once, or over time. It’s up to you.
Blue Savings Program®: big deals on big brands, all the time.
Get a decision in as little as 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months *	17.24-22.24% Variable*	No annual fee*	17.24-22.24% Variable*	Excellent*

Starwood Preferred Guest® Credit Card from American Express

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24%-19.24%*	$0 introductory annual fee for the first year, then $65*	15.24%-19.24%*	Excellent*

True Earnings® Card from Costco and American Express

American Express® Card and Costco Membership Card in one - with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	6 months*	15.24% Variable*	No annual fee*	15.24%*	Excellent*

Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Discover® More Card – 18 Month Promotional Balance Transfer

0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99-20.99% (V)**	$0*	Intro: 0% 18 months*	Good - Excellent Credit*

Discover® Motiva℠ Card

0% into APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%
Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Excellent - Good*

Miles by Discover® Card

1 Mile on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99-16.99% (V)**	$0*	Intro: 0% 6 months*	Excellent - Good*

Discover® Open Road Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Excellent - Good*

Escape by Discover® Card

Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%- 16.99% (V)**	$60*	Intro: 0% 6 months*	Excellent - Good*

Capital One® Cash Rewards

1% cash back on all purchases
Earn unlimited cash rewards that don't expire
Redeem cash rewards anytime for any amount, even set up automatic redemption

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	17.9-22.9% (V)*	$39*	17.9-22.9% (V)*	Fair*

Capital One® VentureOne℠ Rewards Credit Card

Earn 10,000 bonus miles, equal to $100 in travel
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% Until May 2013*	until May 2013*	11.9-19.9% (V) *	$0*	11.9-19.9% (V)*	Excellent*

Ink℠ Classic Business – Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2X points per dollar on the first $25,000 spent annually on fuel and dining*
1 point per dollar on all other card purchases with no limit on the amount you can earn*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	N/A*	13.24%*	$0*	Intro: 0% 6 months*	Excellent*

New Ink℠ Bold With Ultimate Rewards℠

50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
No limit to the number of points you can earn - and points do not expire
5X points per dollar on the first $50,000 spent annually on eligible business purchases
No foreign transaction fees and Free Employee Cards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 for the first year. After that $95.00*	N/A*	Excellent*

Simmons First Visa® Platinum Rewards

Excellent credit required - applicants that do not have excellent credit will not be approved
Low 9.25% variable standard purchase APR and platinum benefits
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	9.25%*	$0*	9.25%*	*

Visa Black Card

Unlimited VIP airport lounge visits
Redeem points for airfare on any airline with no blackouts or restrictions beginning at only 25,000 points for a ticket worth up to $500
Zero liability provides complete protection against unauthorized purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.99%*	$495*	Intro: 0% 15 months*	Excellent*

The Business Gold Rewards Card® from American Express OPEN

Earn points even faster to get more rewards for your business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
One million rewards from over 500 brands
Unlimited Rewards Potential – there is no limit to the number of points you can earn and points do not expire
24/7 support for everything from identity theft to travel emergencies
Get unlimited Additional Gold Cards for an additional annual fee of $50 — and this fee is waived for the first year

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 introductory annual fee for the first year, then $175*	N/A*	Excellent*

Capital One® Venture℠ Rewards Credit Card

Money Magazine's® "Most Rewarding Card if you crave free airline flights"
2 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem your miles for ANY travel expense

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

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.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months on balance transfers and purchases*	12.99%-22.99%* (Variable)*	$0*	Yes*	Excellent*

Citi ThankYou® Preferred Card

$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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	12.99%-22.99%* (Variable)*	$0*	N/A*	Excellent*

The Business Platinum Card® from American Express OPEN

Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
Complimentary airport club access to 600+ partner lounges, a $950/yr value
By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
No pre-set spending limit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$450*	N/A*	Excellent*

Citi® Diamond Preferred® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Exciting deals and savings for great brands through Citi Specials
No Annual Fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	18 months on balance transfers and purchases*	11.99%-21.99%* (Variable)*	$0*	Yes*	Excellent*