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Rewards are always a good thing and when it comes to reward credit card offers, it is like a rebate that saves you money. Rewards cards allow consumers to earn points. Those points may be redeemed in various ways, including for air travel discounts, free hotel bookings, gift certificates to restaurants and retailers and product purchases. Using this rebate, credit card users get something back for their investment.

 

Blue Cash(R) from American Express
Blue Cash(R) from American Express
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  • When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
  • No Annual Fee
  • 0% Intro APR for 6 months on purchases
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 17.24%-21.24% Variable No Annual Fee Yes Excellent
 
Discover® More Card
Discover® More Card
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  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent
 
Blue Sky from American Express(R)
Blue Sky from American Express(R)
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  • 0% Intro APR for 6 months on purchases
  • Earn 1 point for every dollar you spend
  • Points good on any airline, hotel, car rental and more.
  • No blackout dates or travel restrictions
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 17.24%-21.24% Variable No Annual Fee No Excellent
 
Discover® Open Road Card
Discover® Open Road Card
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  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • 0% intro APR on purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Good
 
Miles by Discover® Card
Miles by Discover® Card
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  • 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
  • Double Miles on your first $3,000 in travel and restaurant purchases each year
  • Double Miles through our exclusive online shopping site
  • One Mile for every dollar on all other purchases
  • Flexible redemption options for travel, gift cards, or cash
  • 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 10.99% - 16.99% (Variable)* None Yes Good
 
IBERIABANK Visa® Gold Card
IBERIABANK Visa® Gold Card
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  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 
American Express(R) Gold Card
American Express(R) Gold Card
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  • Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
  • The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
  • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
  • Express Approval. Get a decision in 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A N/A $125 annual fee No Excellent
 
IBERIABANK Visa® Platinum Card
IBERIABANK Visa® Platinum Card
Apply Now!
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 
Starwood Preferred Guest(R) Credit Card from American Express
Starwood Preferred Guest(R) Credit Card from American Express
Apply Now!
  • Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
  • Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
  • No annual fee for the first year and $45 thereafter
  • Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
  • Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 15.24% See Terms* Yes Excellent
 
TrueEarnings(R) Card from Costco and American Express
TrueEarnings(R) Card from Costco and American Express
Apply Now!
  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
  • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 15.24% See Terms* Yes Excellent
 



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How To Use Rewards
 
These credit cards allow the user to earn either cash back from their purchases or points able to be used in various ways. It is important to find a card that allows you to earn rewards that are suitable, and beneficial, to you. Every card is different, which means that users should spend some time comparing their options carefully.
 
The amount earned from cashback or other rewards credit cards varies between 1% and 5% on purchases. Note the card's redemption options prior to choosing the card. Choose those credit cards offering the most attractive opportunities for you. Some cards offer a higher rebate on specific types of purchases, such as purchases made at a grocery store or at a gas station. Note the terms and conditions on these cards (which are available on the application.) These higher earnings may be just an introductory offer.
 
Credit cards offering a reward may cap the amount that can be earned on a year. Most caps are high and not reachable to average card users. Business credit cards may offer no cap. For those who will use the cards at a higher rate, above the cap, may wish to consider two separate rewards credit cards.
 
To take full advantage of rewards, ensure you pay off the balance on your credit card at the end of each month, within the grace period. This way, no finance charges are billed and you still earn rewards. Those who will carry a balance on their credit cards may wish to look outside the rebate option and instead choose a credit card with a low interest rate. Other options include frequent flyer miles cards, cash back cards or low interest introductory offers.

 

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