Credit Cards with Rewards
Browse the full selection of our list of Reward credit cards below or choose another credit card type from the menu bar on the left. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.
USA Classic - FreeCreditClub.com
Establish New Credit and Get Back to Living... Your Membership is *Guaranteed
Summary:
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $2,500 on merchandise
Issuer: USA Credit
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $2,500 on merchandise
Issuer: USA Credit
Features:
- No Employment Verifications
- No Credit Checks
- Membership is *Free
- $2,500 unsecured merchandise credit line
- Poor Credit? No Credit? No Problem
- *Guaranteed Instant Online Approval
*See website for Terms & Conditions.
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.
Features:
- Earn cash back on gas and a $25 statement credit with your first 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
UltraVX Visa®
Now anyone can qualify for a credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
Features:
- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
Delta Reserve Credit Card
The New Elite Travel Card with Premium Rewards.
Summary:
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $395-$450*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Miles + Travel Benefits
Issuer: American Express Co.
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $395-$450*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Miles + Travel Benefits
Issuer: American Express Co.
Features:
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase*
- Built-in Miles BoostSM—earn up to 30,000 MQMs and 30,000 bonus miles*
- Complimentary Crown Room Club® access for you and two guests*
- Access to American Express® Concierge Services*
- Pay with Miles—pay for all or part of any Delta flight with your miles*
*See web site for complete terms & conditions.
IberiaBank Visa® Platinum Rewards Card
The Platinum Card with the SCORECARD® Bonus Point Program.
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: ScoreCard® Bonus Points
Issuer: IberiaBank
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: ScoreCard® Bonus Points
Issuer: IberiaBank
Features:
- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
Download the Terms & Conditions here.
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Starwood Preferred Guest® Credit Card
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® for free nights and upgrades at over 860 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® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
See Card Terms and Conditions
Discover® Open Road® Card
5% Cashback Bonus® on gas and auto maintenance purchases
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: Full 5% on Gas Purchases*
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: Full 5% on Gas Purchases*
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
Discover® Student Open RoadSM Card
Get the card that's right for you, now and down the road.
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: Full 5% on Gas Purchases*
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: Full 5% on Gas Purchases*
Issuer: Discover Bank
Features:
- 0% Interest* on Purchases for 6 Months
- Build Your Credit History
- Full 5% Cashback Bonus® on gas and auto maintenance purchases*
- Up to 1% Cashback Bonus® on all other purchases*
- $0 Fraud Liability Guarantee
- No Annual Fee
*View rates, fees, rewards and other important information.
American DreamCard™ MasterCard®
Your Chance to WIN!
Summary:
Ongoing APR: As low as 14.99%*
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Annual Fee: $0-$59*
Late Fee: $39.00
Overlimit Fee: $39.00
Grace Period: 20 Days
Reward Program: Sweepstakes
Issuer: American DreamCard
Ongoing APR: As low as 14.99%*
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Annual Fee: $0-$59*
Late Fee: $39.00
Overlimit Fee: $39.00
Grace Period: 20 Days
Reward Program: Sweepstakes
Issuer: American DreamCard
Features:
- Earn entries from everyday shopping!*
- More entries mean more chances to win!
- Get 1,000 entries just for applying!
- Large Monthly Cash Jackpots!
- $0-$59 Annual Fee*
- A New Winner Every Month!
*See web site terms and conditionsfor important rate, fee and other cost information, and limitations.
American Express® Preferred Rewards Gold Card
Gold benefits, with a rich array of travel rewards.
Summary:
Ongoing APR: N/A; Due in full each month
Annual Fee: $125.00
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Reward Program: Membership Rewards® Points
Credit Line: No pre-set limit*
Issuer: American Express Co.
Ongoing APR: N/A; Due in full each month
Annual Fee: $125.00
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Reward Program: Membership Rewards® Points
Credit Line: No pre-set limit*
Issuer: American Express Co.
Features:
- Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year
- Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 60 seconds.
See card offer terms.
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-20%* Cashback Bonus®
Issuer: Discover Bank
Features:
- 0% Interest* on Purchases for 6 Months
- 5% to 20% Cashback Bonus® at top online retailers*
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.
AccountNow™ Vantage Debit MasterCard®
Get the perfect alternative to a bank account!
Summary:
Ongoing APR: N/A
Overlimit Fee: $29.00
Returned Check Fee: $29.00
Grace Period: N/A
Total Initial Charge: $19.95 (Plus Plan)
Credit Line: relodable $10,000
Issuer: MetaBank
Ongoing APR: N/A
Overlimit Fee: $29.00
Returned Check Fee: $29.00
Grace Period: N/A
Total Initial Charge: $19.95 (Plus Plan)
Credit Line: relodable $10,000
Issuer: MetaBank
Features:
- Instant Guaranteed Approval* - no credit check, no security deposit
- $0 ACTIVATION FEE - when you load your card by direct deposit
- Free Direct Deposit - no more check cashing fees
- Free Online Bill Pay - no need for expensive money orders
- Free Credit Builder? - bill pay transactions are reported to PRBC®
- No Overdraft Fees - no minimum balance required
- iAdvance loan option, no credit check needed.*
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
Horizon Gold Credit Card
Get your *Guaranteed Approval Unsecured Credit Card
Summary:
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $35.00
Reward Program: Free Equifax Credit Report™
Credit Line: $500
Issuer: Horizon Card Services
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $35.00
Reward Program: Free Equifax Credit Report™
Credit Line: $500
Issuer: Horizon Card Services
Features:
- *Guaranteed Approval!
- *Bad Credit Accepted!
- *No Employment Check!
- *Reports to a Major Bureau!
*See Complete Terms & Conditions for details.
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Features:
- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.















