Since you are using your credit cards to buy things everyday, why not earn some rewards too? Most of the credit cards people carry today can earn you anywhere from 1% to 5% depending on the cards and issuers. It makes perfect sense to make your money work hard for you - so getting paid for shopping isn't a bad idea at all. There are occasions that you can take advantages of special promotions that earn you even more rewards.

Basically there are two types of rewards you can earn using a credit card. Credit cards with cash back generally offers more flexibility and better choice if you are not sure how use the rewards. You can maximize earnings by shopping at drugstores and supermarkets. Another type is gas reward credit card, which may or maybe not require you to use it at designated gas stations. If it's a brand specific, such as BP or Exxon Mobile credit card, you are very likely to earn extra rewards by using the card at the brand gas station.

You can also choose credit cards that earn you reward points and redeem them when you accumulate enough. That make the rewards points attractive is that they allow you to get gift cards, exchange for flight tickets, concert ticket, toys, gadgets, or whatever is available from the reward catalog. Different cards offer different rewards. Sometimes you can double or triple the points by shopping at certain retailers. And sometimes card issuers will temporarily lower the reward threshold you can redeem them for things you always wanted. If you are interested in earning reward points on credit cards, make sure to choose those with wider redemption options and no expiration dates.

Some cards offer more attractive rewards such as 10% or more back or double reward points during the introductory period. With these special offers, every dollar you spend goes even further. Credit card companies offer reward programs for just about any lifestyle and interest. Frequent travelers - earn points on hotel stays and car rentals; drive every day? Use a gas reward card and earn cash back at every pump.

With so many credit cards that offer reward points today, which one should I choose? It's very important that you don't sign up for a reward credit card thinking that the more stuff you buy the more rewards you will get. Keep a reasonable budget. You don't want to spend more money than you can earn. Carrying a balance every month will actually defeat the purpose of rewards. Sure you can still earn points, but the financial charges will greatly outweigh those gift cards and gadgets you redeem.

There are a number of ways to receive your credit card rewards - by account credit, check, gift cards, or merchandise, whichever is convenient for you. Complete a secure online application after you compare and find the right card. Use the rewards credit card wisely and you will earn points and cash back in no time.

Rewards Credit Cards

Blue from American Express®   0% APR on Purchases for Up to 12 Months No Annual Fee Low Balance Transfer APR — 2.99% for 12 Months Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences Membership Rewards Express® Program Express Approval. Get a Decision in Less Than 60 Seconds. Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% APR for Up to 12 Months As low as 10.99% $0 No Learn More

WorldPerks® Visa® Signature Card   No Pre-Set Spending Limit Signature Exclusive 24-Hour Customer Service Double Miles for Purchases Direct From Northwest Airlines® No Blackout Dates for Award Travel Up To 5 Miles Per $1 Spent at Over 10,000 Restaurants and Hotels Nationwide Free Rental Car Collision/Loss Damage Insurance Sign Up Now and Get a One-Time, Up To 20,000-Mile Enrollment Bonus Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer No Introductory Rate Available 14.75% $90* No Learn More

WorldPerks® Visa® Platinum Card   Sign Up Now and Get a One-Time, Up To 10,000 Mile Enrollment Bonus No Blackout Dates for Award Travel Up To 5 Miles Per $1 Spent at Over 10,000 Restaurants and Hotels Nationwide Acceptance at Millions of Locations Worldwide Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer No Introductory Rate Available 14.75% $55 No Learn More

Discover® More(SM) Card- American Flag   5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

Discover® More(SM) Card - Wildlife Collection   5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

Discover® More(SM) Card - Clear   5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

Discover® More(SM) Card - Sealife Collection   5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

Discover® More(SM) Card   5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

Blue Cash® from American Express   Earn Up to 5% Cash Back on Everyday Purchases - Even Gas! No Annual Fee 0% APR for Up to 12 Months on Purchases Low Balance Transfer Rate - 2.99% for 12 Months Express Approval. Get a Decision in Less Than 60 Seconds. Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% APR for Up to 12 Months As low as 11.99% $0 No Learn More

Discover® Open Road(SM) Card   Double Cashback Bonus® on Grocery Store Purchases in November and December* 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Intro APR* 10.99% $0 Yes Learn More

back to top