The credit card rewards game is getting more and more enticing for U.S. consumers. Whether you are looking for a huge signup bonus, free travel, shopping and dining vouchers, or eye-watering cash rewards, we've made sure there's a card that suits your lifestyle needs. Earn rewards as you shop with the best rewards cards for this quarter.
GET.com's Best Rewards Credit Cards
|Best For||Credit Card|
|Travel||Discover it® Miles - Unlimited 1.5x Rewards Card|
|Bonus||Chase Sapphire Preferred® Card|
|Cash Back||Chase Freedom Unlimited℠|
|Airline||United MileagePlus® Explorer Card|
|Hotel||Citi® Hilton HHonors™ Visa Signature® Card|
Best Travel Rewards Cards
Best Cashback Rewards Credit Cards
Discover it® Cashback Match™ is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing bonus categories up to $1,500 for purchases in combined categories each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards never expire. The card has a cool signup bonus for new cardmembers: Discover will match all the cash back you've earned at the end of your first year - Automatically. That offer is only for new cardmembers. Discover it® Cashback Match™ offers a 0% intro APR on purchases and balance transfers for the first 14 months. After that, there's a 11.49% - 23.49% variable APR on both balance transfers and purchases. No annual fee. Here's our Discover it® Cashback Match™ review.
Wells Fargo Cash Wise Visa® Credit Card lets you earn unlimited 1.5% cash rewards on all the purchases you make. During the first 12 months from account opening you can also enjoy 1.8% cash rewards on Android PayTM or Apple PayTM mobile wallet purchases. This card has a pretty decent bonus offer which lets you earn $150 cash rewards bonus after spending $1,000 in the first 3 months. The cash rewards you earn don't expire. This card has a 0% intro APR for 12 months on purchases and balance transfers and a 13.49% - 25.49% variable APR thereafter (balance transfer fees apply). $0 annual fee. Here's our Wells Fargo Cash Wise Visa® Credit Card review.
Chase Freedom® is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing categories, up to $1,500 in combined purchases each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards do not expire. The card has a cool signup bonus for new cardmembers: Earn a $150 Bonus after you spend $500 on purchases within the first 3 months of account opening, and a $25 Bonus after you make a purchase and add an authorized user in this same 3-month period. Chase Freedom® offers a 0% intro APR for 15 months for purchases and balance transfers. After that, there's a 15.49% - 24.24% variable APR on both balance transfers and purchases. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. No annual fee. Here's our Chase Freedom® review.
Citi® Double Cash Card – 18 month BT offer, a partner card, lets you earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. We like that you are rewarded for being a responsible cardholder! Earn unlimited cash back without the need to enroll in any program. The cash back that you earn can be redeemed for statement credit, checks or gift cards. One standout benefit of Citi® Double Cash Card – 18 month BT offer is the complimentary Citi® Price Rewind service which checks for a lower online price for the same item you bought with this card and registered within 60 days of purchase. If a better deal is found, you can request for a refund of the difference, subject to terms and conditions. This card comes with a 0% intro APR on balance transfers for 18 months. There is a 13.49% - 23.49% variable APR on purchases and balance transfers thereafter, depending on your creditworthiness. You can see the applicable balance transfer fee and find out how making a balance transfer impacts interest on purchases by clicking the "Apply Now" button. Here's our review of Citi® Double Cash Card – 18 month BT offer.
Blue Cash Preferred® Card from American Express, a GET.com advertiser, is undoubtedly a highly rewarding card for people and families who do most of their spending at U.S. supermarkets, as you can earn 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%). You earn 3% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on the rest of your purchases. You will receive your cash back as Reward Dollars that you can redeem as a statement credit. The $95 annual fee is small, compared to what you can get as a signup bonus: Earn $150 back in the form of a statement credit after you spend $1,000 in purchases on your new Card in the first 3 months. If you spend at least $105 per month at US supermarkets, the cash back you earn will already cover the annual fee, which means that the gas and department store rewards, plus 1% cash back on all other purchases will be your real savings. We like that you can also earn cash back for recurring spending, like your phone bill. Enjoy a 0% intro APR on purchases and balance transfers for 12 months, and a 13.49%-23.49% variable APR thereafter, based on your creditworthiness as well as other factors. Here's our review of Blue Cash Preferred® Card from American Express. Overall, Blue Cash Preferred® Card from American Express is an excellent choice for families and those who frequently shop at US supermarkets.
Discover it® chrome lets you automatically earn 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter. You also earn 1% cash back on all other eligible purchases. As a new cardmember Discover will match all the cash back you've earned at the end of your first year automatically. This card gives you a 0% intro APR on purchases and balance transfers for 14 months (with 11.49% - 23.49% variable APR after that). Other perks you can get with this card include free FICO® Credit Score tracking in one easy-to-read chart on monthly statements as well as online, and the Freeze It® on/off switch (prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online). Read our Discover it® chrome review here.
Best Frequent Flyer Credit Cards
United MileagePlus® Explorer Card lets you start earning miles with a welcome offer that gives you 30,000 bonus miles after spending $1,000 on purchases in the first 3 months after account opening. If you add an authorized user and make one or more purchases within the first 3 months after you open your account you will earn an extra 5,000 bonus miles. As if that weren't incentive enough, you can earn 10,000 bonus miles every calendar year after you spend $25,000 or more on purchases with your card. Earn 1 mile for every $1 you spend on purchases, and 2 miles for every dollar you spend on tickets purchased directly from United. Earn unlimited miles and the miles you earn do not expire as long as your account remains open. Get your first bag checked in for free on United-operated flights. Receive 2 complimentary United Club one-time passes every year where you can enjoy complimentary beverages, snacks, and other amenities. This card has a $0 intro annual fee for the first year, then $95. Click here to read our review of United MileagePlus® Explorer Card.
Gold Delta SkyMiles® Credit Card from American Express lets you earn 2 miles per dollar spent on your Delta purchases and 1 mile for every dollar you spend on other eligible purchases. Check your first bag for free on every Delta flight and enjoy Priority boarding. After you make $1,000 in purchases on your new Card within the first 3 months you will earn 30,000 bonus miles, and get a $50 statement credit after you make a Delta purchase with this Card within the first 3 months of Card Membership. $0 intro annual fee for the first year, then $95. Terms and Conditions apply. Read our review of Gold Delta SkyMiles® Credit Card from American Express.
JetBlue Plus Card lets you earn 30,000 bonus points after you spend $1,000 in purchases in your first 90 days after account opening. You also earn 5,000 bonus points every year after your account anniversary. Earn 6 points for every $1 spent on JetBlue purchases, you also earn 2 points per $1 you spend on purchases at grocery stores and restaurants, and 1 point per $1 on all other purchases. That means you can earn miles just by using this card for your everyday spending. Get 10% of your points back every time you redeem your points to use towards your next redemption and a $100 statement credit when you purchase a Jetblue Vacations package of $100 or more using this card. Receive other benefits such as 50% savings on eligible inflight purchases (like food, cocktails,etc), first checked bag free on JetBlue operated flights, TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year after your anniversary date. There is also 0% intro APR on balance transfers for the first 12 billing cycles on balance transfers made within 45 days of account opening, after that, 12.49%, 20.49% or 25.49% variable APR. You pay a $99 annual fee. Read our review of JetBlue Plus Card here.
Southwest Rapid Rewards® Premier Credit Card has quite a decent bonus which lets you earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open. You earn 2 points per $1 spent on Southwest® purchases and participating Hotel and Car Rental partners and 1 point for each dollar you spend on all your other purchases. Your points don't expire as long as your account stays open and you can redeem them as travel credit towards airline and hotel bookings, cruises, vacation packages, and car rentals. Get 3,000 points each year after your card anniversary. This card has a $99 annual fee.
Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® lets you earn 50,000 American Airlines AAdvantage® bonus miles after you spend $3,000 on purchases in the first 3 months. Keep in mind that this is a limited time welcome offer. You can earn double AAdvantage®miles per dollar spent on eligible American Airlines purchases and 1 AAdvantage® mile for every dollar you spend on other purchases. When you redeem your miles you earn 10% of your redeemed AAdvantage® miles back (up to 10,000 AAdvantage® miles each calendar year). Benefits include Group 1 Boarding on American Airlines flights, no foreign transaction fees, free first checked bag on domestic American Airlines itineraries for you and up to four companions (traveling with you on the same reservation) and 25% savings on in-flight food and beverage purchases on American Airlines flights. This card's $95 annual fee is waived for the first 12 months. Read our review of Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® here.
Best Hotel Credit Cards
Citi® Hilton HHonors™ Visa Signature® Card, a partner card, has a generous offer that lets you earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 or more in purchases within your first 4 months of opening your account. Earn 6 HHonors Bonus Points for every dollar you spend at any participating hotel within the Hilton Portfolio, 3 HHonors Bonus Points per $1 you spend on purchases at gas stations, supermarkets and drugstores as well as 2 HHonors Bonus Points for each $1 that you spend on all your other purchases. As an added perk, enjoy the benefits of HHonors Silver status. You get to experience all that this card has to offer with no annual fee! Check out our Citi® Hilton HHonors™ Visa Signature® Card review.
Starwood Preferred Guest® Credit Card from American Express is a Starwood credit card for people who often stay at the Starwood chain of hotels ( include St Regis, Le Meridien, Westin, Sheraton, etc). As a new cardmember earn 25,000 bonus Starpoints® after you use this card to make $3,000 in purchases within the first 3 months of cardmembership. Earn up to 5 points per dollar spent on purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest program, and 1 point per dollar spent on all other eligible purchases. This card has no foreign transaction fees. Receive complimentary in-room, premium Internet access while staying with SPG® Participating Hotels. $0 annual fee for the first year, then $95. Terms and limitations apply. Read our review of Starwood Preferred Guest® Credit Card from American Express here.
Hilton HHonors™ Card from American Express, a GET.com advertiser, gives you the chance to earn rewards with a no annual fee. As a welcome bonus earn 50,000 Hilton HHonors™ Bonus Points after you spend just $750 in purchases to the Card within your first 3 months of Card Membership. You will get 7X Hilton HHonors Bonus Points for each $1 of eligible purchases you charge on your Card directly with a participating resort or hotel within the Hilton Portfolio, get 5X Hilton HHonors Bonus Points for every $1 spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 Hilton HHonors Bonus Points for all other eligible purchases you make with your Card. So whether you travel a lot or not, you can earn a lot of points on day to day spending. As an added perk, enjoy complimentary Silver status when you hold this card. Or, if you spend $20,000 on eligible purchases on your Card in a calendar year you can earn HHonors Gold status through the end of the next calendar year. Terms and Conditions apply.
Our Pick Of Gas Rewards Cards
Wells Fargo Propel American Express® Card lets you earn 3X points at U.S. gas stations, 2X points at U.S. restaurants and 1X point you earn on any other purchases you might make with this card. Points can be redeemed for travel, gift cards, cash redemption options or merchandise through Go Fartm Rewards. Earn a 10% annual relationship bonus of Go Fartm Rewards points on non-bonus rewards points by maintaining a qualifying Consumer Wells Fargo Checking or Savings account. You'll also enjoy some exclusive offers on airline tickets, hotels, car rentals, and cruises. This card has a 0% intro APR for 15 months on purchases and balance transfers and a 13.49% - 25.49% variable APR thereafter. A $0 annual fee applies.
Our Pick Of Rewards Cards For Students
Discover it® for Students is an excellent student credit card that lets you earn 5% cash back in categories that change each quarter up to the quarterly maximum of $1,500, such as gas, restaurants, Amazon.com, and more when you activate. Earn 1% cash back on all your other purchases. As a new card member, receive $20 cash back for each school year (for up to the next 5 years) in which your GPA is 3.0 or higher. As an extra bonus , Discover will match all of the cash back rewards you've earned at the end of the first year! Note that this bonus offer is only for new cardmembers. Enjoy 0% intro APR on purchases for 6 months, (13.49% - 22.49% variable APR thereafter), and 10.99% intro APR on balance transfers for the first 6 months (13.49% - 22.49% variable APR thereafter). No annual fee. Read our review of Discover it® for Students here.
Best Business Rewards Cards
SimplyCash® Plus Business Credit Card from American Express has a welcome offer which lets you earn a one-time $250 statement credit after spending $5,000 or more in qualifying purchases within the first 6 months of Card Membership. You earn 5% cash back on wireless telephone services purchased directly from U.S. service providers and at U.S. office supply stores. You also earn 3% cash back on the category of your choice from a list of 8 select categories like U.S. gas stations, U.S. purchases for advertising in select media, airfare purchased directly from airlines, hotel rooms purchased directly from hotels, car rentals purchased from select car rental companies, U.S. restaurants, U.S. purchases for shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers. The 5% and 3% cash back you earn apply to purchases up to $50,000 per calendar year, after that you'll earn 1% cash back. Earn 1% cash back on other purchases. This card also gives you 0% intro APR on purchases for 9 months, after that 12.74% - 19.74% variable APR. No annual fee. Terms & limitations apply.
The Enhanced Business Platinum® Card from American Express OPEN is a charge card that lets you earn up to 100,000 Membership Rewards® points. This limited time offer (expires January 25, 2017) works like this: you'll earn 50,000 Membership Rewards points after you spend $5,000. You earn an extra 50,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership. This card also has a new offer which lets you earn 50% more Membership Rewards® points (1.5 points per $1), on each qualifying purchase of $5,000 or more (up to 1 million additional points annually). Earn one point for each dollar spent on eligible purchases you make. Get 50% points back on all First and Business class flights, on all the airlines available through American Express Travel and if you use Membership Rewards® Pay with Points to pay for all or part of your flight through American Express Travel you can get 50% of the points back. You also get complimentary Priority Pass Select and the Airport Lounge Access Program which gives you access to over 1,000 participating airport lounges across the globe. $450 annual fee. Terms & Restrictions Apply. Read our review of The Enhanced Business Platinum® Card from American Express OPEN here.
The Business Gold Rewards Card from American Express OPEN lets you get 50,000 Membership Rewards® points after spending $5,000 in purchases within the first 3 months of Card Membership. Get 3x points for purchases in your choice of 1 out of 5 categories, 2X points for purchases in the 4 other categories and 1X point per dollar on other purchases. This card has no foreign transaction fees and offers benefits such as purchase protection, premium roadside assistence, extended warranty and more. This card has a $0 introductory annual fee for the first year, then $175. Terms and limitations apply. Read our The Business Gold Rewards Card from American Express OPEN review here.
Best Card For Gas & Cars
While BuyPower Card from Capital One®'s features seem to be on par with most upscale credit cards, it blows most of its competition out of the water when it comes to rewards. Not only does this card let you earn up to $250 after spending $5,000 each year (5% Earnings on the first $5,000 you spend annually), on every purchase after that you also get unlimited 2% Earnings! You can redeem these Earnings when you buy or lease a new Chevrolet, Buick, GMC or Cadillac. As an added perk, your Earnings never expire and have no redemption limit. There are no foreign transaction fees and no annual fee. You don't have to pay interest on your purchases for an entire year. This card has a 0% intro APR on purchases for 12 months, after that, a 13.40% - 23.40% variable APR will apply. Here's our BuyPower Card from Capital One® review.
Rewards Credit Card Tips
Some credit cards let you earn rewards like miles, points or cash back when you make certain types of purchases with your card. These type of cards are known as rewards credit cards.
When you make a purchase at a store or other merchant and pay using your credit card, the store pays the credit card company a merchant fee. Because the credit card company makes money every time you use your credit card to pay, it's always on the lookout for ways to get you to use your card to pay more.
Letting you earn rewards every time you make a purchase with your card is a good way to encourage you to use your card more. You save by earning rewards, the bank or credit card company makes money off merchant fees, and the merchant makes a sale that they might not have made if they required cash.
Credit Card Rewards Programs
A payment card rewards program is a scheme that lets you earn rewards when you make certain purchases using your card, and then redeem those rewards for something you want.
Earning points on all your spending is great. But the way you can redeem those points makes a big difference in how much you are really getting for your money. When you pick a rewards credit card, it's important to have some understanding of the rewards program that powers it.
Some rewards programs are pretty simple, because you always earn rewards when you make certain purchases (at your favorite shop, for example) or because the rewards you earn can only be redeemed for one thing. For example, a rewards program may only let you redeem rewards for gift cards, or for meals at a certain restaurant.
Other rewards programs are more complicated because they give you more flexibility. Some programs let you earn rewards on many different kinds of purchases, or let you redeem rewards for many different things like travel, cash, merchandise, and much more.
Rewards programs are not all equal, and the points (or miles) you get in one program may get you a lot more (or less) than the points you earn using a card with a different program.
Here's a quick summary of the major rewards programs in the US:
1. Chase Ultimate Rewards®
This solid rewards program from Chase is used by popular rewards cards like Chase Sapphire Preferred® Card and provides a lot of flexibility in how you earn and redeem your rewards. You can earn rewards when you make purchases using an eligible credit card from Chase, as well when you shop on Shop through Chase SM at more than 200 popular retailers online.
When it comes to redeeming rewards, you have several options. You can redeem for merchandise, unique experiences (concerts, sporting events and more), and even redeem for cash back at the rate of $.01 for 1 point into your Chase checking or savings account.
But the real power of this rewards program is reserved for travelers. You can redeem points for flights, hotel accommodations, car rentals, cruises and activities.
Chase Sapphire Preferred® Card gives you 1:1 point transfer to leading airline and hotel loyalty programs at full value, so your points offer much more travel value than the points you earn with many other programs.
When you redeem points for travel booked through Chase Ultimate Rewards®, you get 25% more then if redeemed for cash. For example, you can get a $625 flight for just 50,000 Ultimate Rewards points (worth $500 if redeemed in other ways) if you redeem through Chase Ultimate Rewards®. When redeeming points for travel, you can also combine points with cash to make up the difference.
You can move points from another Chase card that earns Ultimate Rewards, as long as those cards belong to you or your spouse (or domestic partner). All things considered, this is a flexible rewards program with a lot of travel perks.
2. Citi ThankYou® Rewards
This rewards program from Citi® lets you earn ThankYou® points using rewarding Citi cards like Citi ThankYou® Preferred Card, Citi ThankYou® Premier Card or Citi Prestige® Card, and even student cards like Citi ThankYou® Preferred Card for College Students.
Points can be redeemed towards online bill payment, merchandise or travel bookings. You can also redeem points as donations to charitable causes. One nice perk is that you can redeem points as a statement credit to cover purchases you make with an eligible Citi credit card that fall under the gas, dining, entertainment, utility bills, drug store and grocery categories.
You can also give your points to other ThankYou® members. If you like to redeem rewards as cash, you can redeem Thankyou points for cash in $50 or $100 denominations. A great benefit for travelers that hold a Citi Prestige® Card is that you can convert points to select frequent flyer programs, often at a very beneficial rate.
For example, you can redeem 1,000 ThankYou® Rewards points for 1,500 HHonors Bonus Points (Hilton Group) or get 1,000 Flying Blue Award Miles (Air France/KLM) for 1,000 ThankYou® Rewards points.
Other frequent flyer programs that benefit from the 1,000:1,000 points conversion rate are Virgin Atlantic Flying Club, Thai Airways Royal Orchid Plus, Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Qantas Frequent Flyer, Malaysia Airlines Enrich, Garuda Indonesia Frequent Flyer, Etihad Guest, EVA Air Infinity MileageLands and Asia Miles. On the whole, Citi ThankYou® Rewards is a very flexible and rewarding program.
3. Capital One® Rewards
This is a pretty simple and straightforward program. Unlike other rewards programs that use points which can then be redeemed for various things, this program lets you earn either cash back or miles, depending on which Capital One® credit card you use.
Miles cards like Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card earn travel rewards, while cash back cards like Capital One® QuicksilverOne® Cash Rewards Credit Card earns cash back.
The miles you earn are really more like cash back rather than frequent flyer miles. They can be redeemed as a statement credit towards travel purchases you make at a rate of 100 miles to $1 in travel purchases. That means you have a lot of flexibility in the way you redeem miles for travel, as you can pretty much just book travel the way you want, and then redeem miles for a statement credit to cover the purchase.
You can earn unlimited rewards with this program. Cash back can be redeemed for a check, statement credit, or gift card, so you do have some options. A nice perk is that you can redeem any amount of cash back, anytime. Most other programs only let you redeem rewards for cash back in certain denominations.
4. American Express Membership Rewards®
This is a very comprehensive rewards program from American Express that may appeal to you if you prefer redeeming your points for more exclusive rewards. You can book travel including flights, cruises, vacation packages and hotel accommodation using your points, or a combination of points and cash at amextravel.com.
You can also redeem points for rental car certificates (Avis, Hertz, Enterprise), Express Rewards prepaid gas cards, or even towards a Mercedes Benz service, lease or purchase.
One of the strong points of this program is that you can redeem points towards purchases on site at certain American Express partners.
For example, you can redeem points towards a McDonald's purchase right at the counter. You can also shop with points on Amazon.com or transfer your Membership Rewards® to the Plenti® rewards program (500 Membership Rewards® points for 400 Plenti points. You can redeem your points for merchandise.
This program also offers a long list of events and experiences that you can redeem points for. If you prefer gift cards, you will have a lot of different gift cards to choose from when it comes time to redeem your points. Points can also be redeemed towards Ticketmaster (event tickets) and Telecharge (Broadway and off-Broadway events) purchases.
You can also redeem your points towards Uber services right in the Uber app (100 Membership Rewards® points = $1 charged by Uber). If you have at least 1,000 points in your account, you can redeem points toward eligible charges (retail, dining, groceries and more) made with your eligible American Express card. That gives you a lot of flexibility as you can redeem points towards the cost of certain purchases you make.
5. Discover Cashback Bonus
This rewards program is used by Discover cards. You earn rewards as a Cashback Bonus that you can redeem in different ways. This program works very well if you like redeeming rewards for cash. You can redeem for cash anytime, starting at just 1 penny.
Most other programs only let you redeem for cash in set denominations, so you may have to save enough points for $50 or $100 before you can redeem. But that is not the case with this program, as you can redeem any amount of points you want and get cash.
You can also use Cashback Bonus points to pay at the counter when you shop at certain retailers. The Pay with Cashback Bonus lets you use your cash back to pay at online stores, including Amazon.com.
You also get very good value by redeeming your Cashback Bonus points for gift cards (starting at $20), as you can redeem your Cashback Bonus for higher value gift cards from many Discover partners. You can also donate your rewards to charitable organizations.
Thanks to this program from American Express, you don't have to carry around separate customer loyalty cards when you make purchases at merchants including AT&T, Exxon, Mobil, Rite Aid, Nationwide, Direct Energy, Hulu, Alamo Rent A Car, Enterprise Rent-A-Car, National Car Rental.
You earn Plenti rewards when you make purchases at any of these Plenti partners and you can redeem your Plenti points towards purchases at AT&T company-owned stores, Macy's and more! Terms and limitations apply.
If you use The Plenti® Credit Card from Amex, you earn 1 point per $1 you spend on eligible purchases. You earn 3 Plenti points at U.S. supermarkets (on up to $6,000 per year in purchases and 1 point after that) and 2 points at U.S. restaurants. Terms apply. That way you can earn Plenti® points just by using this card for regular purchases. Terms and limitations apply. Earn 5,000 Plenti® points after you spend $250 on purchases using your The Plenti® Credit Card from Amex within your first 3 months of Card Membership. Terms and Conditions apply.
7. Upromise® By Sallie Mae®
If you want to earn rewards that you can redeem towards education, then you will probably find this rewards program interesting. The program works through a huge network of partner merchants.
You can earn 5% (or more) cash back when you make eligible online purchases at over 850 popular retailers (Groupon, Sears.com, Macys.com, Staples.com, and more) when you shop through Upromise.
You also earn 5% cash back at thousands of Upromise partner restaurants. Another way to earn up to 5% cash back for college is to book travel with Travelocity, Expedia, Budget and other travel merchants through Upromise. You can use any Visa or MasterCard credit card to shop through Upromise, but you will have to link your card to your Upromise account.
This rewards program from U.S. Bank lets you earn FlexPoints that can be redeemed for travel, gift cards, statement credit and merchandise (including Apple®, Sony®, Bose®, North Face® and more). This program is exceptionally rewarding when you redeem for travel.
You can redeem for hotel accommodation, car rentals and cruise lines. But you get exceptional value when you redeem your FlexPoints for airline travel because FlexPerks works with a tier system.
For example, 20,000 points can get you up to $400 in airline ticket travel, because the first tier (20,000 points) can be redeemed for flights that cost up to $400.
The second tier (30,000 points) can be redeemed for up to $600. That means you can basically double the value of your points when redeeming this way.
There are 14 different tiers so you get a lot of flexibility. Of course a $450 flight will already fall under the second tier, because it's over $400. But you can pay part of your flight with points and charge the difference to your card, so you always get the best value.
More Than One Program
Some credit card companies have more than one rewards program, and the rewards you earn will depend on which card you have. For example, American Express runs three rewards programs: Membership Rewards® (a points rewards program), Reward Dollars (a cash back rewards program), and Plenti℠ (a merchant-specific rewards program).
Pedro Pla is co-founder of GET.com. He has been around the globe several times and considers collecting air miles and points from credit cards to be a hobby, if not, an obsession. Email: email@example.com.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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