Rewards Credit Cards

A rewards credit card is great for those who don't carry a balance month-to-month. You can find everything from simple, flat rewards rate cards to ones with ever-changing bonus categories. Our most popular cards tend to be cash back cards, which give gimmick-free, easy-to-use rewards. Use the filters below to find the best card (some of which are from our partners) for you! Also check out NerdWallet's list of the best rewards credit cards.

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Credit Card Annual Fee Rewards Rate Sign Up Bonus *Annual Rewards dollarsign
Barclays Arrival Plus Credit Card

Barclaycard Arrival Plus™ World Elite MasterCard®

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Show Details
$89 - Waived first year 2.20%* question Earn 40,000 bonus miles when you...question $651
Apply Now

on Barclays's
secure website

thumbsupPros
  • High rewards rate
  • 0% on balance transfers for 12 months (must be completed within first forty-five days of account opening)
thumbsdownCons
  • Has annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$440$220
Rewards from spending ^$950 $475
Annual fee($89)($45)
Annual rewards
dollarsign
$1,301 $651
^ Get 10% of miles credited back to your account when you redeem as a statement credit against any travel expense
Account Details

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • 0% intro APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • Redeem your miles for travel statement credits - redemptions start at 2,500 miles for $25 toward travel purchases made in the last 120 days
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

See complete Barclaycard Arrival Plus™ World Elite MasterCard® details

Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

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Show Details
$0 intro for first year; $59 after that 2 miles* question Enjoy a one-time bonus of 40,000...question $603
Apply Now

on Capital One's
secure website

thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$400$200
Rewards from spending ^$864 $432
Annual fee($59)($30)
Annual rewards
dollarsign
$1,205 $603
^ 2 miles per dollar on every purchase, every day
Account Details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker — see your monthly credit score anytime and get automatic alerts

See complete Capital One® Venture® Rewards Credit Card details

Comenity Capital Bank Virgin America Visa Signature Card Credit Card

Virgin America Visa Signature® Card

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Show Details
$49 2.00%* question Get 10,000 bonus reward points a...question $483
Apply Now

on Comenity Capital Bank's
secure website

thumbsupPros
  • High rewards rate
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$200$100
Rewards from spending ^$864 $432
Annual fee($98)($49)
Annual rewards
dollarsign
$966 $483
^ We value Elevate points at 2 cents each.
Account Details

  • Get 10,000 bonus reward points after you spend $1,000 in your first 90 days as a cardholder; that's up to $200 toward no-blackout reward flights on Virgin America.
  • Earn 3 bonus reward points per $1 spent with Virgin America.
  • Earn 1 bonus reward point for every $1 spent on all other card purchases.
  • Check one free bag each for you and your plus-one on Virgin America flights.
  • Bring a friend along for the ride with $150 off a companion ticket every year.
  • Save 20% on all of your RED™ in-flight purchases, including meals, snacks, cocktails, and on-demand entertainment.
  • Book reward flights for as few as 2,500 points, and travel whenever you want with no blackout dates on Virgin America.

See complete Virgin America Visa Signature® Card details

Barclays Choice Privileges Visa Credit Card

The Choice Privileges® Visa® Card

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Show Details
$0 1.60%* question Earn 8,000 bonus points after yo...question $474
Apply Now

on Barclays's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
thumbsdownCons
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$256$128
Rewards from spending ^$691 $346
Annual fee($0)($0)
Annual rewards
dollarsign
$947 $474
^ NerdWallet estimates Choice Points at 0.8 cents each
Account Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at a Choice Privileges® location
  • Earn 15 points per eligible $1 spent at over 4,200 Choice Privileges® locations
  • Earn 2 points per eligible $1 spent on everyday purchases
  • No Annual Fee
  • Please see Terms and Conditions for complete details

See complete The Choice Privileges® Visa® Card details

Chase British Airways Credit Card

British Airways Visa Signature® Card

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Show Details
$0 Intro Annual Fee The First Year, Then $95 1.25%* question 50,000 bonus Avios after you mak...question $473
Apply Now

on Chase's
secure website

thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$500$250
Rewards from spending ^$540 $270
Annual fee($95)($48)
Annual rewards
dollarsign
$945 $473
^ 2.5 avios per $1 spent on British Airways and 1.25 per $1 elsewhere
Account Details

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • New: $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa Card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

See complete British Airways Visa Signature® Card details

Citibank Citi® Double Cash Card Credit Card

Citi® Double Cash Card

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Show Details
$0* Earn 1% when you make purchases and then another 1% cash back as you pay The only card that earns you cas...question $432
Apply Now

on Citibank's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • 0% on purchases and balance transfers for 15 months*
thumbsdownCons
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $864 $432
Annual fee($0)($0)
Annual rewards
dollarsign
$864 $432
Account Details

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee

See complete Citi® Double Cash Card details

Barclays Sallie Mae MasterCard Credit Card

Sallie Mae MasterCard

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Show Details
$0 1.00% $25 Cash Bonus - after first pur...question $421
Apply Now

on Barclays's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 12 months
thumbsdownCons
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus $25$13
Rewards from spending $816 $408
Annual fee($0)($0)
Annual rewards
dollarsign
$841 $421
Account Details

  • Earn 1% on purchases
  • Earn 5% cash back on gas and groceries up to $250 spent in each category per month, as well as 5% on bookstores up to $750 a month.
  • You can redeem your points as cash to pay off your Sallie Mae student loan, cash back into your Upromise account, or a statement credit

See complete Sallie Mae MasterCard details

Citibank AAdvantage Platinum Select MasterCard Credit Card

Citi® / AAdvantage® Platinum Select® MasterCard®

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Show Details
$95, waived for first 12 months* 1.00% Earn 50,000 American Airlines AA...question $419
Apply Now

on Citibank's
secure website

thumbsupPros
  • Signup benefits
  • Free checked baggage
  • Early boarding group
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$500$250
Rewards from spending ^$432 $216
Annual fee($95)($48)
Annual rewards
dollarsign
$837 $419
^ based on NerdWallet's estimated value of American Airlines Miles
Account Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $3,000 in purchases within the first 3 months of account opening*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*

See complete Citi® / AAdvantage® Platinum Select® MasterCard® details

Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred® Card

starstarstarstarstar
Show Details
Introductory Annual Fee of $0 the first year, then $95 1.00%* question Earn 40,000 bonus points after y...question $393
Apply Now

on Chase's
secure website

thumbsupPros
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$400$200
Rewards from spending ^$480 $240
Annual fee($95)($48)
Annual rewards
dollarsign
$785 $393
^ Points worth 25% more when redeemed for travel; also earn 2 points per $1 on travel and dining
Account Details

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

See complete Chase Sapphire Preferred® Card details

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom® - $200 Bonus

starstarstarstarstar
Show Details
$0 1.00%* question Get a $200 Bonus after spending ...question $388
Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
Rewards Over 2 Years
TotalPer Year
Sign up bonus $200$100
Rewards from spending $576 $288
Annual fee($0)($0)
Annual rewards
dollarsign
$776 $388
Account Details

  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire

See complete Chase Freedom® - $200 Bonus details

* These values are NerdWallet's estimates and do not represent content provided by or commissioned by credit card providers.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-21 02:33:52] - Tim says: What kind of credit score does one need for the Marriott Rewards Black Card? Thank you
  2. [2013-07-17 21:05:26] - Veronica says: Hello there NerdWallet! I was watching the news last night and a rep from NerdWallet was helping a couple get more bang for their buck and I was hoping you could do the same for me! I have excellent credit and I would like to get 2 credit cards that will give me more bang for my buck! I'm looking for cards that will give me more points per dollar spent. The first card will give me points which I can use towards airline tickets, hotel stays, car rental, and cruises. One that includes no travel blackout dates, and I could use towards the most airlines, hotels and rental car companies. I would like it to include car rental insurance/protection, priority boarding, free airline seat upgrades or hotel room upgrades, at least 1 free check in luggage(if possible), and if there's a club/lounge for card holders that would be great (like Delta Sky Miles Club) The second card I'm looking for would give me the most cash back in the form of statement credits or gift cards for restaurants, groceries or gas. It would also give me more points per dollar spent. Can you help me out? I know this is asking for a lot but I would like more bang for my buck considering I'm spending my hard earned money. I hope you can help me out! Thanks, Veronica
  3. [2013-07-02 15:46:17] - NerdWallet says: Your best bet is either the Capital One Venture Rewards (if you spend more than $8,000 per year) or the BankAmericard Travel Rewards (if you don't make that spending threshold). They have some of the best rewards rates in the business!
  4. [2013-07-02 15:45:04] - NerdWallet says: Capital One, definitely - you want to avoid foreign transaction fees, which can run up to 3% of every purchase you make abroad.
  5. [2013-07-02 15:43:27] - NerdWallet says: Glad you like it! We have a number of Venture cardholders among Team NerdWallet.
  6. [2013-06-27 14:51:14] - NerdWallet says: Hi Jamie, great question. Bank of America has asked is to list "see terms" instead of the full calculation, but our ranking still uses the calculations.
  7. [2013-06-27 07:41:53] - Jamie Hall says: Why does the BankAmericard Travel Rewards say "see terms" Is there a way to see how it compares? It looks very similar to the Venture One.
  8. [2013-06-27 00:30:17] - NerdWallet says: Unfortunately, it looks like we're out of luck this year - it usually happens in March.
  9. [2013-03-14 22:52:42] - NerdWallet says: Hi MJS: If you're looking for a general miles credit card, the Capital One Venture Rewards can be used for any travel expense - airline miles, hotel stays, the whole nine yards. There is a $59 annual fee, but it's waived the first year. A great no annual fee option is the Capital One Cash, which has no foreign transaction fee (a key feature if you go abroad). If you spend more than $8,000 and hold the card for 3 years, you're better off with the Venture Rewards; if you spend less than $8,000 in that time, you're better off with the no-fee Capital One Cash. Hope this helps!
  10. [2013-03-14 21:11:28] - kcg111 says: Do you know if CapOne will be doing the miles match promo again this year?
  11. [2013-02-27 21:01:35] - Mike says: I travel to a Westin 2-3 nights/month. Is the STG AMEX worth it for me? Or should I go with something like Chase Freedom/Capitol One Venture No Fees?
  12. [2013-02-23 14:40:43] - Adam says: to all out there looking for a great rewards card the Capital One Venture card is by far the best i have signed up for. There are different versions of the card, so be sure to get the one that offers 2 points for every dollar. No only can points be redeemed for travel but for numerous other items including gift cards for various restaurants, gas stations, itunes ect...And merchandise even Apple products. There is an $59 dollar annual fee that is waived the first year. no one matches 2 points for each dollar spent. if you use the card frequently the annual fee is well worth it !
  13. [2013-02-19 17:36:37] - Dennis Sheehan says: I have a Capitol One Visa and a Wells Fargo Visa. Which would be better/cheaper to travel with to Europe?
  14. [2013-01-30 13:49:10] - DealsSeeker says: They have both a visa and a mastercard version
  15. [2013-01-25 03:47:14] - Steven Holben says: My current ThankYou Preferred card is under my name with my wife as an authorized user. I have heard Capital One is going to do the double your miles program in March again. Do you know if they would allow my wife to apply for the Venture One and double our joint points from 2012?
  16. [2013-01-08 13:07:22] - Sarah Adkins says: I believe it's a visa but they often want you to open an account which is why I avoid Chase. They started arbitrarily charging maintenance fees on my bank account totalling nearly $20/month. I canceled the cards and changed banks because they would offer me no explanation. I kept the account well a above the required account balances, had direct deposit, etc. but they wouldn't stop stealing. I have found Chase to have too many strings attached to be worth dealing with.
  17. [2013-01-08 13:00:17] - Sarah Adkins says: I travel and was thinking of getting a cash back card along with a more flexible rewards but I'm concerned about caps on rewards. I am thinking of making my monthly student loan payments via credit card and possibly paying off some of the smaller loans. My only debt is student loans and it's high so I know it will take a while to pay off but I'm not taking 30 + years to pay it off. I'm trying to think of a way of making lemonade out of lemons. Am I nuts? My current payments total just over $800/ month and I've never missed a payment so I'd qualify for their minimum spending requirements in order to get the sign on bonus cash/rewards. I may not max out the 1, 500 per quarter but I think I should at least get something for repaying these loans. I was thinking of the Venture One Cash Back but I am not loyal to any hotel chains or airlines for travel. My goal is to get a trip to New Zealand in 3 years or less - and visit my sister in Australia! My debit card from my bank is very travel friendly and trips to the big city just aren't that amazing. I would like more than a road trip.
  18. [2012-11-24 18:49:09] - DrT says: I am trying to compare the Capital One Spark Miles for Business and the Chase United Mileage Plus Explorer or Club cards. The CO card offers 2 miles per $ spent with a conversion of 100 miles per $ value of ticket ($400 tickets costs 40,000 miles). I am trying to compare this same value conversion to the Chase United card. With Bank of America the value is 62.5 resulting in the same $400 ticket being worth 25,000 miles (however they award 1 mile per $ spent) - Which is the better card for travel if I expense roughly $10K per month on a card through my business (of course paying it off monthly)
  19. [2012-09-23 21:38:09] - Lynne says: HI I am ready to get a new credit card. I moved to the US in 2008 (bad timing) and could only get a Union Bank of CA Visa Card. It doesn't give much in the way of rewards, at least not that I can figure out. My best card is still the one I had in Canada RBC Royal Bank Visa. I am most interested in thebest return for air miles. That is, for each item I purchase I earn air miles that can be used towards a flight. My friends here in San Diego have mentioned a few cards but what do you think? Ready to make the change!!
  20. [2012-09-22 23:07:10] - whatsowhatnowwhat says: Is there a way to see if cards charge, or do not charge, a foreign transaction fee?
  21. [2012-08-31 12:30:06] - pduthoy says: Thanks a lot. This was a big help.
  22. [2012-08-30 15:44:21] - karen h says: this site is awesome has everything about every card available ! very helpful
  23. [2012-08-28 18:31:35] - AMarie says: I'm looking around to find my first credit card as a first year college student. I'm looking for a some what low APR rate and a card that offers rewards on everyday use and vacations. But also travel maybe twice a year. So I'm having trouble and need some help. I do plan on paying my bill in full each month.
  24. [2012-07-16 18:28:44] - NerdWallet says: Hi Ken, In addition to the benefits you mentioned, the American Express Blue Cash Preferred card also offers $150 in bonuses after the first $1,000 spent in the first three months. There are also no limits on what you can earn and no rotating rewards categories. Plus, there's no enrollment necessary, so you can start earning rewards right away. On top of that, you'll get all the usual AmEx cardholder benefits. And in terms of the auto credit cards, here are the links to the two cards you mentioned: http://www.nerdwallet.com/card-details/card-name/HSBC-GM-Flexible-Earnings-Card http://www.nerdwallet.com/card-details/card-name/Chase-Subaru We are working on expanding our list of auto credit cards so that more of our readers can take advantage of deals just like yours.
  25. [2012-07-15 17:53:30] - Ann417 says: I was told by two different customer service reps at Capital One Venture Rewards that you can only use the miles for the full cost of the ticket. They told me that if you do not have enough miles for a ticket, then you cannot use them as credit for part of that purchase. In your example, you would have to have 52,000 miles in order to use them for a ticket for $520. To me, it seems like you should be able to use your miles for part of the cost and this is what I assumed too when I signed up for the card. I could not find anything answering this question on their website either as Daritchie1 said. This issue should be clearly addressed by Capital One.
  26. [2012-07-14 20:17:03] - Ken Long says: The American Express Blue Cash Preferred card came up at the top of the personal card list, but you dont list all of the rewards benefits. According to their most recent email offer, 7/5/2012, they offer: 6% at grocery stores, 3% at gas stations, 3% at department stores, and 1% everywhere else. Pretty incredible when most of my bill is from groceries. Also, when I expand the search to include autos you list the GM card at 3% returns, but you dont list any of the other auto cards that offer the same rewards. I've had my Chase Subaru card for over 10 years and I get 3% returns on all my purchases in Subaru dollars. This pays for all of my maintenance at Subaru.
  27. [2012-07-05 18:33:55] - MJS says: I am looking for a credit card that gives me some kind of reward that I can use later on for vacation (flight/hotels/rental). at the moment my credit card consists of department store and a business AMEX that is provided by my work.
  28. [2012-07-05 15:52:42] - NerdWallet says: Hi Arnold, I'd recommend the Chase Sapphire for a big signup bonus - 40,000 Ultimate Rewards Points, and you have a lot more flexibility in redeeming them. Check it out! http://www.nerdwallet.com/blog/credit-cards/chase-sapphire-preferred-review/
  29. [2012-07-05 04:05:35] - Arnoldsblues says: which card is now offering the highest bonus points when you spend X$ in say 2/3 months? see hilton offering 40k but not interested in any card which limits where/how you redeem the points-- any info appreciated-- thanks,arnold--
  30. [2012-07-04 04:45:55] - rattus says: I am going to the U.K. for grad school next year, and I am looking for a credit card to take with me. I would be using it for day to day purchases, travel around the rest of Europe, as well as some larger charges for my rent deposit and college fees before I leave the U.S. I am looking at the Capital One Cash Rewards card, since it has no annual fees, no international transaction fees, and fairly good rewards. Does this seem like the right choice? I have no credit personally, but my parents would be cosigning, and they have excellent credit. Thank you!
  31. [2012-06-27 15:12:41] - NerdWallet says: You should be able to use the Venture miles to cover part of a ticket price - you don't redeem for a ticket per se, you just make your travel purchases and then trade in miles to offset those purchases as a statement credit. For example, if you buy a ticket on Kayak for $520, it'll show up on your next month's statement. You can then trade in 30,000 No Hassle Miles to knock $300 off of that purchase.
  32. [2012-06-27 15:03:09] - Daritchie1 says: I am thinking of getting the Venture Rewards card. Reading the reviews on their website, I saw a few people say that they could not redeem their miles for a ticket unless the miles covered the entire ticket (ie 25,000 miles could not be used to get money off a 35,000 mile ticket). Reading the info on their website, I could not find anything about redeeming for part of ticket price. Could you please tell me what the real situation is? Thanks
  33. [2012-06-19 15:39:33] - NerdWallet says: If you regularly check bags, the United MileagePlus Explorer might be your best bet, as they waive the checked bag fee. Otherwise, the Capital One Venture is a solid, flexible card.
  34. [2012-06-19 01:17:19] - Pchoi says: I want to switch to a credit card that will give me an decent upfont bonus mileage bonus to deposit into United and a good reward earning rate. I primarily use United airlines but flexibility to deposit into other mileage programs would be a plus. I dont mind paying an annual fee if it is worth it. I spend roughly $5k/month and pay off my balances.
  35. [2012-05-30 14:15:19] - Inverness says: Is the Chase Sapphire card a Visa, Master, or what? card?
  36. [2012-05-25 09:40:49] - Bingo28052 says: For gas, the PenFed card gives you 5% back on gas everyday( pay at the pump) plus there a $250 bonus. There nothing that consistently beats this card for gas every month. No Stupid quarters from one month 5% and next quarter 1%, 5% all the time NO fee.Get another card for travel
  37. [2012-05-22 04:15:22] - Gg says: Check with the college for possible convenience/processing fees. In my university, any payment made with a debit or credit card, is followed by a hefty 3% processing fee, cancelling out any profits (e.g. 2% back from CapOne Venture).
  38. [2012-05-21 18:40:01] - Gmc444 says: I am looking for a cash reward or airline credit card that I will use to pay for my son's college tuition, about $40,000 per year. I will pay it off every month. I will need to pay the cost in 10 month, about $4000 per month. Any suggestions on the card I should look into? Thanks!
  39. [2012-05-05 11:13:18] - Slammerrocks says: British Airways VISA via Chase just came out with one. No fees when using card across the pond. However, $95 annual fee.
  40. [2012-05-05 11:10:57] - Slammerrocks says: I have the British Airways Card. If their airline and/or partners suit you, then go for it.
  41. [2012-04-16 04:57:45] - Brad says: Basicly I get $35 a day to eat and as much as $125 a day for a hotel. I probably spend 20 nights a month on the road sometimes longer.. So for what I want to use this card for I would say 95% would go towards hotels and dining. Are there any other cards you might suggest? Thanks, Brad
  42. [2012-04-15 18:32:18] - NerdWallet says: It depends on how strongly skewed towards hotel and dining your spending is. The Blue Sky Preferred gives 2.66% back on hotels, dining and car rentals and 1.33% elsewhere, whereas the Venture gives a straight-up 2% back everywhere. The Blue Sky's annual fee is higher ($75 to $59) and isn't waived in the first year. I'd suggest the Venture in almost every case, unless your hotel/dining spending takes up most of your spending.
  43. [2012-04-15 18:17:09] - NerdWallet says: Hi there, Check out our list of the best gas credit cards here: http://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-gas-cards/. Hope it helps!
  44. [2012-04-15 05:33:02] - Brad says: I travel a lot for work. We stay in hotels and eat out a lot. (Holiday inn's and Choice hotels 95% of the time. Im enrolled in both of their programs) We are given our expenses in advance through a comdata card. I want to capitalize on all this spending.(sometimes 4000+ a month) Im looking for a rewards card to use exclusivly for these work expenses. Im not really interested in free Hotel stays or airline miles. Ive been looking at the Amex Blue Sky preferred, and the Capital one Venture. Any suggestions on how to get the best bang for the buck.
  45. [2012-04-05 01:23:46] - Chetdot says: How do I find the best gas card?
  46. [2012-04-03 22:36:00] - NerdWallet says: The Chase Freedom is better in the short term, since it gives a $200 cash back signup bonus while the NASA Platinum doesn't have a signup bonus. That's a pretty signficiant disadvantage of the Platinum. However, in terms of long-term value, the NASA card is better if you spend a lot. Basically, the Freedom gives an average of 2% cash back a year on every bonus category it has (so gas, groceries, airfare, etc. are essentially earning double rewards) and 1% elsewhere, whereas the NASA card gives 1% on the first $1,000 spent yearly, 1.25% on the next $1,000 and 2% above that. If you spend a lot of money, you can take advantage of the Platinum's high rewards rate. But keep in mind that you'd need to spend over $20,000 to make up for the Freedom's signup bonus.
  47. [2012-04-03 04:04:07] - Jtmitz says: Curious why no one mentions NASA credit union's cash back card? According to nerd wallet's configurator it easily the best cash back rewards without a annual fee . Any feedback on this card? I am down to this and chase freedom
  48. [2012-03-30 01:14:07] - NerdWallet says: I'd recommend the Chase Freedom, which this year is giving 5% cash back on gas during the first quarter (which is almost over) and third quarter, and 5% back on hotels and airlines during the fourth. Here's the link: http://www.nerdwallet.com/card-details/card-name/Chase-Freedom-200-Cash-Back Another solid non-Amex card is the Citi Hilton HHonors: http://www.nerdwallet.com/card-details/card-name/Citibank-Hilton-HHonors-Visa
  49. [2012-03-29 20:07:25] - Bleemac says: I gotta get smarter on credit cards. My cards are personal and I pay off the balance each month. I need a good a good card for airline and gas rewards. Prefer no fees and among the majors Visa, MC or Discover. Any suggestions? Thanx. bobbylee
  50. [2012-03-20 20:36:37] - NerdWallet says: How much did you put on the Skymiles card last year? The Capital One Venture will offer twice your spending last year as a signup bonus.
  51. [2012-03-20 19:52:52] - Florida Steve says: We have the AE Delta Skymiles Platinum card; $149 a year but a free companion fare every 12 months. We travel often and spend 50-75k on the card. Looking for a companion VS/MC to use when AE is not accepted, or a better reward card than we have. Suggestions?
  52. [2012-03-15 20:34:01] - NerdWallet says: Be careful with gas cards if you're buying gas for a fishing vessel. Many cards, like the PenFed ones, don't give full bonus rewards on non-automobile gas.
  53. [2012-03-14 17:23:18] - William says: Hello, we are looking for the best rewards card which give points for purchasing gas/ diesel. We purchase most from a marine gas station for our commercial fishing vessel. Does that qualify as a 'gas station'? It is a Union station.
  54. [2012-03-13 02:26:40] - NerdWallet says: Hi Steph, This advice comes courtesy of Joe Audette, our VP of Education and Financial Literacy, who has extensive experience dealing with student debt: Student loans are considered installment loans and therefore can positively impact your credit score with regular payments. Paying off a student loan balances early can negatively impact your credit score (I recently paid off all my student loans and notice my credit score drop 20 points). Credit card debt (unsecured debt) is not looked upon as favorably as installment loans. There is often a balance transfer fee (~3%), so you'd have to factor that in to constantly juggling the balance. Continually applying, and closing, credit cards certainly does not help your credit. I like to keep my finances as simple as possible, so personally I would stay away from juggling balances because I am risk averse. Can you guarantee that the same interest-free opportunities will be available to you in 18 months? What if they are not? Hope this helps, Steph!
  55. [2012-03-12 22:49:20] - Steph Moum says: Hey, so, I have a question. In my business and personal finances class in high school we were taught that it's bad to pay off a credit card with another credit card, but what if the other credit card is better (has a low APR or a few months interest free) and you keep making regular payments? Could that still negatively effect your credit score? I'm saying this because I'm thinking of paying off my student loan with a credit card that has 18 months interest free while I continue to make payments on it, and when the 18 months are up, switch to a credit card that either has a low APR or more interest free months. Would this look bad to credit providers?
  56. [2012-03-01 20:20:33] - some body says: How long does it take for Chase Sapphire to approve? I applied yesterday ...
  57. [2012-02-08 20:46:12] - flying blue says: Wells Fargo offered me a pin and chip travel card since I already have their visa card and I travel often to Europe. Card just arrived this January 2012.
  58. [2012-02-01 23:59:11] - NerdWallet says: Applying via our site takes you directly to the bank's, where you can apply safely and securely.
  59. [2012-02-01 23:57:07] - Maxim12 says: Is it safe to apply credit card through Nerdwallet instead through official bank web site?
  60. [2012-02-01 21:34:52] - Mekong57 says: Did anyone apply credit cards through nerdwallet web site?
  61. [2012-01-31 17:07:26] - NoFeesPlease says: I'm 6 months into the AMEX Blue Preferred card. I like my web account interface but the card's acceptance has been a real issue. Over half the retailers (that are not national chains) do not take AMEX. Does anybody know if AMEX acceptance is increasing or decreasing? I only carry one card and little cash so this is has been a big problem for me.
  62. [2012-01-29 18:38:49] - Mekong57 says: Citibank sent out 1099MISC for aadvantage miles redeemed or not yet redeemed at 2.5 cent/mile if you signed up for a citibank checking or saving accoun so you have to pay income tax on that gift. Anyone has an idea? It seems that citibank credit card holders will not get 1099MISC. Is this one correct?
  63. [2012-01-25 20:37:34] - NerdWallet says: I don't know of any cards that give dedicated rewards on home furnishings/lumber, but the AmEx Blue Cash gives 3% cash back on department store spending. But I'd stick with an all-around rewards card, since it looks like you'll be spending in a lot of different categories (home improvement, furnishings, paying for services, etc.) That way, you don't have to rely on accurate categorization - I can see builders not bothering to categorize themselves as home improvement, for example. I'd suggest the Capital One Venture, which gives 2 miles per $1 spent anywhere. Another option, if you're just holding the card for a year, is the Chase Sapphire Preferred. It's not that it gives great rewards on building per se, but it has a killer 50,000-point signup bonus worth $665 if you redeem your rewards for travel through Chase. Plus, the annual fee's waived the first year, so you can take the bonus and run.
  64. [2012-01-25 19:26:58] - Frbrd93 says: I'm going to build a vacation cabin. What would be a good card to pay builders, lumber yard, and for furnishing. It will be about 80k on the card over a years time. I either want miles or best reward for home furnishings and such. Ideas?
  65. [2012-01-24 18:16:53] - NerdWallet says: I'd recommend the American Express Blue Cash Preferred. It has a $75 annual fee, but it gives 6% cash back on groceries, 3% on gas and department stores and 1% everywhere else, and since it's cash back, the rewards are easy to redeem. Another option for a no-fee, versatile card is the Capital One Cash, which gives 1.5% cash back on all purchases.
  66. [2012-01-24 18:08:34] - sales help says: i do not travel a lot, but run everything through my credit card groceries, taxes, insurance, gas, restaurants, etc..... about $50,000 a year what is the best rewards card?
  67. [2012-01-13 17:20:17] - Irish173rd says: I am looking to find chase international visa card
  68. [2011-12-29 17:35:17] - Razel says: I see cards that give extra rewards at supermarkets, but they don't apply to "supercenters". Are there any that don't exclude supercenters, or give bonuses at supercenters?
  69. [2011-12-28 19:51:22] - Kasandraveleta says: I dont know what Im looking for
  70. [2011-12-19 00:01:31] - NerdWallet says: Well it depends on what you mean by mileage with the same airline. If you have two Delta credit cards, for example, then those miles are held and maintained by Delta, not by your credit card company. In that case, yes they are combined.
  71. [2011-12-18 23:17:55] - andy tomas says: If i have 2 credit cards with milage for the same airline, can i combine the milage?
  72. [2011-11-21 03:37:32] - Barbara Antle says: Have you found one yet? Had a French bank account for years for that very reason, but looks like they are closing. First Republic Bank says their debit card works on the pin and chip system, but who knows until trying it out in person? On the autoroute?
  73. [2011-10-12 16:28:19] - Shelleyt1 says: how can I find the best cell phone deal shelleyt
  74. [2011-09-18 21:57:49] - LeftCoastBlue says: I want to get a pin-and-chip card that I can use for European travel. It should be in the financial interest of the US banks to offer such a card, since that increases use. But I haven't found one, reward or not.
  75. [2011-09-02 17:55:36] - Latifa says: Love your rewards page
  76. [2011-08-20 22:24:29] - Supersasan says: I travel a lot but mostly to smaller remote cities like Roswell NM or Midland TX. I just signed up for SPG 2 nights ago and got approved, But now that i am trying to find a Starwoods hotel, i see that they only have hotels on major cities. On the other hand, Hilton has hotels everywhere!Now i want to get the Hilton Honors Surpass card, but i do not want another Credit Inquiry on my account. Does anyone know if I can switch my AMEX from SPG to Hilton Honors Surpass? PS: I think people who travel to smaller cities would benefit more from Hilton Honors Surpass or even Choice Visa card. Faster to redeem points.
  77. [2011-06-30 16:57:29] - Mary Ducich says: If AmEX HHonors card takes 25000 pts. for a $109 room...is that a fair deal? 
  78. [2011-06-29 21:10:57] - cynthia says: I need to choose a card that I can use for a) transfer a $1500 balance from another card that I'm unable to pay right now, and b) that will give me the best cash rewards threre are. I charge about $2500ma month on my credit card and I always pay the full balance (with the above mentioned exception). Any suggestions?? Thanks!
  79. [2011-06-15 13:25:34] - Mary Ducich says: I didn't make my question very clear.  I wanted to know if the Hhonors reward would a be valued at more than $200 than my purchasing with cash.  Thanks
  80. [2011-06-14 02:46:27] - Brent Healy says: If you're asking this question, you should be using cash.
  81. [2011-05-20 13:23:15] - Jducich2 says:  I have the American Express HHonors card.  Is it better to use the card for $3200 or pay $3000 in cash?
  82. [2011-04-28 15:06:14] - NerdWallet says: Spirit is a self proclaimed ULCC (Ultra Low Cost Carrier), serving the United States, Latin America, and the Caribbean. It has a limited number of potential destinations, but can be a great fit for people with flexible schedules who want to travel on a budget. For your free RT domestic flights, in order to qualify for the "Tier 1" off peak travel routes that are priced at 5,000 miles per trip, you can only fly certain routes and certain weeks of the year. For example, throughout the rest of 2011 you can only get this rate 5/4-5/24, 9/7-10/4, 11/1-11/15, 11/30-12/15. Full details at https://www.spirit.com/Content/Documents/en-US/awards_chart_2011.pdf
  83. [2011-04-28 06:24:11] - H66SRAM says: I have recently received a spirit credit card (Barclay) which gave 15000 with 1st purchase. Stated reward-3 rt domestic flights. They then added a BofA card with same deal, which I also got and recd another 15000 or 3 RT flights. So, theoretically, I have 6 RT flights after spending less than $50 in about 4 weeks. I never flew Spirit. This actually seems Too good to be true. I noticed that "fees and baggage" not included. Could that be the "catch"? Anyone know? ?
  84. [2011-04-28 03:49:28] - NerdWallet says: Excellent questions. We talk about the redemption rate the most, because the number of points you earn is (almost) irrelevant unless you know how much each of those points is worth. For example, a credit card could pay you 100 points per $1 you spend, but if you then have to redeem 100,000 points to earn a $10 gift card, that's still only a 1% reward rate. In your example, the Starwood card only pays 1 point per $1, but those points are each worth about 2.3 cents each, so you're earning something closer to 2.3% on every dollar. Meanwhile, the HHonors cards pay 3-6 points, but those points are only worth about 0.5 cents each, for a rewards rate of 1.5 - 3%, depending on the category. We take all of these numbers into account in our recommendations, because the credit card companies don't make this info easy to find. In your case, if you don't travel much, have you considered getting a basic cash rewards credit card? The Fidelity Amex pays 2% cash back on all purchases, and the Capital One Venture is a travel card that pays 2% back on all purchases, without limiting you to a specific airline or hotel. Plus the Fidelity card only charges 1% for foreign transactions (on your trips to India), and the CapOne doesn't charge any foreign transaction fees at all. Hope that helps!
  85. [2011-04-28 03:31:30] - RI says: I earn points mostly by spending on gas (costco), utilities and bill payments, groceries etc. Foreign travel every 2 years (to India) , and 1-2 travel within U.S every year. Right now, I have Hilton honors, and I spend about $3,000 on credit card every month, and I have earned around 350,000 hilton honors point without staying in the hotel. While Nerd wallet discuss in detail about redemption value of various cards, does it take into consideration, the manner in which points are earned? eg. Starwood preferred Amex earns 1 point for every dollar, while Hilton honors earns 3-6 points for various category. In cases like mine (limited travel) which is the card most likely to maximize the rewards? both travel rewards or cash back is acceptable.
  86. [2011-04-22 09:20:04] - La_kerima says: I would like to know who owns (American or other) the credit card, I am applying. I would like to keep the extra money involved here in North America. Is this a possibility and do you have such a listing.
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