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Imagine pulling out your rewards program credit card at the grocery store and restaurants, and receiving points that turn into a dream destination vacation. The purpose of a rewards program credit card is to earn points that can be redeemed for a number of different benefits.

Many people have found that this is a great way to afford concert tickets, lavish vacations, and electronics that they couldn't otherwise fit into their budget. In addition, reward program credit cards have become increasingly more flexible over time. In fact, many reward program credit cards compete with each other for your business, and as a result provide flexible reward points that are easy to work with.

When looking for a rewards program credit card, there are a number of factors you should consider. Some of these include:

  • Annual fees. Many rewards program credit cards charge no annual fees.
  • Interest rates. You need to consider what the annual APR is with any rewards program credit card that you consider. If you plan paying off your credit card every month, then the interest rate is less important.
  • Penalties. Rewards program credit cards make money when your payment is late or when you go over the credit limit. You need to understand any penalties that exist.

TopConsumerReviews.com has reviewed and ranked the best rewards program credit cards available today. We hope these reviews help you start earning valuable benefits right away!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Rewards Programs Credit Card Reviews

5 stars
The US Airways Premier World MasterCard®

The US Airways Premier World MasterCard® TopConsumerReviews.com Best-In-Class Blue Ribbon Award

The US Airways Premier World MasterCard®, issued by Barclaycard, is an airline rewards credit card that awards you with up to 40,000 bonus miles with qualifying transactions. You can earn more miles with 2 miles per every dollar spent on US Airways purchases, plus 1 mile per every dollar spent everywhere else. You'll receive an annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees. You also have the option to redeem flights for 5,000 fewer miles. Other exclusive features include First Class check-in and Zone 2 boarding on every flight. Get ready to board – apply for the US Airways Premier World MasterCard® before it's too late!! Read More... Visit Site

4 stars
USAA Rewards™ World MasterCard®

USAA Rewards™ World MasterCard®

The USAA Rewards™ World MasterCard®, issued by USAA Savings Bank, earns you rewards points fast: Receive 2,500 bonus points after your first purchase and an unlimited 1 point per dollar spent on regular purchases. Redeem your points anytime online and choose from cash rewards, gift cards, must-have merchandise, and travel. A low variable APR starting at 9.9% if you qualify and no annual fees or minimum finance charges mean you get to save as well. Get the rewards you deserve with a great rate credit card – the USAA Rewards™ World MasterCard®. Apply today! Read More... Visit Site

4 stars
USAA Cash Rewards® Visa® Card

USAA Cash Rewards® Visa® Card

The USAA Cash Rewards® Visa®, issued by USAA Savings Bank, is a cash rewards credit card with up to 1.25% rebate earning potential on all your purchases. You will receive your cash rebate every January for all the purchases you made the year before. You will earn cash rewards throughout your card membership as there is no limit to how much you can earn. The USAA Cash Rewards® Visa® credit card comes with a variable rate that can be as low as 9.9% APR depending on your credit worthiness and the Prime Rate. Your APR applies to purchases, balance transfers and cash advances. You won't be charged any annual fee nor is there any minimum finance fee. Start earning cash rebate with the USAA Cash Rewards® Visa® credit card! Read More... Visit Site

4 stars
USAA Rewards Visa® Card

USAA Rewards Visa® Card

The USAA Rewards Visa®, issued by USAA Savings Bank, allows you to enjoy the perks and benefits of owning a rewards credit card with 2,500 Bonus Points after your first purchase. You will continue earning 1 point for every dollar you spend on purchases without any set limit to how much you can earn. Redeem your points towards anything from cash to travel rewards. There are no blackout dates nor any redemption fee. Depending on your credit worthiness and the Prime Rate, you may be eligible to receive a variable rate as low as 9.9% APR on purchases, balance transfers and cash advances. Enjoy additional benefits such as no annual fee, no minimum finance charge and free travel and retail services. Don't wait another day to sign up for the USAA Rewards Visa® credit card! Read More... Visit Site

4 stars
USAA Active Military MasterCard®

USAA Active Military MasterCard®

The USAA Active Military MasterCard® is a rewards credit card by USAA Savings Bank that caters to those who want a low-interest credit card with special military benefits during a deployment for PCS. This credit card gives service members special rates during deployment up to 12 months. It also offers two rewards programs that include a variable rate as low as 9.9% APR on purchases, balance transfers and cash advances. The USAA Rewards™ rewards program earns you 2,500 Bonus Points after your first purchase and one point for every dollar in purchases, whereas the USAA Cash Rewards® program earns you rebates up to 1.25% on your everyday purchases. If you would like a credit card that thanks you for serving in the military, choose the USAA Active Military MasterCard®. Read More... Visit Site

4 stars
USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

The USAA Rewards™ American Express® card, issued by USAA Savings Bank, features a rewards program that lets you earn 2x points on gas and grocery purchases. All other purchases earn 1x point, with no earning caps or limits. Plus, you'll receive 2,500 bonus points after you charge your first purchase. Enjoy redeeming for rewards including cash, gift cards, merchandise, and travel. There is no annual fee and no minimum finance charge with cardmembership. What's more, interest rates may be as low as 9.9% variable. Start rewarding yourself and save on card fees with the USAA Rewards™ American Express® card! Read More... Visit Site

4 stars
Barclaycard® Rewards MasterCard® - Average Credit

Barclaycard® Rewards MasterCard® - Average Credit

The Barclaycard® Rewards MasterCard® - Average Credit is a genuine MasterCard that earns you rewards for every dollar that you spend. There is no annual fee for card membership, and you'll earn 2 points per $1 spent on gas, grocery and utility expenses – and 1 point per $1 everywhere else! You can use these points to pay for almost any purchase you've made to your card, just like cash. There are no blackout dates, redemption fees, or limits on the amount of points you can earn – all you need is a good credit score and the Barclaycard® Rewards MasterCard® - Average Credit is yours. Apply today! Read More... Visit Site

4 stars
USAA Cash Rewards® World MasterCard®

USAA Cash Rewards® World MasterCard®

The USAA Cash Rewards® World MasterCard®, issued by USAA Savings Bank, is a cash rewards credit card that gives back to you for every dollar you spend. You will immediately start earning rebates of up to 1.25% on everyday purchases. Every January you will receive your cash rebate for all purchases that were made the year before. Enjoy an interest rate as low as 9.9% on your purchases, balance transfers and cash advances – based on your credit worthiness and the Prime Rate. There is no annual fee or minimum finance charge associated with this card, nor is there any limit to how much cash rebates you can earn. Apply for the USAA Cash Rewards® World MasterCard® today! Read More... Visit Site

4 stars
USAA Cash Rewards® American Express® Card

USAA Cash Rewards® American Express® Card

The USAA Cash Rewards® American Express® card, issued by USAA Savings Bank, earns you fast rewards on everyday expenses. Earn up to 2.25% cash back on gas and groceries, as well as up to 1.25% cash back on all other purchases. What's more, you won't have to worry about yearly caps or limits on the amount of cash back you can earn. Enjoy your cash back earnings to the fullest with potentially low interest rates, no annual fee, and no minimum finance charge. Get your cash rebates every January and get started on great savings with the USAA Cash Rewards® American Express® card. Read More... Visit Site

3 stars
The Frontier Airlines World MasterCard®

The Frontier Airlines World MasterCard®

The Frontier Airlines World MasterCard®, issued by Barclaycard, is an airline rewards credit card that allows cardholders earn 40,000 bonus miles after making $500 in purchases within the first 90 days, and up to 10,000 bonus miles on balance transfers (1 mile per $1 transferred) in the first 90 days. Plus, earn 2 miles per every $1 spent at FlyFrontier.com, and 1 mile per every $1 spent on anything else! Enjoy traveling the friendly skies, and embark on your next flight with the Frontier Airlines World MasterCard® today!! Read More... Visit Site

3 stars
The L.L.Bean Visa Card

The L.L.Bean Visa Card

The L.L.Bean Visa Card, issued by Barclaycard, is the rewards credit card for L.L.Bean lovers. Earn 3% rewards on L.L.Bean purchases and 1% rewards on all other purchases. You'll also receive $10 coupons, free returns, and free monogramming from L.L.Bean. For complete card details, please check the terms and conditions. If you're looking to maximize your L.L.Bean experience, apply today for The L.L.Bean Visa Card – there is no annual fee at all! Read More... Visit Site

3 stars
Premier Miles & More® World MasterCard®

Premier Miles & More® World MasterCard®

The Premier Miles & More® World MasterCard®, issued by Barclaycard, is an airlines rewards credit card that makes it easy for you earn up to award miles with qualifying transactions. Earn 20,000 award miles after your first purchase or balance transfer, and up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within the first 30 days of account opening. Continue to earn more with 2 miles per every $1 spent on ticket purchases, and earn 1 mile per every $1 spent everywhere else. There is no mileage expiration date with monthly qualifying purchase. Plus, you will receive an annual Complimentary Companion Ticket after your first purchase, and annually thereafter. Don't wait - apply for the Premier Miles & More® World MasterCard®! Read More... Visit Site

3 stars
The Priceline Rewards™ Visa® Card

The Priceline Rewards™ Visa® Card

The Priceline Rewards™ Visa® Card, issued by Barclaycard, is a travel rewards credit card that offers you points that may be spent like cash on your purchases. Earn 5,000 bonus points when you make your first purchase. Continue to earn with 5X points on eligible Name Your Own Price purchases, as well as 2X points on everything else you buy. Easily redeem your points for statement credits that will allow you to purchase anything you'd like. Better yet, there is no set limit to how many points you can earn. For complete information on everything the Priceline Rewards™ Visa® Card comes with, make sure to read the terms and conditions. Don't wait another minute – apply for the Priceline Rewards™ Visa® Card from Barclaycard! Read More... Visit Site

3 stars
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

The Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases, issued by Barclaycard, gives frequent travelers bonus miles and unlimited travel rewards. Earn 40,000 bonus miles when you spend $300 or more on purchases within the first 90 days of your account opening - that's equivalent to $400 off your next travel redemption! Continue to earn 2X miles on all purchases, with no mileage caps. Plus, earn 10% miles back when you redeem for travel statement credits. You can also save on card fees with no foreign transactions fees and a 0% intro APR on purchases and balance transfers for the first 12 months after account opening (after that, a variable APR of 14.99% or 18.99% applies, depending on your creditworthiness). Get started on your next trip with the Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases! Read More... Visit Site

3 stars
Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

The Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases, issued by Barclaycard, is the travel rewards credit card for those who enjoy earning unlimited reward miles. Start by earning 20,000 bonus miles after you spend $1,000 or more in the first 90 days from account opening – that's enough to get $200 off your next trip! Plus, earn exclusive Carry-on Miles, which lets you get 10% of your miles back when you redeem for travel. Continue to earn more miles with 2X miles on travel and dining purchases and 1X miles on all other purchases. Redeem your miles for statement credits toward flights, cruises, car rentals, hotels, and more - with no seat restrictions and no blackout dates. Take advantage of no foreign transaction fees and 0% intro APR on purchases and balance transfers for the first 12 months after account opening (after that, a variable APR at 14.99% or 18.99% depending on your creditworthiness). Get ready for savings and travel excitement - only with the Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases. Apply today! Read More... Visit Site

3 stars
The Carnival™ MasterCard®

The Carnival™ MasterCard®

The Carnival™ MasterCard®, issued by Barclaycard, is a travel rewards card that offers a 0% introductory rate and allows you to earn points on all purchases. Earn 5,000 bonus points just for using your card for the first time, earn double the points on any Carnival™ purchase, and earn one point per $1 spent everywhere else! These points can be redeemed for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discount, onboard gifts and services, merchandise or gifts. For more information on everything The Carnival™ MasterCard® has to offer, be sure to read the terms and conditions. Read More... Visit Site

2 stars
The Choice Privileges® Visa® Card

The Choice Privileges® Visa® Card

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2 stars
Upromise World MasterCard®

Upromise World MasterCard®

The Upromise World MasterCard®, issued by Barclays Bank Delaware, is a rewards card that allows you to earn cash back on every purchase – with no caps. This card allows you to earn a $50 cash back bonus after your first first use, and 10% or more cash back on eligible online purchases through Upromise. Additionally, you can earn 4% back at thousands of participating Upromise dining restaurants, 3% on eligible gas purchases at Exxon and Mobil locations, 2% at eligible movie theaters, and 1% on all other purchases. You can even enjoy a 0% introductory offer on purchases and balance transfers for the first 12 months from your account opening. To take advantage of everything the Upromise World MasterCard® has to offer, apply today! Read More... Visit Site

2 stars
The Travelocity® Rewards American Express® Card

The Travelocity® Rewards American Express® Card

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2 stars
The Wyndham Rewards® Visa Signature® Card

The Wyndham Rewards® Visa Signature® Card

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2 stars
Barnes & Noble MasterCard®

Barnes & Noble MasterCard®

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Choosing the Best Credit Card Rewards Program

For consumers that use a credit card for a lot of purchases, choosing the right credit card rewards program is very important.

Typically, credit card reward programs fall into one of three categories:

  1. Credit cards that reward users for everyday purchases (cash back rewards, airline miles, store gift cards and or other items)
  2. Credit cards with sign-up bonuses
  3. Credit cards that include benefits when you use them (for example, a 5% discount every time you shop at a specific store, free checked bags, and so on)

The first thing you should consider is what is your reward goal? Would cash back be the best? Are you planning on using a rewards program to travel? Knowing what you want out of a card is a good place to start.

It is important to continually evaluate your current credit card and your current spending habits. As your life circumstances fluctuate and credit card offers change, you may find there is different credit card rewards program that fits your lifestyle better than your current card. Though it is not advisable to switch credit cards frequently, taking a good look every few years at your spending habits and comparing your credit card rewards program to others is recommended. For example, a frequent flyer rewards program would benefit a traveler, but if their life circumstances change and they are not traveling frequently, they may find a card better suited for them. Another example would be if your income changes and you need a card with a lower interest rate or a card with a different type of rewards program. A general rewards card (cash back, gift cards etc.) is best for someone that does not travel often. If you like to travel, taking advantage with a card that offers airline miles can be a great option.

It's also advisable to limit yourself on the amount of credit rewards cards you use. Once you find a card that suits you best, fully take advantage of the rewards it offers. Most research shows that credit cards with reward programs increase spending. If you have too many cards you may be tempted to spend more than you can afford, making your rewards less than the interest you are spending. Interest rates are usually higher with credit cards that feature rewards program. Do not be scared off by higher interest rates or annual fees, as these can often come with better rewards. However, take the time to read the fine print and compare the reward programs of these cards. For those that are disciplined and pay the credit card off in full each month, they do not need to worry about the interest rates and there is little to no extra cost to receive their rewards.

Research how your rewards are redeemed before signing up for a credit card rewards program. No one should have to go to great lengths to redeem their rewards nor find out that rewards earned have expired. A best credit card rewards program should cost you the least amount of money, while offering the largest amount of benefits.

 

 

 

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