Point Rewards Credit Cards

Earn reward points for everyday purchases that can be redeemed for a variety of gift cards, merchandise, travel discounts or cash rebates. Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:
Best Card Features: Bonus Offer, Points Rewards
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Regular APR
    17.49% - 24.49% Variable
  • Intro APR
    N/A
  • Annual Fee
    $95
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
  • The Citi Rewards+SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% – 24.99%, based on your creditworthiness.
  • Regular APR
    14.99% - 24.99% (Variable)
  • Intro APR
    0% for 15 months on Purchases and Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months and Balance Transfers for 18 months
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • Regular APR
    14.40% - 24.40% (variable)
  • Intro APR
    0% on Purchases for 12 months and Balance Transfers for 18 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; 0% intro APR on purchases for 7 months; only student card to round up rewards to nearest 10 points
  • The Citi Rewards+SM Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 15.99% – 25.99%, based on your creditworthiness.
  • Regular APR
    15.99% - 25.99% (Variable)
  • Intro APR
    0% for 7 months on Purchases
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: Earn 2% cash back on every purchase; $500 cash bonus after spending $5,000 in first 3 months
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Regular APR
    18.49% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit 700 - 749

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