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Consumer Credit Card Guide > Reward Credit Cards

Reward Credit Cards

The following reward credit cards feature either cash back or rewards programs. Rewards Program Credit Cards "reward" you for using them with cash back incentives and rebate programs.

Capital One® No Hassle Cash^SM Rewards

Capital One No Hassle Cash Rewards Application

Click "APPLY HERE" to apply online or call (866) 547-0808
Get 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases
Theres no limit to the cash back you can earn, and your cash rewards wont expire
Save with a 0% intro APR on purchases until January 2010
You can ask for your cash back whenever you want or set up automatic redemptions so you won't have to ask
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	until January 2010*	13.90% (V)*	None*	Yes*	Good Credit*

Capital One® No Hassle Miles^SM Rewards

Capital One No Hassle Miles Rewards Card Application

Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
Save with a 0% intro APR on purchases until January 2010
Get free travel easily with ANY airline, hotel, cruise line or rental car
No blackout dates and no seat restrictions
No expiration date on miles and no limit on the miles you can earn
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	until January 2010*	9.90% (V)*	None*	Yes*	Excellent Credit*

Starwood Preferred Guest® Credit Card

Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%*	6 months*	13.99%*	1^st Year None, $45 Thereafter*	Yes*	Excellent Credit*

Citi® PremierPass® Card-Elite Level

20,000 bonus points after $600 in purchases made within 3 months of account opening - enough for a roundtrip ticket up to $400 in value*
Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases*
Earn 1 point for every mile you fly on any airline*
Earn 1 point for every mile friends and family fly on tickets purchased with your card*
Get a complimentary companion ticket when you buy a qualifying ticket*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	as low as 12.24%*	$75.00*	Yes*	Excellent Credit*

Miles by Discover® Card

Double Miles on grocery store purchases in November and December*
Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire*
Redeem for travel credits to your account, gift cards from any of our 70 brand-name Partners or cash starting at just 1,000 Miles
No Annual Fee
Online Account Access
Online Bill Payment

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months on purchases & balance transfers*	10.99% - 18.99%*	None*	Yes*	Excellent Credit*

Capital One® No Hassle Points^SM Rewards

Capital One® No Hassle Points<sup>SM</sup> Rewards Application

Click "APPLY HERE" to apply online or call (866) 547-0808
Buy what you've been dreaming of and pay no interest until June 2009
There is no limit to the points you can earn, and your points won't expire for the life of your account
5 points per dollar spent at gas stations, major grocery and drug stores
1 point for every dollar spent on other purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	until June 2009*	16.90% (V)*	$29.00*	Yes*	Average*

Blue Sky from American Express

0% Intro APR for up to 12 months on purchases
Low Balance Transfer APR - 2.99% for 12 months
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	as low as 11.99%*	None*	Yes*	Excellent Credit*

Discover® More Card

5% to 20% Cashback Bonus at top online retailers*
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
No Annual Fee
Online Account Access
Online Bill Payment

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months on Purchases & 12 months on Balance Transfers*	as low as 10.99%*	None*	Yes*	Excellent Credit*

Bank of America World MasterCard® with WorldPoints^TM

Bank of America World MasterCard with WorldPoints card Application

0% Intro APR on retail purchases for your first 6 billing cycles*
0% Intro APR on Balance Transfers* and Direct Deposits* through your first 12 billing cycles*
Earn 1 Points for every dollar you spend in net retail purchases. Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates, and more
No Annual Fee
Online account access and Points management
Access to the MyConcierge sm service, a unique personal assistance service
Absolute Fraud Protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months for retail purchases*	Between P+4.9% and P+12.99%*	None*	Yes*	Good Credit*

American Express® Preferred Rewards Gold Card

American Express Rewards Gold Card Online Application

Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
No Pre-Set Spending Limit
No annual fee for the first year - $125 Thereafter
The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	1st Year None; $125 Thereafter*	N/A*	Excellent/Good Credit*

Delta Airlines - Gold Delta SkyMiles® Credit Card

Earn up to 25,000 bonus miles - enough for a total of $250 off Delta flights!
One mile for every other eligible dollar spent
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
No annual fee for the first year, then $95: $45 if you are a qualified American Express Cardmember
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	13.99%*	1st Year None; $95 Thereafter*	Yes*	Good Credit*

Blue from American Express®

0% APR on purchases for up to 12 months
No Annual Fee
Balance transfer requests submitted on application receive APR of 2.99% for 12 months*. Then, the standard APR for purchases will apply
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Membership Rewards Express® program
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	up to 12 months*	as low as 10.99%*	None*	Yes*	Excellent Credit*

Bank of America Visa Signature® WorldPoints^TM Rewards

Bank of America Visa Signature WorldPoints Rewards card Application

0% Intro APR on balance transfers for your first 15 billing cycles
Earn 1 Point for every dollar you spend in net retail purchases
Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more
No Annual Fee
Enjoy more savings and more extras - Get discounts at select merchants, valuable upgrades, and savings of up to 50% on accommodations at spectacular places. Visa Signature Privileges make it possible.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	15 months and a $25 statement credit*	9.99% / 15.99%*	None*	Yes*	Good Credit*

Bank of America® Accelerated Rewards^TM American Express® Card

Bank of America Rewards American Express Credit Card Application

Earn rewards faster with 1.25 points for every net retail purchase dollar
0% Intro APR on retail purchases for 6 months*; 0% Intro APR on balance transfers for your first 12 billing cycles*
No Annual Fee and flexibility to pay over time
Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates
Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
Free 24/7 Concierge Service
Access to more than 2,200 American Express Travel Services locations worldwide to help you

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months for retail purchases*	Between P+4.9% and P+12.99%*	None*	Yes*	Good Credit*

Simmons First Visa Platinum

Low 7.25% fixed standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No annual fee
Excellent credit needed

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
None*	N/A*	7.25%*	None*	Yes*	Excellent Credit*

* See the online reward credit cards application for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.

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