Apply for Credit Cards with Rewards Points Online
Credit Cards with Rewards Points
A credit card with rewards points is a credit card offering a rewards structure based on a points system. This allows flexibility for choosing which type of rewards you would like to redeem: free flights, cash back or various types of free merchandise. At one time you may like to redeem a free airline flight and at another time free merchandise.
What to look for in a credit card offering rewards points?
- How are the rewards points accumulated?
- Is it easy to redeem your credit card rewards points?
- Are there deadlines for how long points can be redeemed?
- What are the annual fees involved?
- If you do not plan to pay down the monthly balance, what is the ongoing APR interest rate?
These details can be found in the "terms and conditions" section of the online rewards points credit card application of your choice. CreditCreator.com offers a large selection of credit cards with rewards points.
| IberiaBank Visa® Platinum Rewards Card |
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 1.99% APR for 6 Months |
Free
| 9.25%, 12.25%, or 15.25%* | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
 |
|
*
*This APR may vary with the market based on the Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
| Sony Card MasterCard® Credit Card |
- Earn Sony Points with Every Net Retail Purchase Made On Your Sony Card MasterCard®
- No Annual Fee
- Get 2,000 Sony Points After Your First Qualifying Transaction
- Earn Double Sony Points with Every Purchase of Sony Products at SonyStyle.ca or the Sony Store/Maison Sony
- Browse Through the Complete SonyStyle.ca Catalogue Including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Player, Movies, Software, Media, and So Much More!
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Online Access to Your Credit Card Account
- Around-the-Clock Fraud Protection
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99* | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
 |
|
*
*Please refer to online application legal disclosures. |
| WorldPoints® MasterCard® Credit Card |
- 1,000 Bonus WorldPoints After Your First Purchase*
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Earn 1 WorldPoint for Every $1 in Net Retail Purchases
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99%* | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
|
|
*
*Please refer to online application legal disclosures. |
| Best Western MasterCard® Credit Card |
- Receive 20,000 Bonus Best Western Rewards Points After Your First Qualifying Purchase
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-Clock Fraud Protection
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
- Immediate Cash Access at 430,000 ATMs Internationally
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
 |
|
*
*Please refer to online application legal disclosures. |
| Starwood Preferred Guest® Business Credit Card from American Express OPEN |
- Earn up to 25,000 Starpoints® - Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel.
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Interest Rate Available |
Free
| 15.24% - 19.24% Variable | $65 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
None
|
|
|
| Chase Sapphire℠ |
- Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
- 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- 24/7 direct access to expert service advisors (No voice recording)
- No annual fee!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Sapphire℠ Preferred Card |
- Limited Time Offer! - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
- 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
- Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
- No foreign transaction fees
- Earn a 7% annual points dividend - even on points already redeemed
- Transfer points you've earned to participating frequent traveler programs at a 1:1 value
- 24/7 direct access to expert service advisors (No voice recording)
- No Annual Fee for your first year - A $95 value
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% Variable | $95 |
N/A
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Ink℠ Classic Business - Up to 25,000 Bonus Points |
- 25,000 bonus points after you spend $5,000 in the first 3 months!*
- 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
- 2X points per dollar on the first $25,000 spent annually on fuel and dining*
- 1 point per dollar on all other card purchases with no limit on the amount you can earn*
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% for 6 Months |
Free
| 13.24% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Sapphire℠ |
- Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
- 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- 24/7 direct access to expert service advisors (No voice recording)
- No annual fee!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Marriott Rewards® Credit Card |
- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
- No Annual fee for your first year - that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 14.24% | $45 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Marriott Rewards® Premier Credit Card |
- Earn 50,000 Bonus Points after your first use
- Receive 1 free night stay upon account approval and each year upon account anniversary
- Earn 5 points for every $1 spent at Marriott® locations
- Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
- Earn 1 point for every $1 spent on other purchases
- No foreign transaction fees
- Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% | $85 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Choice Privileges MasterCard® Credit Card |
- No Annual Fee
- Get the card. Earn 2 free nights1 at over 1,500 hotels across North America!
- Up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia
- Automatic upgrade to Elite Gold status*** earning you more points for every eligible stay
- Promotional rate on balance transfers (including cheque cash advances): 1.99% for your first six billing cycles that post to your Account.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 16.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
None
|
|
|
| BuyRIGHT Pre-Paid MasterCard® |
- Guaranteed Rewards- you can pick iTunes, RedBox, Cash, Starbucks and More!
- Special Reload Offer! Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.**
- FREE Direct Deposit, Online bill pay, Earn rewards.
- No credit check, 100% approved!*
- No bounced check fees or overdraft fees, EVER!
- Travel, Rent Cars, Reserve Hotels, Shop online safely!
- Unbelievable Customer Service!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 Activation Fee |
| $
|
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
*
**Cardholders pay a monthly maintenance fee of $7.95.
The cardholder also pays a one-time activation fee of $9.95.
No credit checks or turndowns.
No employment verifications.
Cardholders who choose to participate in the Credit Building Program will have their monthly payment history reported to at least one major credit bureau.
Must be at least 18 and a U.S. citizen or permanent resident.
Although residents of HI and AK can apply for the card, merchandise can only be shipped to the 48 contiguous states.
See website for complete terms and conditions of card usage and application disclosure. |
| Wired Plastic® Prepaid Visa® Card |
- Accepted everywhere VISA debit cards are accepted
- No Credit Check, Income Requirements or Bank Account Required
- On Demand Alerts - Manage your account via text messaging
- FREE Online Access to Account
- FREE Mobile Alerts - Text to your mobile or email
- FREE Rewards Program - Earn 1 point for every $1 spent
- No Bounced Check, NSF or Overdraft Charges EVER!
- FREE Direct Deposit - Eliminate check cashing fees
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
*
No credit checks.
No bank account required.
Must be a U.S. citizen and have a social security number to get approved.
Not available to residents of Puerto Rico, Guam, Virgin Islands, or America Samoa.
No income requirement.
No employment verifications.
No security deposit.
Various additional fees associated with the card, see website for details.
See website for complete terms and conditions of card usage and application disclosure. |
