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Universal Reward Cards

The following cards offer very attractive rewards and incentives to their users. Through a combination of bonuses, cash point, travel and other benefits the card user can make significant savings by using one of these cards when making their purchases. Choose the universal reward credit card that meets your needs and apply securely online.

, we found 14 Cards - Sort Card Offers or Compare

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Check up to 6 cards and

[1] Ultra VX Visa Credit Card

Terms | More Info

- UltraVX makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	18.90%*	$0.00*	25 days*	N/A*	Bad Credit OK*

[2] Simmons First Visa® Platinum Rewards

More Info

- Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 9.25% standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	9.25%*	$0.00*	25 days*	$29.00*	Excellent*

[3] Chase Freedom℠ Credit Card

Terms | More Info

- 3% Bonus Cash Back Offers in Popular, Rotating Categories Like Gas, Home Improvement and Department Stores
- Full 1% Cash Back on Everything Else - No Spending Tiers or Caps on How Much You Can Earn
- Up to an Additional 20% Cash Back at Select Merchants When You Shop Online Through Chase
- 0% Intro APR and No Annual Fee

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
0%*	for up to 6 months*	22.99%, 17.99% or 12.99%*	$0.00*	20 days*	$39.00*	Good*

[4] ZYNC from American Express

More Info

- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest – that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
- Earn Membership Rewards® points with every eligible purchase – redeem points for travel, shopping, and great entertainment rewards

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	N/A*	$25.00*	None*	N/A*	Good*

[5] The Gold Card from American Express OPEN

Terms | More Info

- Unlimited rewards potential - Membership Rewards® points have no limit to the amount you can earn and no expiration date
- Redeem for travel, gift cards, and merchandise for you and your business
- Earn 25,000 bonus points every year if you shift $50,000 of your business purchases onto the Card
- More purchasing power - Your purchase capacity can evolve with your business. Shift business expenses onto the Card and earn more rewards
- Save 3–25% on business expenses from FedEx, JetBlue®, Hertz®, Hyatt Hotels and Resorts® and more.

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A**	N/A*	$125.00*	0 days*	$35.00*	Good*

[6] True Earnings® Business Card from Costco and American Express

More Info

- Straight cash back - 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 0% introductory APR on purchases for the first 3 months
- No annual fee with your paid Costco Membership
- Flexible payments—pay in full or over time
- No annual fee for Additional Cards
- Save 3–25% on business expenses from FedEx, JetBlue®, Hertz®, Hyatt Hotels and Resorts® and more

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
0%*	3 months*	Prime + 9.99%*	$0.00*	20 days*	$35.00*	Good*

[7] Business Green Rewards Card from American Express OPEN

Terms | More Info

Who is this card for? This card is ideally suited for businesses that: *) Are established, cash flow positive and have an excellent credit history *)Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses
- Receive 5,000 bonus points on your first purchase.
- No pre-set spending limit* or finance charges
- Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
- Save 3–25% on business expenses from FedEx, JetBlue®, Hertz®, Hyatt Hotels and Resorts® and more
- Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
- No annual fee for the first year - a savings of $95

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	12 months*	N/A*	N/A*	0 days*	$35.00*	Good*

[8] Discover® More® Card - Biodegradable

More Info

- New biodegradable card plastic breaks down 99% within five years in landfill conditions and leaves no toxic effects behind -- Go Green!
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- No Annual Fee

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
0%*	See T&C.*	11.99%*	$0.00*	25 days*	$39.00*	Excellent*

[9] Chase Sapphire(SM) Card

Terms | More Info

- Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare booked through Ultimate Rewards and 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel and purchase protection benefits
- All of this for no annual fee!

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	Prime Rate + 8.99%*	$0.00*	20 days (Min.)*	$29.00*	Excellent*

[10] Vision Premier® Prepaid Visa® Card

Terms | More Info

- No Credit Check, No Debt, No Interest, No Overdraft Fees
- Free Unlimited Purchases - Signature and PIN
- Free Customer Service
- Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
- Free PayFit Credit Builder - Pay Bills and Build Credit for Free
- Free Text and Email Alerts and Online Access to Access to Track Spending
- Safer Than Cash If Lost of Stolen
- Accepted Everywhere Visa Debit Cards are Accepted

Opening Min	App Fee	Annual Fee	ATM Fee	Other Fees	Credit Reporting	Credit Needed (?)
$10.00	$9.95*	N/A*	$1.95	View	No	Bad Credit OK*

ACH transfer fee
ATM balance inquiry fee (Int'l)
ATM withdrawal Fee (Domestic)
ATM withdrawal decline fee (Int'l)
ATM withdrawal decline fee (Domestic)
ATM withdrawal fee (Int'l)
Bill Pay Fee (electronic and Paper Check)
Bill Pay fee (Check Cancellation)
BuddyMoney transfer fee
Cancellation fee
Card replacement fee
Card-to-Card transfer fee
Cash Advance fee

$0.95
$1.95
$1.95
$1.95
$0.95
$4.95
$0.95
$9.95
$0.95
$14.95
$14.95
$0.95
$4.95

Direct deposit
Domestic signature transaction fee
Express shipping fee
Inactivity fee
Int'l signature transaction fee
Late charge (per day)
Overdraft advance
Overdraft advance fee
PIN transaction decline fee
PIN transaction fee (Domestic and Int’l)
Paper statement fee
SMS/Email alerts fee
Secondary card fee

$0.00
$0.00
$19.95
$3.95
$0.00
$3.00
$50.00
$15.00
$0.95
$0.95
$2.95
$0.00
$9.95

[11] Discover® More® Card - Shamrock

More Info

- 0% APR on Purchases for a FULL 9 months
- 0% APR on Balance Transfers for a FULL 12 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
- 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
0%*	12 months*	as low as 12.99%*	$0.00*	25 days*	$19.00*	Good*

[12] American Express® Premier Rewards Gold Card

More Info

- 15,000 Membership Rewards(R) bonus points when you spend - $1,000 in your first 3 months of Card membership
- Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year
- No annual fee for your first year, a savings of $175

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	N/A*	$0.00*	N/A*	$35.00*	Excellent*

[13] Blue from American Express®

Terms | More Info

- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
0%*	6 months*	as low as 15.24%*	$0.00*	N/A*	N/A*	Excellent*

[14] Platinum Delta SkyMiles® Credit Card from American Express

More Info

- Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds.
*See Card Terms and Conditions

Intro APR	Intro APR Period	APR	Annual Fee	Grace Period	Late Fee	Credit Needed (?)
N/A*	N/A*	14.50%*	$150.00*	N/A*	N/A*	Good*

Check up to 6 cards and

* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

Security Note: All Applications feature Secure SSL Technology.

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Universal Reward Credit card Offers