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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 25 Cards - Sort Card Offers or Compare

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Check up to 6 cards and

[1] Discover® More® Card - Biodegradable

More Info

- 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
- Up to 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	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	as low as 11.99%*	$0.00*	25 days*	Excellent*

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

[3] American Express® Premier Rewards Gold Card

More Info

- 3-2-1 Points: 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
- No annual fee for your first year, a savings of $175
- Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year

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

[4] 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 & 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 Advisor (No Voice Recording)
- Premier Travel Protection Benefits
- All of this for No Annual Fee!

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	12.24% (Variable)*	$0.00*	20 days (Min.)*	Excellent*

[5] Chase Sapphire(SM) Preferred Card

More Info

- Earn a FREE FLIGHT - that's 25,000 bonus points after you spend $3,000 in the first 3 months!
- 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
Points are worth 25% more when you redeem for travel through Ultimate Rewards
- 7% annual points dividend - earn bonus points on your points
- 1:1 points transfer to leading airline and hotel programs
- 24/7 Dedicated expert service advisors (No voice recording)
- No Annual Fee for your first year - An $85 value

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	12.24% (Variable)*	$85.00*	21 days*	Excellent*

[6] 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	N/A*	$125.00*	0 days*	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
- 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	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	12 months*	N/A*	N/A*	0 days*	Good*

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

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.
- 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 6 months
- No annual fee with your paid Costco Membership
- Flexible payments - pay in full or over time
- No annual fee for Additional Cards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	up to 6 months on Purchases*	15.24%*	$0.00*	20 days*	Good*

[9] 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	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	14.50%*	$150.00*	N/A*	Good*

[10] ZYNC from American Express(SM)

More Info

- Earn 10,000 Membership Rewards® points after first purchase
- 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	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	N/A*	$25.00*	None*	Good*

[11] Discover® More® Card - Black

More Info

- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99%*	$0.00*	25 days*	Good*

[12] Chase Freedom℠ Master Credit Card

Terms | More Info

- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	12.99% - 22.99% (Variable)*	$0.00*	20 days*	Good*

[13] Discover® Mix Tape Student Card

More Info

- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	as low as 13.99%*	$0.00*	25 days*	Good*

[14] Citi Forward® Card

Terms | More Info

- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No Annual Fee.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	12.99% - 19.99% (Variable)*	$0.00*	20 days (Min.)*	Good*

[15] AT&T Universal Business Rewards Card

Terms | More Info

- 0% APR on Purchases for 6 Months
- Earn 5 ThankYou Points For Every Dollar You Spend On Eligible AT&T Products and Services
- Earn 3 ThankYou Points For Every Dollar Spent On Purchases at Certain Office Supply Merchants, Gas Stations, and On Professional Services
- 1 ThankYou Point For Every Dollar Spent On Other Purchases
- Additional Cards For Employees With Credit Limits You Set
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	16.99%*	$0.00*	20 days*	Good*

[16] PenFed Visa Platinum Gas / Cash Rewards Card

Terms | More Info

- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- No Balance Transfer Fees
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
4.99%*	24 months*	13.99%*	$0.00*	25 days*	Good*

[17] Chase Freedom℠ Visa Card

Terms | More Info

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	12.99% - 22.99% (Variable)*	$0.00*	20 days*	Good*

[18] Upromise® World MasterCard® with Gas & Grocery Rewards

More Info

- 10% extra college savings on thousands of eligible grocery and drugstore items
- 2% extra college savings on eligible gas purchases at Exxon and Mobil locations
- 1% college savings on every purchase
- Get $25 college savings bonus after the first qualified use of your account
- No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	7 - 10 months*	20.99 - 12.99%*	$0.00*	25 days*	Good*

[19] Ink℠ Bold with Ultimate Rewards℠

Terms | More Info

- Earn over 50,000 bonus points in your first year
Unlimited rewards for you and your business – and points never expire
- Earn up to 47,500 bonus points every year
- 5,000 bonus points after your first purchase redeemable for $50 cash back
- Points are 25% more valuable than American Express Membership Rewards points when you book travel through Ultimate Rewards*
- No Interest Expense and 30 days to pay with this pay-in-full charge card
- First year free ($95 value)

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	N/A*	$0.00*	30 days*	Good*

[20] Ink Cash℠ Business Card

Terms | More Info

- 3% cash back on fuel, home improvement, dining and office supply purchases
- Unlimited 1% cash back on all other purchases
- No limit to the number of points you can earn
- Up to 10 points for $1 spent when you shop online through Chase Rewards Plus
- Free additional cards for employees
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	as low as 11.24%*	$0.00*	20 days*	Good*

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* 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