If you’re looking for ways to earn rewards and save money, point credit cards could be an excellent option for you. With a point credit card, you can earn points for every purchase you make, which can be redeemed for rewards like travel, merchandise, and cash back. However, with so many different credit cards available, it can be challenging to know which one is right for you. To help you make an informed decision, we’ve put together a list of some of the best point credit card offers currently available. From generous signup bonuses to flexible redemption options, these cards offer a wide range of benefits that can help you maximize your rewards and save money on everyday purchases. Let’s take a closer look at some of the most popular point credit cards on the market today.
The Top 10 Point Credit Card Offers of 2021
If you’re someone who loves to travel, dine out, or shop frequently, then a point credit card is an excellent option for you to consider. With so many credit cards in the market, it can be overwhelming to select the best one that aligns with your financial goals and lifestyle. Here are the top 10 point credit card offers to help you make an informed choice.
Chase Sapphire Preferred
Chase Sapphire Preferred is one of the most popular point credit cards on the market due to its extensive travel rewards and flexible point redemption options. You can earn up to 100,000 bonus points that you can redeem for travel, dining or as cashback. You can also transfer points to airline and hotel loyalty programs.
Citi Double Cash Card
If you’re looking for a cashback credit card with no annual fees, then Citi Double Cash Card is an excellent choice. You earn 2% cashback on all purchases – 1% at the point of sale and another 1% when you pay off the balance.
Capital One Venture Rewards Card
If you like travel rewards but prefer a simple and straightforward redemption process, then Capital One Venture Rewards Card is the perfect fit. You earn 2x miles on every purchase, and you can redeem them as travel statement credits or transfer them to travel partners.
American Express Gold Card
The American Express Gold Card is designed for foodies. With 4x points on dining, groceries, and takeout purchases, you can earn rewards quickly. Additionally, you get up to $120 in dining credits and $120 in Uber credits per year, making it an excellent value for frequent diners.
The Platinum Card from American Express
If you’re someone who values premium travel perks, then the Platinum Card from American Express is your go-to card. With airport lounge access, travel credits, and 5x points on flights booked directly with airlines, The Platinum Card provides exceptional rewards for travelers.
Chase Freedom Unlimited
If you want a card with no annual fees and unlimited cashback, then the Chase Freedom Unlimited card is an excellent choice. You earn 5% on travel purchases through Chase Ultimate Rewards, 3% on dining and drugstores, and 1.5% cashback on all other purchases.
Bank of America Premium Rewards Credit Card
The Bank of America Premium Rewards credit card offers exceptional rewards to frequent travelers and Bank of America Preferred Rewards clients. You can earn 2x points on travel and dining purchases, up to $100 airline incidental credits annually, and up to $100 TSA PreCheck or Global Entry application fee credits.
Citi Premier Card
If you value flexibility in point redemption, the Citi Premier Card is an excellent option with no annual fees. You earn 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and you can transfer points to airline and hotel travel partners.
The World Of Hyatt Credit Card
If you’re loyal to Hyatt Hotels and Resorts, then The World Of Hyatt Credit Card is a must-have. You earn up to 9x points on Hyatt stays, and you can redeem them for free nights, upgrades, or transfer them to airline partners.
Hilton Honors American Express Surpass Card
The Hilton Honors American Express Surpass Card is perfect for those who appreciate Hilton hotels’ luxury amenities. You earn up to 12x Hilton Honors points on Hilton hotel stays, and you can redeem them for free hotel nights, upgrades, or transfer them to airline partners.
In conclusion, selecting the best point credit card may require some research, but the rewards are worth it. Determine your financial goals and lifestyle, and choose a credit card that offers maximum rewards and flexibility in point redemption.
Cash Back Point Credit Cards
Cash back point credit cards are a great way to earn rewards and get cash back on your everyday spending. These cards offer you a percentage of your spending back in cash, which you can use to pay off your balance, save for future purchases or put in your pocket.
1. Discover it® Cash Back – Discover it® Cash Back is a popular cash back credit card that offers rewards on everyday spending. The card offers 5% cash back on rotating categories each quarter (up to the quarterly maximum), and 1% cash back on all other purchases. Discover it® Cash Back also offers a cash back match at the end of your first year with the card.
2. Chase Freedom Unlimited® – Chase Freedom Unlimited® is another popular cash back credit card that offers flat cash back on every purchase. The card offers 5% cash back on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases.
3. Citi® Double Cash Card – The Citi® Double Cash Card is a unique cash back credit card that offers 1% cash back on all purchases, and another 1% cash back when you pay your balance. Essentially, you can earn up to 2% cash back on all your spending.
4. Capital One® SavorOne℠ Cash Rewards Credit Card – The Capital One® SavorOne℠ Cash Rewards Credit Card is a great card for foodies. The card offers 3% cash back on dining, entertainment, and popular streaming services, and 1% cash back on all other purchases.
5. Blue Cash Everyday® Card from American Express – The Blue Cash Everyday® Card from American Express is a popular cash back credit card that offers rewards on everyday purchases. The card offers 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.
6. Bank of America® Cash Rewards credit card – The Bank of America® Cash Rewards credit card is a flexible cash back card that offers 3% cash back in a category of your choice (gas, online shopping, dining, travel, drug stores or home improvement/furnishings). You’ll also earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined bonus category/grocery store/wholesale club purchases each quarter), and 1% cash back on all other purchases.
7. American Express® Cash Magnet® Card – The American Express® Cash Magnet® Card is a straightforward cash back credit card that offers a flat rate of 1.5% cash back on all purchases. The card also comes with a welcome offer of $150 cash back after you make $1,000 in purchases within the first 3 months of account opening.
8. Amazon Prime Rewards Visa Signature Card – The Amazon Prime Rewards Visa Signature Card is a cash back card that is ideal for frequent Amazon shoppers. The card offers 5% cash back on all purchases made on Amazon.com and at Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
9. U.S. Bank Cash+™ Visa Signature® Card – The U.S. Bank Cash+™ Visa Signature® Card is a rewards card that lets you choose your own bonus categories. You can earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice, and 2% cash back on one everyday category, like gas or groceries.
10. Wells Fargo Propel American Express® card – The Wells Fargo Propel American Express® card is a no-annual-fee rewards card that offers a large welcome bonus and rewards on popular spending categories. You can earn 3X points on eating out, ordering in, gas stations, rideshares, transit, flights, hotels, homestays, and car rentals, and 1X points on all other purchases. Plus, new cardholders can earn a welcome bonus of 20,000 bonus points (worth $200) after spending $1,000 on purchases in the first 3 months.
Top 5 Point Credit Card Offers
Credit card rewards programs are becoming increasingly popular, especially when it comes to earning points. These points can often be redeemed for travel, gift cards, merchandise, and more. With so many options available, it can be difficult to choose the best credit card for earning points. In this section, we will highlight the top 5 point credit card offers.
1. Chase Sapphire Preferred
The Chase Sapphire Preferred is a popular choice for anyone looking to earn points. This credit card offers 2 points per $1 spent on travel and dining, and 1 point per $1 spent on all other purchases. Additionally, new cardholders can earn 80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. The card has an annual fee of $95, which is waived for the first year.
|Generous sign-up bonus
|Annual fee after the first year
|2X points on travel and dining
|No introductory 0% APR
2. Capital One Venture Rewards
The Capital One Venture Rewards credit card is another great option for earning points. It offers 2 miles per $1 spent on all purchases, and new cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months from account opening. There is a $95 annual fee for this card, which is also waived for the first year.
|No foreign transaction fees
|Annual fee after the first year
|2 miles per $1 spent on all purchases
|No bonus categories for earning points
3. American Express Gold Card
The American Express Gold Card is a premium credit card that offers generous rewards for dining and grocery purchases. It offers 4 points per $1 spent at restaurants and at U.S. supermarkets (on up to $25,000 per year in purchases, then 1 point per $1 spent), and 1 point per $1 spent on all other purchases. New cardholders can earn 60,000 Membership Rewards points after spending $4,000 in the first 6 months of account opening. There is an annual fee of $250 for this card.
|Generous rewards for dining and grocery purchases
|High annual fee
|4X points at restaurants and U.S. supermarkets
|Limited travel benefits
4. Citi Premier Card
The Citi Premier Card is an excellent choice for those looking to earn bonus points on travel purchases. It offers 3 points per $1 spent on airfare, hotels, gas stations, restaurants, and supermarkets, and 1 point per $1 spent on all other purchases. New cardholders can earn 60,000 bonus points after spending $4,000 within the first 3 months of account opening. The card has an annual fee of $95.
|Generous rewards on travel purchases
|No intro APR on purchases or balance transfers
|Flexible redemption options
|Not as many travel benefits as other cards
5. Chase Freedom Unlimited
The Chase Freedom Unlimited credit card is a great option for earning points on everyday purchases. It offers 1.5% cashback on all purchases, and new cardholders can earn a $200 bonus after spending $500 on purchases in the first 3 months of account opening. There is no annual fee for this card.
|No annual fee
|The 1.5% cashback rate is lower than some other cards
|Generous sign-up bonus
|No bonus categories for earning points
In conclusion, choosing the best credit card for earning points depends on your spending habits and preferences. Consider the rewards rates, sign-up bonuses, and annual fees before making a decision. With any of these top 5 point credit card offers, you’ll be well on your way to earning rewards for your everyday spending.
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What Are The Pros of Best Point Credit Card Offers?
When it comes to credit cards, point-based rewards programs have become increasingly popular over the years. These programs offer a range of benefits to users, making them one of the most sought-after types of credit card offers.
Here are some of the advantages of using the best point credit card offers:
1. Flexibility and Versatility
Perhaps one of the biggest advantages of point-based rewards programs is the flexibility they offer. Users can accumulate points and then redeem them for a wide range of rewards, including travel, merchandise, statement credits, gift cards, and more.
This versatility means that users have a lot of options when it comes to making the most of their rewards. They won’t be limited to just one type of redemption, and they can choose the option that best fits their needs and preferences.
2. Generous Sign-Up Bonuses
Many of the best point credit card offers come with generous sign-up bonuses. These bonuses sometimes offer tens of thousands of points for users who meet certain spending requirements within a set timeframe.
These bonuses can be incredibly valuable, allowing users to quickly accumulate a significant number of points right from the start.
3. High Rewards Rates
Point-based rewards credit cards often come with high rewards rates. For example, a credit card might offer 3x or 4x points per dollar spent in certain categories, such as travel, dining, or groceries.
With these high rewards rates, users can earn a significant number of points quickly, making it easier to earn valuable rewards.
4. Travel Perks
Many point-based rewards programs are focused on travel rewards. This means that users can often earn points that can be redeemed for flights, hotels, rental cars, and more.
In addition to these rewards, many credit cards offer additional travel perks, such as airport lounge access, TSA PreCheck or Global Entry fee credits, and more.
5. No Expiration Dates
Some rewards programs have expiration dates on points, which means that users have to use them within a certain timeframe before they expire. With point-based rewards credit cards, however, there are often no expiration dates on points.
This means that users can accumulate points over time and use them whenever they want, without worrying about them expiring.
6. Cashback Options
While many point-based rewards programs focus on travel and merchandise, some credit cards also offer the option to redeem points for cashback.
This cashback option can be incredibly valuable, as it allows users to use their points to offset their credit card bills or use the money for other purposes.
7. Fraud Protection
Many point-based rewards credit cards offer fraud protection, which means that users won’t be held responsible for fraudulent purchases made with their card.
This can provide peace of mind to users who are worried about identity theft or other types of credit card fraud.
8. Special Access and Events
Some credit cards offer exclusive access to events and experiences that might not be available to the general public. This can include things like sporting events, concerts, or other types of special events.
These exclusive opportunities can be incredibly valuable, especially for users who are interested in experiencing unique events and opportunities.
9. No Foreign Transaction Fees
Many credit cards charge foreign transaction fees when users make purchases outside of the United States. However, many point-based rewards credit cards waive these fees, making them a great option for users who frequently travel internationally.
10. Opportunity to Build Credit
Using a point-based rewards credit card responsibly can help users build their credit over time. By making on-time payments and keeping their credit utilization low, users can improve their credit scores and qualify for better credit cards and other financial products in the future.
Overall, the best point-based credit card offers offer a range of benefits to users, from generous sign-up bonuses to versatile redemption options and more. As with any type of credit card, it’s important to carefully review the terms and conditions and use the card responsibly to get the most out of these rewards.
Thanks for reading
We hope that this article has given you a good idea of the best point credit card offers available. Remember, always read the terms and conditions carefully and choose the card that suits your lifestyle the best. Don’t forget to visit us again for more updates on credit card offers and other financial tips. Have a happy shopping and a great day!