Compare Rewards Points Credit Cards

Rewards points credit cards are a type of credit card that you can earn points when making purchases. These credit card rewards points can be redeemed for free merchandise, travel, cash back, gift cards, and more. Different credit cards offer different amounts of reward points, and certain cards offer more rewards points for certain types of purchases (such as purchases made at department stores, gas stations, or hardware stores.) Compare rewards points credit cards below using our comparison tool.

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    Citi® Hilton HHonors™ Reserve Card

    Expert Rating: 4.75 / 5 stars -
    4.75
    1
    • Intro APR

      N/A
    • Regular APR

      15.24%* (Variable)
    • Balance Transfer

      15.24%* (Variable)
      Ongoing
    • Average Savings

      $623.50 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $214.20 $214.20 $214.20 $642.60
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $285.60 $285.60 $285.60 $856.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $353.70 $353.70 $353.70 $1,061.10
    * This card offers 10 bonus points for every dollar spend within the Hilton HHonors portfolio, and 5 bonus points for every $1 spent on airline and car rental purchases. Creditnet assumes 35% of purchases made with these cards are on these premium purchases (estimated at $.075), with the remaining 65% of purchases receiving the standard 3 bonus points per dollar spent (estimated at $.03).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    * This card rewards cardholders that spend $10,000 each cardmembership year with one free weekend night at eligible Hilton hotels, which Creditnet estimates at a $150 value.
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * Cardholders that spend $2,500 within the first four months of cardmembership earn two weekend night certificates at select Hilton hotels, which Creditnet estimates at a $300 value.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$95.00 -$95.00 -$95.00 -$285.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $623.50 $758.50 $758.50 $2,140.50
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Citi® Hilton HHonors™ Reserve Card Summary

    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*

    • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*

    • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*

    • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*

    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*

    • No foreign transaction fees on purchases*

    • Travel with ease and enjoy global acceptance with your Citi chip credit card

    MyRatePlan's Expert Rating & Review

    Citi® Hilton HHonors™ Reserve Card review written by and updated on .

    Expert Rating: 4.75 / 5 stars

    4.75
    • Pros:

      The Citi® Hilton HHonors™ Reserve Card offers 10 HHonors Bonus Points for every dollar spent at hotels within the Hilton HHonors portfolio, which is a pretty large number of hotels. If you make sure to always stay at Hilton HHonors hotels, then you can rack up a ton of points just from hotel stays. The 5 HHonors Bonus Points earned per dollar spent on airfare and car rentals is another way this card turns out to be a great all-around credit card for travel. The card also offers 3 HHonors Bonus Points for every dollar spent on every other purchase. In addition, the card charges no foreign transaction fees, and offers 2 weekend night certificates for use with certain hotels within the Hilton HHonors portfolio after you make $2,500 in purchases within 4 months of having the card.

    • Cons:

      The card doesn't offer a 0% intro period on purchases or balance transfers, but if you pay your balance off in full each month, this shouldn't matter.

    • Our Final Take:

      The Citi® Hilton HHonors™ Reserve Card is a great card for people with excellent credit who like to travel. If you spend a lot of money on travel, and want to earn big rewards for doing so, then this might be the card for you.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Citi® Hilton HHonors™ Reserve Card

    • Intro APR

      0%
      12 months*
    • Regular APR

      12.99% - 22.99%* (Variable)
    • Balance Transfer

      0%
      12 months*
    • Average Savings

      $2,013.60 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $315.45 $315.45 $1,530.90
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $1,200.00 $420.60 $420.60 $2,041.20
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $48.60 $48.60 $48.60 $145.80
    * We assumes that 35% of purchases made with this card are on dining and entertainment. These premium purchases are worth 2 points estimated at $.02 per dollar. We then assume that the remaining 65% of purchases qualify for the standard one point per $1 spent ($.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * Cardholders earn 20,000 bonus ThankYou Points after spending $1,500 in purchases in the first 3 months of account opening.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $2,013.60 $784.65 $784.65 $3,582.90
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points Summary

    • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!

    • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*

    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*

    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases

    • Points do not expire and earn unlimited Thank You Points

    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more

    • Travel with ease and enjoy global acceptance with Chip Technology

    • No annual fee*

    MyRatePlan's Expert Rating & Review

    Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points review written by and updated on .

    Expert Rating: 4.75 / 5 stars

    4.75
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points

    Citi® Hilton HHonors™ Visa Signature® Card

    Expert Rating: 4.65 / 5 stars -
    4.65
    1
    • Intro APR

      N/A
    • Regular APR

      14.24% or 16.24%* (Variable)
    • Balance Transfer

      14.24% or 16.24%* (Variable)
      Ongoing
    • Average Savings

      $1,187.70 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $259.20 $259.20 $259.20 $777.60
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $345.60 $345.60 $345.60 $1,036.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $117.90 $117.90 $117.90 $353.70
    * This card includes up to 6 HHonors points for every $1 spent on various Hilton purchases. Creditnet assumes that 35% of purchases made with this card are on eligible Hilton HHonors purchases, which Creditnet estimates on average at $.075 per dollar spent. Creditnet then assumes that the remaining 65% of purchases qualify for the standard one mile per $1 spent ($.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $600.00 $0.00 $0.00 $600.00
    * Cardholders that spend $1,000 within four months of account opening earn 40,000 HHonors Bonus Points. Creditnet's unendorsed estimate is that one HHonors point on average is worth $0.015, making 40,000 bonus points equal to $600 in hotel rewards. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,187.70 $722.70 $722.70 $2,633.10
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Citi® Hilton HHonors™ Visa Signature® Card Summary

    • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*

    • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*

    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*

    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*

    • No annual fee.*

    MyRatePlan's Expert Rating & Review

    Citi® Hilton HHonors™ Visa Signature® Card review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    • Pros:

      The card offers a large bonus of 40,000 Hilton HHonors Bonus Points after spending $1,000 on purchases in the first four months of having the card. The card also offers 6 HHonors Bonus Points for every dollar spent at a Hilton HHonors portfolio hotel, 3 HHonors Bonus Points for each dollar spent at supermarkets, drugstores, and gas stations, and 2 HHonors Bonus Points for every dollar spent anywhere else. The card also doesn't require an annual fee.

    • Cons:

      There is no intro period of 0% APR on purchases or balance transfers, but this doesn't matter if you pay your balance off in full each month.

    • Our Final Take:

      This card is one of the better hotel rewards credit cards on the market today. The Citi® Hilton HHonors™ Visa Signature® Card offers great rewards and points through the Hilton HHonors portfolio of hotels. If you like the Hilton hotels, then this may be the card for you.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Citi® Hilton HHonors™ Visa Signature® Card

    • Intro APR

      0%
      12 Months
    • Regular APR

      14.99% or 18.99%* Variable
    • Balance Transfer

      0%
      12 months
    • Average Savings

      $2,017.20 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $225.45 $225.45 $1,350.90
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $1,200.00 $300.60 $300.60 $1,801.20
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $97.20 $97.20 $97.20 $291.60
    * This card offers cardholders double miles on all purchases, estimated at $.02 per dollar spent.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * This card rewards cardholders that spend $1,000 in the first 90 days with a one-time bonus of 40,000 bonus miles, equal to $400 in travel according to Barclaycard.
    Balance Transfer Cost ? -$180.00 -$0.00 -$0.00 -$180.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$89.00 -$89.00 -$178.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $2,017.20 $534.25 $534.25 $3,085.70
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases Summary

    • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!

    • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.

    • Earn 2X miles on all purchases

    • No mileage caps or foreign transaction fees

    • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)

    • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions

    • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days

    • Complimentary online FICO® Score access for Arrival cardmembers

    MyRatePlan's Expert Rating & Review

    Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

    Citi ThankYou® Premier Card

    Expert Rating: 4.65 / 5 stars -
    4.65
    1
    • Intro APR

      N/A
    • Regular APR

      13.99% - 22.99%* (Variable)
    • Balance Transfer

      13.99% - 22.99%* (Variable)
      Ongoing
    • Average Savings

      $496.66 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $270.45 $270.45 $270.45 $811.35
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $360.60 $360.60 $360.60 $1,081.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $0.61 $0.61 $0.61 $1.84
    * We assume that 35% of purchases made with this card are on airfare, hotels, dining, or entertainment. These premium purchases are worth 2 ThankYou Points and 3 ThankYou Points respectively, estimated at $0.025 per dollar spent and $0.0375 per dollar spent, respectively. Creditnet then assumes that the remaining 65% of purchases qualify for the standard one ThankYou Point per $1 spent ($.0125).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening. Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$125.00 -$125.00 -$250.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $496.66 $506.66 $506.66 $1,509.99
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Citi ThankYou® Premier Card Summary

    • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards

    • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening

    • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember

    • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment

    • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels

    • Earn 1 ThankYou Point per $1 spent on other purchases

    • Points do not expire and earn unlimited Thank You Points

    • Travel with ease and enjoy chip based technology

    MyRatePlan's Expert Rating & Review

    Citi ThankYou® Premier Card review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Citi ThankYou® Premier Card

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    How do standard rewards credit cards work?

    With shopping rewards credit cards with the Visa or MasterCard logo on them, you are basically signing up for a standard credit card. They are accepted most places, like standard credit cards. The APR and credit limit on these cards should be comparable to any other standard credit card.

    With these standard shopping rewards credit cards, you accumulate credit card rewards with your purchases. Most of these cards give you a small reward for all of your shopping and a larger reward when you shop at the linked store. For example, an Amazon.com store credit card gives you 3 points for every purchase with Amazon and 1 point for every purchase anywhere else.

    Some shopping rewards credit cards also give additional rebates for purchases of food and gas. For example, the Costco store credit card gives you 3% back on purchases at gas stations and restaurants.

    Specific Store/Retailer Credit Cards

    With store credit cards that aren’t standard credit cards, you can only use your the card at that particular store and its affiliates. These shopping rewards credit cards usually have much lower credit limits and much higher APRs. However, they occasionally offer exclusive discounts and greater rewards than a generic credit card or other rewards card.

    If you do a lot of shopping at a specific store, then a shopping rewards credit card with that store may be a good idea for you. With store rewards credit cards, you may get large coupons and special discounts. Some stores like J. Crew have private shopping events for their credit card holders.

    Some stores may also give you bonus points or discounts when you apply. This can be a good deal if you have a particular purchase in mind, and you have also been planning on getting a store credit card.