Universal Rewards Credit Cards

Featured Universal Rewards Credit Card: Discover it® Credit Card
  • Discover it Credit Card
  • Rated: 5.0 out of 5
  • Intro APR: 0%*
  • Regular APR: 10.99% - 22.99% (V)*
  • Annual Fee: $0*

- Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
- Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
- Human. 100% U.S.-based customer service available any time.
- Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
- Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
*Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

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The Discover It credit card provides flexibility to cardholders. With a simple application and cash back with every purchase, it entitles many people to a card with rewards. There are many perks to having the card - including a low APR, no annual fee and the ability to name the payment due date. Read more...

These Reward credit cards offer a variety of incentives and other benefits to the cardholder. There is a range of reward options that should appeal to and meet the needs of most applicants. By using one of these cards for making your day to day purchases in the normal way you can gain valuable redeemable cash back points, attract travel discounts and other benefits. It is a good idea to compare the types of rewards on offer from each card before deciding which one is most suitable for your lifestyle and financial circumstances. Once you have found the card that gives the most value to you, you can apply securely online and in most cases get a quick response to your application.



Universal Rewards Credit Cards Listing

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Discover it® for Students Credit Card
Discover it for Students Credit Card
  • Intro APR: See Terms
  • Intro APR Period: See terms*
  • APR: 12.99% - 21.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The Discover It for Students credit card is unique in that it's flexible for the need of students. It's easy to apply for, involves no annual fee and has an affordable APR. There are also various benefits that students can enjoy throughout the year to make their spending more affordable.

Info Review Benefits Fees
Upromise World MasterCard® Credit Card
Upromise World MasterCard Credit Card
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 20.99% or 12.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The Upromise World MasterCard is unique in that it offers cash back percentages at different levels based on the transaction type with the opportunity to double rewards. This card has no annual fee and gives cardholders the opportunity to save their money or spend it as they please.

Info Review Benefits Fees
US Bank FlexPerks Cash Rewards Visa®
US Bank FlexPerks Cash Rewards Visa
  • Intro APR: 0%
  • Intro APR Period: 15 months*
  • APR: 11.99% - 17.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The US Bank FlexPerks Business Cash Rewards Visa makes it possible to earn cash with every purchase. Depending on the category that is being purchased, the cash rewards are either 1% or 3% of the total purchase. Rewards never expire and there are multiple ways to get the reward on the account.

Info Review Benefits Fees
US Bank FlexPerks Business Travel Rewards Visa® Card
US Bank FlexPerks Business Travel Rewards Visa Card
  • Intro APR: 0%
  • Intro APR Period: 12 months*
  • APR: 11.99% - 17.99% (V)*
  • Annual Fee: $0*
4.5 out of 5

The US Bank FlexPerks Business Travel Rewards Visa is all about travel rewards for the business. Points are earned for every dollar, with the chance to earn double and triple points in selected categories. It's also possible to pool points for better rewards.

Info Review Benefits Fees
Ace Rewards® Visa Credit Card
Ace Rewards Visa Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 13.99% - 22.99% (V)*
  • Annual Fee: $0*
4.0 out of 5

The Ace Rewards Visa card is a card that offers cardholders a number of savings opportunities. The first line of savings is through the Ace Loyalty Rewards Program where use of the card can earn rewards points that can be redeemed through Ace Hardware stores. In addition to reasonable rates and standard fees, cardholders can save.

Info Review Benefits Fees
USAA Cash Rewards™ American Express® Card
USAA Cash Rewards American Express Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.0 out of 5

Earning cash rebates is easier than ever before when you carry this card. Of course, you will also enjoy many other benefits from USAA and American Express, two of the most respected financial services companies in America.

Info Review Benefits Fees
Williams-Sonoma Visa® Signature Card
Williams-Sonoma Visa Signature Card
  • Intro APR: 0%
  • Intro APR Period: 6 months*
  • APR: 13.74%, 17.74% or 21.74% (V)*
  • Annual Fee: $0*
5.0 out of 5

The Williams-Sonoma Visa Signature Card provides an easy way for cardholders to earn free gift cards. The gift cards can be used by the cardholder or given to friends and family. The more the card is used, the more reward points are earned. Additional features include 10% off coupons, free shopping culinary experiences and more.

Info Review Benefits Fees
Harley-Davidson® Visa® Credit Card
Harley-Davidson Visa Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 13.99% - 22.99% (V)*
  • Annual Fee: $0*
4.5 out of 5

The Harley Davidson Visa Credit Card is simple to apply for and is packed with rewards. Points are earned for every dollar spent, which can be turned into cash certificates to be used for a variety of different rewards. Other benefits include no pre-set spending limit as well as online account management tools.

Info Review Benefits Fees
NFL Extra Points Credit Card
NFL Extra Points Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 14.99% to 22.99% (V)*
  • Annual Fee: $0*
4.0 out of 5

The NFL Extra Points Credit Card provides football fans with a way to have more buying power and more spending power. The card can be used anywhere that Visa is accepted - and points are earned with every dollar spent. Rewards are comprehensive, including the ability to use them for game tickets, field passes, gift cards or even statement credits.

Info Review Benefits Fees
USAA Rewards™ American Express® Card
USAA Rewards American Express Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.0 out of 5

USAA is one of the most popular and consistently well-regarded financial services company in the United States. The USAA Rewards American Express card is a fine example of the quality products they provide.

Info Review Benefits Fees
Barclaycard® Rewards MasterCard® - Average Credit
Barclaycard Rewards MasterCard - Average Credit
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 24.99% (V)*
  • Annual Fee: $0*
4.0 out of 5

The Barclaycard Rewards MasterCard provides cardholders with points. The no annual fee card features no cash back limits, no blackout dates and no expirations. As cardholders spend with the card, they earn more points. The points can then be redeemed for travel, dining, shopping and other rewards as they desire.

Info Review Benefits Fees
USAA Rewards™ World MasterCard
USAA Rewards World MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.5 out of 5

When you carry this credit card you will get the convenience global purchasing power of a World MasterCard as well as the award-winning customer service of one of the best financial services offered by USAA.

Info Review Benefits Fees
USAA Cash Rewards Platinum Visa® Credit Card
USAA Cash Rewards Platinum Visa Credit Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.0 out of 5

The USAA Cash Rewards Visa is a simple card to apply for. The benefits include earning cash back for every purchase that is made. Additionally, card features include online account tools, no annual fees as well as flexibility in making payments.

Info Review Benefits Fees
USAA Active Military World MasterCard®
USAA Active Military World MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.0 out of 5

The USAA Active Military MasterCard is a simple card to apply for. Cardholders choose whether they want rewards or a cash rebate. There is no limit to the amount of points or rebates that can be earned. For those being deployed, there are also other benefits of the card.

Info Review Benefits Fees
USAA Cash Rewards™ World MasterCard
USAA Cash Rewards World MasterCard
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: as low as 9.90% (V)*
  • Annual Fee: $0*
4.0 out of 5

Cash rewards are easy to earn with credit card like this one. Other simple benefits and convenient services make this card one to watch for in today's competitive financial services industry.

Info Review Benefits Fees
Simmons First Visa® Platinum Rewards
Simmons First Visa Platinum Rewards
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.25%*
  • Annual Fee: $0*
5.0 out of 5

Get precise control over card debt with a Simmons First Visa Platinum Rewards credit card that gives you a fixed interest rate. You'll earn travel rewards and have platinum benefits that attend to your interests.

Info Review Benefits Fees
PenFed Premium Travel Rewards American Express® Card
PenFed Premium Travel Rewards American Express Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The PenFed Premium Travel Rewards American Express Card is a credit card designed to give cardholders more. With opportunities to earn and receive rewards and benefits, this high-end card is a must-have.

Info Review Benefits Fees
PenFed Visa Platinum Cash Rewards Card
PenFed Visa Platinum Cash Rewards Card
  • Intro APR: N/A
  • Intro APR Period: N/A*
  • APR: 9.99% (V)*
  • Annual Fee: $0*
5.0 out of 5

The PenFed Visa Platinum Gas / Cash Rewards Cards is a credit card for eligible United States residents looking for a card that offers more. This card has many attractive features including a free rewards program.

Info Review Benefits Fees



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