Reward Credit Cards (Shopping)



In this section, we focus on reward credit cards that offer great shopping rewards because many consumers use their reward points for shopping rather than travel rewards.

Editor's Choice List - Best Reward Credit Cards (for shopping)


Best Feature Packed Shopping Reward Card


discover platinum card
The Discover Platinum Card is marketed as a cash rebate credit card, but in our opinion, is actually a very good shopping reward credit card. It has a few features that will appeal to those who like to use reward points for gift certicates or who like to hunt for discounts when shopping online. Here is what you get with this card :

  • Earn 5% rebates when you purchase from merchants of GET MORE MERCHANTS- here is a sample of merchants, which change every month : Bed, Bath and Beyond, Lowes, The Home Depot

  • DOUBLE the value of your cash rebates when you exchange them for gift certificates of merchant partners - this is the most important feature as it gives you the most bang for the buck

  • You can use Discover cards at SHOP DISCOVER (Discover's online merchant partners) and get either cash rebates or discounts (for example, you can get discounts at overstock.com or Barnes and Nobles)


  • It is best to check out Discover's merchant partners to see if you will make use of their rewards. See our review of the Discover Platinum Card

    Best Bang for the Buck - Earn 5 points for every dollar spent on "everday purchases"


    citi diamond preferred rewards card
    The Citi� Diamond Preferred� Rewards Card is the only reward credit card in the market that allows you to earn 5 points for every dollar you spend on groceries, gasoline and drugstores. This allows you to accumulate points very quickly. The reward program is very comprehensive and has lots of reward items.

    Best Reward Progam?


    american express blue cash
    The American Express Membership Rewards is perhaps the most comprehensive reward program. Previously, you had to get their charge cards to get access to their program. The charge cards come with annual fee of over one hundred dollars. Now, American Express has introduced the Blue Card with no annual fee and has almost identical rewards with the Membership Rewards program.

    New "CITY REWARDS" Card


    in nyc card
    I would also like to mention a new type of reward card introduced by American Express, which we will call the "city card". They first introduced the IN:NYC� Card from American Express. This card is targeted at New York City residents who want to earn reward points and use them at "cool places" which they hang out in New York. The rewards consist of dining, bars and theatre rewards. This card has been successful and two new cards, IN:LASM Card from American Express� and IN:CHICAGOSM Card from American Express� have been introduced.

    Directory of Reward Program Credit Cards


    Discover Platinum Card
    Intro APR 0% APR on balance transfers for 12 months
    APR Prime Rate plus 3.99% to 10.99%
    Annual Fees No annual fee
    Reward Formula Tiered rebate formula based on annual expenditure
    Earn 5% CashBack on Get More Purchase
    Earn up to 1% rebate on purchases
    Earn double rebates if cash rebates are exchanged for gift certificates or gift cards.
    discover platinum
    Review

    Blue from American Express®
    Intro APR 3.99% APR for life of balance transfers
    APR Prime Rate plus 3.99%, 5.99%, 8.99% or 10.99%
    Annual Fee No annual fee
    Reward Formula 1 point for $1.00 spent on purchase
    Point Expiry Points do not expire
    Caps on Points Earn unlimited Points
    american express blue
    Review


    American Express® Rewards Gold Card
    Signing Bonus 5,000 points
    Reward Formula 1 point per $1 spent on purchases
    2 points per $1 spent on standalone supermarkets, gasoline stations and drug stores
    Expiration Membership Rewards do not expire
    Caps on Points Earn unlimited points
    Annual Fees $90.00 - first year fee waived for both main and one additional cardholder
    american express rewards gold card
    Review

    American Express® Rewards Green Card
    Signing Bonus 5,000 points
    Reward Formula 1 point per $1 spent on purchases
    2 points per $1 spent on standalone supermarkets, gasoline stations and drug stores
    Expiration Membership Rewards do not expire
    Caps on Points Earn unlimited points
    Annual Fees $65.00 - first year fee is waived for both the main one additional cardholder
    american express rewards green card
    Review

    American Express NYC Card
    Intro APR 0% APR for 6 months on purchases and balance transfers (during application)
    APR Prime Rate plus 3.99%, 5.99%, 7.99%, 9.99% or 11.99%
    Annual Fee No annual fee
    Reward Formula 2 points per $1 spent on New Tork City essentials like dining, movie tickets, cell phone, cable and internet services, gym and health club memberships and newspaper/magazine subscribtion
    Earn 1 point for every dollar you spend on other purchases
    Point Expiry Points do not expire
    Caps on Points Earn unlimited Points
    american express nyc card
    Review

    American Express IN:Chicago Card
    Intro APR 0% APR for 6 months on purchases and balance transfers (during application)
    APR Prime Rate plus 3.99%, 5.99%, 7.99%, 9.99% or 11.99%
    Annual Fee No annual fee
    Reward Formula 2 points per $1 spent on Chicago City essentials like dining, movie tickets, cell phone, cable and internet services, gym and health club memberships and newspaper/magazine subscribtion
    Earn 1 point for every dollar you spend on other purchases
    Point Expiry Points do not expire
    Caps on Points Earn unlimited Points
    american express in chicago
    Review

    American Express IN:LA Card
    Intro APR 0% APR for 6 months on purchases and balance transfers (during application)
    APR Prime Rate plus 3.99%, 5.99%, 7.99%, 9.99% or 11.99%
    Annual Fee No annual fee
    Reward Formula 2 points per $1 spent on LA City essentials like dining, movie tickets, cell phone, cable and internet services, gym and health club memberships and newspaper/magazine subscribtion
    Earn 1 point for every dollar you spend on other purchases
    Point Expiry Points do not expire
    Caps on Points Earn unlimited Points
    american express in la
    Review

    Citi® Diamond Preferred Rewards® Card
    Intro APR 0% APR for 12 months (balance transfer).
    Balance transfer can be done within 12 months and 0% will apply from date of transfer
    APR Prime Rate plus 4.99%
    Annual Fees No annual fee
    Reward Formula 5 points for every $1 spent at supermarkets, drug stores and gas stations
    1 point per $1 spent on other purchases
    Points Expiry 31st December of 5th calender year
    Caps on Points 75,000 points per calender year
    citi diamond preferred rewards card
    Review

    Chase Flexible Rewards Platinum Visa®
    APR Prime Rate plus 5.99%, 9.99% or 14.99%
    Annual Fees No annual Fee
    Reward Formula 1 mile per $1 spent on purchases
    Caps on Points Earn up to 60,000 points
    Up to 5,000 points a month
    chase flexible rewards





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