Flexible Reward Credit Cards


Experienced and long time credit card users will often quickly come to realize that credit card offers that feature versatile rewards programs and bonus packages can prove to be the greatest bang for their buck over time-- cards that offer the widest overall range of bonuses and rewards programs can hold the potential for providing consumers and small businesses with the best of both worlds in a number of ways, in addition to rewarding their users with some nice, yet unexpected additional perks that can include everything from periodic gift cards to exceptionally unique travel opportunities and airline bonuses.

If you're hoping to qualify for a credit card that provides you with the largest overall quantity of rewards programs and bonus perks, while still maintaining the well-rounded introductory rates and long term savings and conveniences that you can expect to enjoy with any high quality credit card offer, the following list of flexible rewards credit card offers is most likely where you will want to begin your search. Unsatisfied with the most par for the course among flexible rewards cards? Check back often for the latest in featured credit card offers in our flexible rewards category, and you'll be able to take advantage of some of the greatest rewards programs online as soon as they become available.

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USAA® Rewards™ American Express® Card

  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 12.15% - 28.15% variable Regular APR on purchases, balance transfers and onvenience checks Flexible Options 7

USAA® Rewards™ Visa Signature® Card

  • Earn 2X points per dollar spent on gas and dining with no cap
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 12.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Flexible Options 1

Luxury Card™ Mastercard® Titanium Card™

  • Brushed Stainless Steel – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $195 ($95 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% This APR will vary with the market based on the Prime Rate. Flexible Options Be the first to write one

Luxury Card™ Mastercard® Black Card™

  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $495 ($195 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% This APR will vary with the market based on the Prime Rate. Flexible Options Be the first to write one

Luxury Card™ Mastercard® Gold Card™

  • 24K-Gold-Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $995 ($295 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% This APR will vary with the market based on the Prime Rate. Flexible Options Be the first to write one

U.S. Bank Business Select Rewards

  • Earn 20,000 bonus points after you spend $1000 in eligible net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on other eligible net purchases
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns
  • Variable APR currently at 14.24% - 25.24%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A 0%* for 9 billing cycles on purchases* 14.24%-25.24%* (Variable) Flexible Options Be the first to write one

Select Credit Card

  • Earn 2x and 3x points in categories* you select with BBVA Build Your Own Rewards with BBVA Rewards for Select Credit Card
    • Choose one category (e.g. Travel) to earn 3x the points.
    • Choose two categories (e.g. Groceries and Utilities) to earn 2x the points.
    • Earn one point per $1 spent on all other qualified purchases. 
  • Plus, earn 1,000 additional bonus points each month you make $5,000 or more in Qualifying Purchases.*
  • Earn a $100 Account Credit after making $20,000 in Qualifying Purchases with your credit card* Each point is equivalent to an account credit of 1% of one dollar of each Qualifying Purchase (20,000 points = $200), and there is no limit to how many points you can earn.
  • Exclusive travel benefits including Visa Signature Luxury Hotel Collection membership and 24/7 Concierge Assistance*, as well as no foreign transaction fees.*
  • Added security of Roadside Dispatch, Lost Luggage Reimbursement, Trip Cancellation/Interruption, Price Protection, Purchase Security, Travel Accident Insurance, and Visa Zero Liability.*
  • Download our Mobile Banking App and manage your credit cards from the convenience of your mobile device.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 first year, then $125 thereafter N/A N/A 14.99%* - 18.99% (Variable)* Flexible Options Be the first to write one

Navy Federal More Rewards American Express® Card

  • When you open a More Rewards Card account, you'll earn 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else.*
  • No cap on rewards you can earn, and they never expire
  • Redeem points for travel, cash, gift cards or merchandise
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* N/A N/A 11.99%* - 18.00% (Variable)* Flexible Options 1

Points Visa® Credit Card

  • Earn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points Visa Credit Card.*
  • Earn 4 points for every $1 in qualifying purchases*
  • Earn even more points with a qualifying PNC Virtual Wallet or PNC Checking account relationship
  • Redeem your points for hundreds of valuable rewards – including cash, name brand merchandise, travel, and more
  • No annual fee*
  • Introductory Offer on Balance Transfers and Purchases**
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* N/A N/A 13.74%* - 23.74% (Variable)* Flexible Options 1

Points Visa® Business Credit Card

  • No Annual Fee*
  • Earn 5 points for every $1 in qualifying purchases*
  • Select from hundreds of rewards – including electronics, gift cards, merchandise, travel and even cash
  • Boost your earning potential by linking to your personal PNC points credit card
  • Online Account Management with Account View or PNC Online Banking
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* N/A N/A 12.99%* - 21.99% (Variable)* Flexible Options Be the first to write one
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