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

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

Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V) 
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 12 months* 0% for 12 months* 11.25% (Variable)* Flexible Options Be the first to write one

Select? Credit Card

Premium credit card with custom rewards to fit your lifestyle. Earn 20,000 bonus points.

Your BBVA Compass Select Credit Card benefits include:

  • BBVA Compass Build Your Own RewardsSM with BBVA Compass Rewards for Select Credit Card* repays you for the way you spend your money.
  • 20,000 bonus points with $2,000 in purchases in the first 90 days of account opening*
  • No $125 annual fee for the first year
  • No foreign transaction fee
  • Earn monthly bonus points*
  • Streamlined, expedited application process and no annual fee for Premier Personal Banking customers*
  • Exclusive travel benefits - including complimentary Hertz Gold Plus Rewards Membership
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 15.49%* - 19.49% (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 11.90%* - 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 14.24%* - 24.24% (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 13.24%* - 22.24% (Variable)* Flexible Options Be the first to write one

Go Rewards®

When you open a GO REWARDS account, you'll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.*

  • Rewards Expiration: 4 years from month earned, as long as account is open
  • Rewards Limit: None
  • Start Redeeming: 1,000 points
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 As low as 11.24%* (Variable)* Flexible Options Be the first to write one

Visa® Business Rewards Credit Card

  • Online account services – Manage your account at your convenience, view up to 6 months of past account statements available to download, and more.
  • Manage employee business expenses with online tools that will help control, monitor and track card spending trends.
  • Integrate expense data and reports with accounting software packages.
  • Pay business credit card bills online.
  • Separate business expenses – Keep your business expenses separate from personal expenses to make it easier to track spending – and prepare your taxes.
  • Employee cards – Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
  • Visa Liability Waiver Program* – Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder up to $100,000. Download PDF brochure.
  • 24/7 Fraud Alerts – BBVA Compass monitors your account for unusual activity around the clock, and we’ll contact you to verify any transactions that seem out of line.
  • Experienced customer service representatives – Our representatives are specially trained to work with business owners and are available to help with any questions you may have. Just call them toll-free at 1-800-316.0207.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* 3.99% for 1 year* N/A 11.49%* - 25.49% (Variable)* Flexible Options Be the first to write one
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