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.
Here are just a few of them:
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Milestone® Mastercard®
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Reports to all three major credit bureaus
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit | Consumer | $35 - $99* | N/A | N/A | 24.9% | None | Be the first to write one |
Laurel Road Student Loan Cashback® Card
Introducing the first credit card that lets you redeem 2% cashback towards your student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else.
- 0% Intro APR: No interest for the first 12 months on balance transfers made in the first 60 days.*
- No Annual Fee† Take advantage of our $0 annual fee. Plus, no foreign transaction fees.
- Flexible Cashback: 2% cashback towards eligible student loans, 1% cashback towards anything else.*
- Extended Eligibility: The first card that lets you redeem cashback with 95% of student loan servicers.*
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Excellent Credit, Good Credit, Above Average Credit | Student | $0* | 0.00% for 12 monthly billing cycles* | N/A | 18.74%* - 27.74% (Variable)* | Cash Back | Be the first to write one |
Kay Jewelers Credit Card
Express Your Love Your Way. Enjoy Zero Down Special Financing* on purchases of $300 or more with the KAY Jewelers Credit Card issued by Comenity Bank.
Nothing Should Get in the Way of Love. Use your KAY Jewelers Credit Card and select a Special Financing* plan that works best for you.
- 6 Months Special Financing: $300 minimum purchase*
- 12 Months Special Financing: $750 minimum purchase*
- 18 Months Special Financing: $3000 minimum purchase*
- 36 Months Special Financing: $1,500 minimum purchase*
- Treat yourself to something wonderful during your birthday month with $100 off.*
- Cardholder's Anniversary: Celebrate with a special offer, just for you with $100 off.*
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Limited Credit | Consumer | $0* | N/A | N/A | 29.99% (Variable)* | None | 41 |
Chime Spending Account and Visa® Debit Card
Chime® is a new award-winning mobile app designed to help people lead healthier financial lives and automate their savings. With Chime, you get a Chime Visa® Debit Card and an FDIC insured deposit account that can be managed entirely from your smartphone, plus a Savings Account that helps you save money without thinking about it.
- Your deposits are insured up to $250,000 through The Bancorp Bank or Stride Bank; Member FDIC.
- Visa's Zero-Liability Policy protects all unauthorized purchases.*
- 60K+ fee-free ATMs at convenient locations like Walgreens, 7-Eleven, CVS and more
- Real-time alerts for every banking transaction.
- Automatic Savings takes the effort out of saving.
- No minimum, monthly, or overdraft fees.˜
Disclocures: Chime is a financial tech... See More
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| N/A | Debit | $0** | N/A** | N/A** | N/A** | None | Be the first to write one |
JCPenney Credit Card®
- Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases*
- 15% OFF* select apparel, shoes, accessories, fine jewelry, salon products, furniture & mattresses, home, and in-home custom design; or save 5% on select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic
- Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Above Average Credit | Consumer | $0* | N/A | N/A | 25.99% Fixed* | Store | 59 |
Blain's Farm & Fleet Rewards Mastercard®
Life can be more rewarding with the Blain’s Farm & Fleet Rewards Mastercard. Earn rewards on purchases you already make. Not only at Blain’s Farm & Fleet, but at gas stations, grocery stores, and everywhere else. For larger Blain's Farm & Fleet purchases low promotional special financing is available.
- 3 POINTS per $1 spent At Blain's Farm & Fleet*
- 2 POINTS At Gas Stations & Grocery Stores
- 1 POINT Everywhere Else
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Good Credit, Above Average Credit, Fair Credit | Consumer | $0* | N/A | 0% for 12 billing cycles* | 25.99% (Variable)* | Store | 1 |
Destiny Mastercard®
- 24/7 access to your account, even on mobile!
- Accepted nationwide, wherever Mastercard is accepted
- Account history is reported to the three major credit bureaus in the U.S
- All the benefits of a Mastercard, without a security deposit
- An opportunity to build and access credit
- An unsecured Mastercard for less than perfect credit
- Fraud Protection* from unauthorized charges
- Keeping your account in good standing may help establish and/or improve your credit history
- Multiple card designs to choose from, no extra charge
- Responsible use and on time payment history can begin your financial future on the right track
- Simple and fast application process
- Quick and easy application process with a typical decision in 60 seconds or less
- $700 Credit Limit
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Poor Credit, Good Credit | Consumer | See Terms* | N/A | N/A | See Terms* | None | Be the first to write one |
Discount Tire Credit Card
- Promotional Financing available
- No annual fee** and $0 liability on fraud transactions
- Fast and easy online application
- Convenient online access to your account with the Discount Tire mobile app
- Accepted at over 200,000 gas stations nationwide across major gas brands^
- Exclusive cardholder rebates that you can combine with manufacturers' offers
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Limited Credit | Consumer | $0* | N/A | N/A | 29.99% (Variable)* | None | Be the first to write one |
Amazon Prime Rewards Visa Signature Card
- Exclusively for customers with an eligible Prime membership
- 5% Back at Amazon.com and Whole Foods with an eligible Prime membership*
- 2% Back at restauraunts, gas stations, and drugstores*
- 1% Back on all other 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 | 15.74%* - 23.74% (Variable)* | Store | 3 |
Upgrade Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- See Rates & Fees
** To qualify for the welcome bonus, you must... See More
| 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 | 14.99% - 29.99% (Variable)* | Cash Back | 1 |
