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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BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • NEW OFFER: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.74% - 23.74% Variable APR on purchases Cash Back 4

USAA Rewards™ Visa Signature®

  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0.00. N/A N/A 10.65%-26.65% (Variable) Flexible Options 1

USAA Rewards™ American Express® Card

  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and 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 10.65%-26.65% (Variable) Flexible Options 7

Ameriprise World Elite® MasterCard®

  • Earn 10,000 bonus rewards points after you make $500 in purchases or balance transfers with your new account in the first 90 days*
  • Earn 1X Ameriprise Rewards points for every dollar you spend on purchases*
  • 1.5% cash back when you redeem points in increments of 30,000 for $450 into an eligible Ameriprise® financial account*
  • Achiever Circle clients also earn:
    • 25,000 bonus points with a $50,000 deposit of non-retirement assets into an eligible Ameriprise account*
    • 500 bonus points for a completed home or auto insurance quote
    • Rewards points for other financial products and services. Please see the Ameriprise Rewards Program Terms and Conditions for each of the reward offers mentioned above.
  • Points do not expire when you keep your account open, active and in good standing
  • 1.5% redemption value when you redeem points in increments of 10,000 for a $150 Ameriprise Financial Planning certificate*
  • $150 annual fee, waived for Ameriprise Achiever Circle Elite Members*
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, currently 14.49% or 16.49%, based on your creditworthiness*
  • Earn up to $200 in credits toward airline purchases with qualifying transactions*
  • Chip card technology to make paying for your purchases more secure at chip-card terminals in the U.S. and abroad
  • Security & travel protection including ID theft resolution services, purchase security, extended warranty, travel assistance, travel insurance and rental insurance*
  • Complimentary concierge services available 24 hours, 7 days a week, 365 days a year
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $150* N/A N/A 14.49%* - 16.49% (Variable)* Flexible Options 4

BBVA Compass Select? Credit Card

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

  • Customizable CompassPoints* with BBVA Compass Build Your Own Rewards(sm)
    • Choose one category (e.g. Airlines)  to earn 3x the points
    • Choose 2 categories (e.g. Dining & Hotels) to earn 2x the points.
    • Earn 1 point per $1.00 spent on all other purchases
  • Plus, earn up to 1,000 additional bonus points each month you make $5,000 or more in qualifying purchases.
  • CompassPoints are valued at 1% of one dollar in qualifying purchases (20,000 points = $200.00), and there is no limit to how many points you can earn with no expiration date.
  • Apply points with flexible credits to transactions eliminating them from your statement.
  • 1st Year Spend Bonus. --During your first year as a Visa Select cardholder, you have the opportunity to earn bonus points and account credit.
  • Bonus (1) Earn 1,000 CompassPoints for every month with $5,000 spend (available in subsequent months/years).*
  • Bonus (2) Earn a $100 Account Credit after making $20,000 in qualifying purchases with your credit card (only available during the first year)*
  • Complimentary Hertz Gold Plus Membership so you can skip the counter. Also, get exclusive discounts and free rental days.
  • 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. Please see Guide to Benefits for additional details about these premium features.
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 13.99%* - 17.99% (Variable)* Flexible Options Be the first to write one

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 12.74%* - 22.74% (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 11.74%* - 20.74% (Variable)* Flexible Options Be the first to write one

Go Rewards® Visa®

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.*

Details:

  • Rewards Expiration: 4 years from date earned
  • 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 9.99%* (Variable)* Flexible Options Be the first to write one

Visa® Professional 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.
  • 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
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 9.99%* - 23.99% (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 9.99%* - 23.99% (Variable)* Flexible Options Be the first to write one