Rewards Credit Cards

The JCPenney Rewards Card is a store credit card – which means you can only use it at JCPenney – that offers discounts of up to 15% on select purchases as well as 1 point per $1 spent. The JCPenney Card also offers 0% financing, but a feature called "deferred interest" makes that part of the deal rather risky..

There are rewards credit cards available to people of all credit levels, even folks with bad credit. But if you want really good rewards, you’ll generally need a good or excellent credit score. That’s what the market’s best overall rewards cards require.
Plus, credit cards for people with less-than-good credit usually don’t have high enough spending limits for users to rack up significant rewards value. That’s why finding a credit card with no annual fee becomes increasingly important the lower your credit score is.
If you’re not sure where your credit stands, you can check your latest credit score for free on WalletHub. You’ll also receive a personalized credit analysis, complete with customized credit card recommendations.

One mile equals 1 cent in travel, meaning 100 miles are worth $1 and 10,000 miles are worth $100. You can learn more from our Venture Card review and Capital One No Hassle Rewards Program review​​​​​​​. Hope this helps. Best of luck!

The best wedding credit cards are Chase Sapphire (big initial bonus and high limit), Capital One Venture (good travel rewards for the honeymoon), Citi Double Cash (consistent cash back) and Amex Everyday (0% financing). In other words, there are a lot of great wedding credit cards available, and the best one for you personally depends on how you plan to use it. You could pick a rewards card to get some of your money back or earn a vacation. Or you could choose a card with a 0% intro APR for extra time to pay off the party without interest. 

Here are the best wedding credit cards:

• Best initial spending bonus – Chase Sapphire Preferred
  50,000 bonus points, worth $625 in travel, for spending $4,000 in the first 3 months. 2 points per $1 spent on travel and dining, 1 on everything else. 5,000 points for adding an authorized user and making a purchase in the first 3 months. 1:1 point transfer to 11 airline and hotel loyalty programs. $0 annual fee the first year, $95 after. $5,000 minimum credit limit. Requires excellent credit.
• Best for honeymoon travel rewards – Capital One Venture
  50,000 bonus miles, worth $500 toward travel, for spending $3,000 in the first 3 months. 2 miles per $1 spent on all purchases, except for 10 miles per $1 at hotels.com/venture. $0 annual fee the first year, $95 after. $5,000 minimum credit limit. Requires good credit.
• Best for cash back on everything – Citi Double Cash
  2% cash back on all purchases, 1% when you buy and 1% when you pay. 0% introductory APR on balance transfers for 18 months with a 3% balance transfer fee. $0 annual fee. $500 minimum credit limit. Requires good credit.
• Best for financing your wedding – Amex EveryDay
  0% introductory APR on purchases and balance transfers for 15 months. No balance transfer fee on transfers made in the first 60 days. 10,000 bonus points for spending $3,000 in the first 3 months. 2 points per $1 on your first $6,000 per year at supermarkets, 1 everywhere else. 20% more points when you use your card 20 or more times in a billing cycle. $0 annual fee. No minimum credit limit listed. Requires good credit.

All of the best options for wedding credit cards require good or better credit, but if you have fair/limited credit you could always go for something like Capital One QuicksilverOne, for 1.5% cash back on everything. For bad credit, try Discover it Secured, which offers 1%-2% cash back. 

You should just always consider what portion of the card’s credit line you’re using up, as utilization over 30% can hurt your credit score. So you may want to make charges and pay them off throughout the month so you can keep spending more. Congrats on the wedding!

​Discover It rewards categories differ by card. Discover it Chrome, Discover it Chrome for Students and Discover it Secured have static bonus rewards categories. They all give you 2% cash back on the first $1,000 that you spend at gas stations and restaurants – combined, not in each category – per quarter. But there’s another group of Discover it cards with more interesting rewards categories.

The Discover it® Cashback Match Card, Discover it® Student Card, NHL® Discover it® Card, and Discover it 18 Month Balance Offer all give you 5% cash back in select spending categories, which change every three months. That bonus rate applies to the first $1,500 that you spend in the designated categories each quarter. Once you cross that threshold, you’ll get a 1% base rate until new bonus categories become available.

Be careful, though. You have to sign up for the new bonus categories each time they change if you want that 5% rate.

Here are the Discover it 5% rewards categories for 2017:

• January-March: Gas Stations, Ground Transportation, and Wholesale Clubs
  
• April-June: Home Improvement Stores & Wholesale Clubs
  
• July-September: Restaurants
  
• October-December: Amazon.com & Target

Discover it bonus rewards categories can be pretty general. So if you want to see what types of purchases qualify, check out the details on Discover’s Cashback Calendar.

Discover has yet to announce its rewards categories for 2018 and beyond. They typically provide just a couple of months’ warning, so you can expect to hear about the Q1 2018 categories in November 2017.