Universal Rewards Credit Card Offers

Universal rewards credit cards combine bonuses, cash points and other benefits to make these cards a positive financial move. Since they offer many benefits you will need to take an in-depth look at each offer to find the most beneficial card for you. You will find that most will offer a nice introductory offer, one for one dollar purchase for points and a low APR. Since the offers are very attractive the qualification criteria may be selective. However, if you find a universal rewards card that is appropriate for your financial circumstances, go on line and apply. If you qualify, most cards advertise immediate approval.




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United MileagePlus® Explorer Visa® Card

United MileagePlus Explorer Visa Card
  • Earn up to 40,000 bonus miles & first year free, a $95 value*
  • First checked bag is free for you and a companion when you fly United flights, up to a $50 value
  • Board your flight before general boarding with priority boarding privileges
  • Visit the United Club with two complimentary day passes every year, up to a $100 value
  • Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
  • Your miles don't expire and there is no limit to the number of miles you can earn

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5


Ink℠ Classic Business

Ink Classic Business
  • Up to 25,000 bonus points – 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

0%* Intro APR

12 months*Intro Period

10.24% (V)*APR

N/A*Annual Fee

5.0


Ink Cash℠ Business Card

Ink Cash Business Card
  • Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

0%* Intro APR

12 months*Intro Period

10.24% (V)*APR

$0.00*Annual Fee

5.0


Ink℠ Bold with Ultimate Rewards℠

Ink Bold with Ultimate Rewards
  • Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • No foreign transaction fees
  • Free Employee Cards
  • No interest charges because it's a pay-in-full charge card Transfer points you've earned to participating frequent travel programs at a 1:1 value
  • No Annual Fee in the first year – a $95 savings

N/A* Intro APR

N/A*Intro Period

N/A*APR

$0.00*Annual Fee

5.0


Southwest Airlines Rapid Rewards® Plus Card – FREE FLIGHT

Southwest Airlines Rapid Rewards Plus Card – FREE FLIGHT
  • NOW! Earn a FREE FLIGHT after your first purchase
  • Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare
  • Now you can redeem for International Travel, Hotels, Gift Cards and more.
  • Earn unlimited FREE FLIGHTS – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
  • Your Bags Fly FREE! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
  • No Change fees – if you need to change your flight, you won't be charged a fee
  • September 11th Security Fee Applies

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$69.00*Annual Fee

5.0


Chase Freedom® Visa

Chase Freedom Visa
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

0%* Intro APR

15 months*Intro Period

12.99% – 22.99% (V)*APR

$0.00*Annual Fee

5.0


Chase Sapphire Preferred℠ Card

Chase Sapphire Preferred Card
  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months – that's $500 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM
  • No foreign transaction fees
  • Receive a 7% annual dividend on all new points earned – even on points already redeemed
  • 1:1 point transfer to participating frequent travel programs
  • Direct access to expert service advisors anytime
  • No Annual Fee for your first year – A $95 value

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$95.00*Annual Fee

4.5


Discover® More Card - 18 Month Promotional Balance Transfer

Discover More Card - 18 Month Promotional Balance Transfer
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

18 months on BT*Intro Period

10.99% - 20.99% (V)*APR

$0.00*Annual Fee

5.0


Capital One® Spark℠ Miles Select for Business

Capital One Spark Miles Select for Business
  • Get a 50% bonus on the cash back you earn every year
  • Earn 1% cash back on every purchase, every day
  • Save with 0% intro APR until November 2012
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0%* Intro APR

until November 2012*Intro Period

APR: 14.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5


Capital One® VentureOne℠ Rewards Credit Card

Capital One VentureOne Rewards Credit Card
  • 1.25 miles per dollar on every purchase, every day
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • 0% intro APR on purchases until June 2013
  • No foreign transaction fees
  • No annual fee

0%* on purchasesIntro APR

until June 2013*Intro Period

APR: 11.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5


Capital One® Venture℠ Rewards Card

Capital One Venture Rewards Card
  • 2 miles per dollar on every purchase, every day
  • Money Magazine's "Most Rewarding Card if you crave free airline flights" – Money Magazine, May 2011
  • Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel
  • Redeem your miles for ANY travel expense
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

N/A* Intro APR

N/A*Intro Period

APR: 13.9% - 20.90% Variable on Purchases and BT

$59.00*Annual Fee

4.5


Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)

Chase Freedom Visa - $100 Bonus Cash Back (0% APR)
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

0%* Intro APR

15 months*Intro Period

12.99% – 22.99% (V)*APR

$0.00*Annual Fee

5.0


Blue Cash Preferred℠ Card from American Express

Blue Cash Preferred Card from American Express
  • $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $75 Referral Bonus for each friend or family member who is approved for the Card
  • The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.

0%* Intro APR

12 months*Intro Period

17.24% - 22.24% (V)*APR

$75.00*Annual Fee

4.5


British Airways Visa Signature® Card

British Airways Visa Signature Card
  • You will get 50,000 bonus Avios after your first purchase 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening
  • Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening
  • That's enough Avios for one roundtrip business class reward ticket
  • New: Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home
  • Pay no foreign transaction fees when you travel abroad
  • Earn 2.5 Avios for every $1 spent on British Airways purchases
  • Earn 1.25 Avios for every $1 spent on all other purchases
  • Every year you spend $30,000 on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$95.00*Annual Fee

4.0


Hyatt Credit Card

Hyatt Credit Card
  • Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card
  • Receive 1 Anniversary Award Night each year in category 1-4 properties
  • No foreign transaction fees and Smart Chip protection on international purchases
  • 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
  • 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere
  • There are no limits to the points you can earn
  • Award nights with no resort, Internet or redemption fees

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$75.00*Annual Fee

4.0


PenFed Premium Travel Rewards American Express® Card

PenFed Premium Travel Rewards American Express Card
  • No annual fee
  • 5x points on airfare purchases and 1x points on all other purchases
  • 20,000 bonus points upon spending $650 in the first 3 months
  • Complimentary concierge service
  • Exceptional travel offers and discounts
  • VIP airport lounge access with $15,000 in annual spend
  • You must be a Pentagon Federal Credit Union member to apply.

N/A* Intro APR

N/A*Intro Period

13.24% (V)*APR

$50.00*Annual Fee

4.5


The Business Gold Rewards Card® from American Express OPEN

The Business Gold Rewards Card from American Express OPEN
  • FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year
  • Terms and Restrictions Apply

N/A* Intro APR

N/A*Intro Period

N/A*APR

$175.00*Annual Fee

4.5


Chase Sapphire℠ Card

Chase Sapphire Card
  • Earn 10,000 bonus points after you spend $500 in the first 3 months – that's $100 toward travel or any other reward!
  • 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • Direct access to expert service advisors anytime
  • No annual fee!

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5


Marriott Rewards® Premier Credit Card from Chase

Marriott Rewards Premier Credit Card from Chase
  • Earn 50,000 Bonus Points after your first use
  • Receive 1 free night stay upon account approval and each year upon account anniversary
  • Earn 5 points for every $1 spent at Marriott® locations
  • Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
  • Earn 1 point for every $1 spent on other purchases
  • No foreign transaction fees
  • Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
  • No annual fee for first Year Free, then $85

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$85.00*Annual Fee

4.5


Capital One® MasterCard®

Capital One MasterCard
  • Get the credit you need with no processing fees or application fees
  • $0 Fraud Liability if your card is lost or stolen
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
  • Access your account 24/7
  • Monitor your spending with free e-mail and text message alerts
  • Automatic reporting to the 3 major credit bureaus
  • Find pre-qualified card offers in 60 seconds without affecting your credit score

0%* Intro APR

See Terms*Intro Period

APR: 10.9% - 24.90% Variable on Purchases and BT

N/A*Annual Fee

4.5


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