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The economy is slowly recovering, but household budgets are still tight. When choosing a credit card, many people want a card that provides them with points or rewards they can use toward travel, dining, or cash back. If you are looking to find the best credit card with the best rewards, then check out our FREE credit card finder! The following are 10 of the best reward credit cards for 2012.

Simply click the icon below to apply for the Chase Sapphire Credit Card!

Chase Sapphire

Chase Sapphire offers the option of redeeming points for travel or merchandise or for cash back. Currently, they are rewarding 25,000 bonus points after you spend $3,000 in the first 3 months. Additionally, the card rewards 2 points for every dollar spent on dining and 1 point for all other purchases.

Chase Sapphire Credit Card

Points never expire and there are no limits on the number of points you can earn. Only applicants with a credit rating of excellent should apply. There are no annual fees. Standard APR is 15.24%.

APPLY NOW for the Chase Sapphire credit card by clicking here!

Capital One Orbitz Visa Platinum

The Capital One Orbitz Visa Platinum credit card rewards 3x bonus points for travel booked on Orbitz. Bonus points are earned for airfare, hotel and other travel bookings. Points can be redeemed for airfare, hotels, merchandise and gift cards. All other purchases earn 1 point per dollar.

Capital One Orbitz Visa Platinum

Capital One is offering a 0% introductory rate until November, 2012 including balance transfers. There is no annual fee. The standard APR is 13.9% – 19.9%. Applicants must have an excellent credit rating to get the 0% introductory rate and the lower APR.

Miles by Discover

Discover offers several cards, but the Miles by Discover credit card allows cardholders to accumulate rewards faster. Cardholders earn 1 point for every dollar spent and can redeem points for travel, merchandise, gift certificates or cash. During the first year, it’s possible to earn $120 in travel rewards by getting 1,000 bonus miles every month you make a purchase the first year.

Miles by Discover Credit Card

Discover offers a 0% introductory rate for the first 6 months, then charges 10.99% – 16.99% APR, depending on your credit rating. Discover charges no annual fee.

To apply for the Discover Miles credit card, click here now!

There are no blackout dates for travel redemption for airline, hotels or rental cars. Discover has been rated #1 in customer loyalty by a popular consumer group (2011 Brand Keys Customer Loyalty Engagement Index Report).

Gold Delta SkyMiles AMEX

With the American Express Gold Delta Skymiles card, points can be redeemed for airfare on Delta and Northwest flights only. There is no introductory APR, but members can earn 30,000 bonus points when making purchases during the first year.

American Expres Gold Delta SkyMiles

The SkyMiles card has a standard APR of 15.24% – 19.24% APR. Like most AMEX cards, there is an annual fee of $95, but it’s waived the first year.

Be sure to click here to apply instantly for the AMEX Gold Card!

BankAmericard Power Rewards

Unlike the other cards, the BankAmericard Power offers bonus points on everyday purchases of groceries and gas. Points are redeemed in the form of cash back bonuses.

BankAmericard Power Rewards Credit Card

Bank of America is offering a 0% introductory rate for 12 months for balance transfers with the rate adjusting up to 12.99% making it one of the lower rate cards. There’s no annual fee. Applicants must have a good to excellent credit rating.

Chase Freedom

The Chase Freedom offers 10,000 bonus points at sign-up and an introductory rate of 0% for 12 months on balance transfers and purchases for 6 months. Bonus points are earned on airfare, hotel, car, groceries and gas. All points go toward a cash back reward.

APPLY NOW for the Chase Freedom credit card by clicking here!

Every 3 months, Chase creates categories, such as grocery stores or airlines, in which consumers can earn 5% cash back rather than the standard 1%.

Chase freedom

There is no annual fee and points never expire. After the standard introductory period, interest rates climb to 11.99% – 29.99%. Chase is only offering the card to those applicants with a very good or excellent credit rating.

Southwest Airlines Rapid Rewards

The Southwest Airlines Rapid Rewards card is offering a 25,000 point sign-up bonus and awards bonus points on all Southwest Airlines purchases. Bonus points are earned for travel related expenses (airfare, hotels, travel bookings) and points can be redeemed for airfare, hotels and gift cards.

Southwest Rapid Rewards Credit Card

There is no introductory period, but the interest for all cardholders is 14.24%. Annual fees run $69. Consumers with a good credit rating can apply.

This card is about perks when flying on United. Rewards are accumulated in miles rather than points, and then redeemed for airfare on United. They offer a 25,000 mile sign-up bonus, with the potential of earning another 15,000 miles during the first year. Miles never expire and there’s no limit on the number of miles you can earn. For every $1 spent on United or Continental Airfare, you earn 2 miles, while all other purchases earn 1 mile per dollar spent.

Other perks include checking your first bag free, ability to board during priority boarding and 2 complementary day passes to the United Club annually. There is a $95 annual fee, which is waived the first year. The standard APR on this card is also 14.24% across the board. You might ask, “Would airline miles credit card work for me?” It all depends on your situation, but we all love to travel at some point…right?

Extras

All cards offer 24/7 on-line access and customer support, account alerts via e-mail or text and zero liability if the card is lost or stolen. All cards, with the exception of Southwest and United, provide emergency replacement.

As a consumer, you have lots of choices for a credit card that offers rewards. By reviewing the rewards that are important to you, finding a card to suit your needs can be an easy and rewarding endeavor. Before you apply for any credit cards, you should take the time to check your credit score to insure you have great credit. One slip-up in your payments could drastically affect your rewards.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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