Najem Financial Logo
Rewards Credit Cards

Every dollar earns
a point.

3X POINTS

Earn triple points on dining and travel, double on groceries and gas, and 1X on everything else. Redeem flexibly for travel, gift cards, cash back, or merchandise — your points, your choice, no blackout dates.

Apply Now Compare Cards
No foreign transaction fees
Points never expire
Transfer to 15+ airlines
VISA GOLD REWARDS
•••• •••• •••• 6612
Card Holder
Najem Financial Member
WELCOME BONUS
50,000 pts = $500
Earn Rate

Points that multiply your spending

Earn accelerated rewards in the categories where you spend the most.

0X
Points

on dining & travel — restaurants, hotels, flights, rideshare, and more

On $500 dining/month
= 1,500 pts/month
0X
Points

on groceries & gas — supermarkets, warehouse clubs, and gas stations

On $600 groceries/month
= 1,200 pts/month
0X
Point

on everything else — every single purchase, no categories to track or remember

On $900 other/month
= 900 pts/month
Featured Cards

Choose your rewards card

Two powerful points cards designed for different lifestyles and spending patterns.

Most Popular

Visa Gold
Credit / Points

VISA
3X Travel & Dining 2X Groceries 50K Welcome Bonus
Welcome Bonus 50,000 pts ($500 value)
Annual Fee $95
Purchase APR 21.99% variable
Earn Rate 3X / 2X / 1X
Redemption Travel, Cash, Gift Cards, Merch
Apply Now
$0 Intro Annual Fee

Amex Green
Points Card

AMEX
3X Transit & Travel 2X Dining 30K Welcome Bonus
Welcome Bonus 30,000 pts ($300 value)
Annual Fee $0 first year, then $99
Purchase APR 19.99% variable
Earn Rate 3X / 2X / 1X
Redemption Statement credits, transfers
Apply Now
Points Comparison

Points earned per category

Based on a $2,000/month spend across typical categories. See how each card stacks up.

Redemption Options

Redeem your way

Every 1,000 points delivers real value. Choose the redemption that works best for you.

Travel

Book flights, hotels, car rentals, and cruises through our travel portal.

Per 1,000 pts
$12.50

Gift Cards

Choose from 200+ retailer gift cards including Amazon, Starbucks, and Apple.

Per 1,000 pts
$10.00

Cash Back

Redeem as a statement credit or direct deposit to your Najem Financial account.

Per 1,000 pts
$10.00

Merchandise

Shop thousands of products from electronics, home goods, and lifestyle items.

Per 1,000 pts
$8.50
FAQ

Points rewards questions

No — your Najem Financial Rewards points never expire as long as your account remains open and in good standing. You can accumulate points over time and redeem when it makes the most sense for you.
Welcome bonus points are typically credited to your account within 8–10 weeks after meeting the minimum spending requirement during the qualifying period (usually the first 3 months after account opening).
Yes. Najem Financial Rewards points can be transferred 1:1 to 15+ airline and hotel partners including major US carriers and international programs. Transfer minimums apply and transfers are typically instant.
Dining includes restaurants, bars, cafes, food delivery services, and fast food. Travel includes airlines, hotels, car rentals, cruises, travel agencies, rideshare, taxis, trains, and tolls. Purchases are categorized by the merchant's registered industry code.
Get Started

Start earning points
on every purchase today

Apply in minutes. No annual fee for the first year on select cards. Get pre-qualified with no impact to your credit score.

Apply Now — Takes 3 Minutes View Preferred Rewards

Subject to credit approval. See card terms and conditions for full details on earning rates, fees, and redemption options.