Category Archives: Rewards Credit Card

Rewards Credit Card – How to Find the Best One for You

Of all the credit card options available to you today, rewards credit cards are wonderful way to get something back for everything you spend. A rewards credit card comes in many different forms, from a variety of financial institutions, and with a number of reward offer options. In order to find the best one for you, you will need to do a bit of research and put some thought into what will pay off the most for you and your family. The best rewards credit cards will give you back something you really want without doing anything more than spending as you normally do every day.

How Rewards Credit Cards Work

You will find a wide assortment of rewards credit cards. Each one offers a different type of reward, but most of them work in a similar fashion. As you spend money with your credit card, you earn a specific number of points or rewards points per dollar amount. Most companies offer a basic one point per one dollar system.

However, you can also get some bonus points for various transactions. Perhaps your financial institution is affiliated with some large chain stores. You could get bonus points, such as five points per dollar spent, when you do business with these selected merchants.

For another rewards credit card, you might earn mileage toward a vacation. Some airline affiliated cards offer you a certain number of miles per dollar spent. When you accumulate a specific number of miles, you can apply them toward the purchase of a ticket with that airline.

Types of Rewards Cards

Again, the best rewards credit cards are those that suit your lifestyle. If you travel a lot, then an airline rewards credit card would be great for you. You can charge all of your regular purchases and get the airline miles you need to travel any time of year. But be careful that you read the fine print well. Some credit cards give you reward miles that are only good during a certain period of time or to specific destinations.

There are other travel cards that take advantage of Disney packages. You charge your purchases to one of these credit cards and you can earn reward points toward a Disney vacation of your dreams.

Of course, the most common type of rewards credit cards is the one that allows you to use your rewards points in any number of ways. The company that issues your card makes a deal with other merchants, and you can use your points as you would use cash at these merchants. Most of these rewards categories are gift certificates or other set amount items. For example, if you have four hundred reward points, you might be able to get a ten dollar gift certificate at your favorite restaurant, electronics store, or department store.

Still other cards allow you to earn points that transfer into money donated to a charitable cause of your choice. This is a great way to give back to your community or to the world without missing anything in your pocket.

Overall, the best rewards credit cards are those that have a low interest rate and give you back something you can really use.

For more information on various rewards credit card offers, Robert Alan recommends that you visit CreditCardAssist.com

Let’s Talk Credit Cards and Rewards | Navy Federal

Our experts answer top questions about credit cards and rewards programs.

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Why You Should Have a Rewards Credit Card

While rewards credit cards have been offered since the days of the Discover card, there are still a lot of consumers who don’t know that they could be earning rewards for using their card. The idea is simple: You receive points for every dollar you spend. These points add up and later, you redeem those points for either cash or rewards.

When you start shopping for your rewards credit card, keep in mind that there are numerous cards of this type on the market. Each of them have differing terms and characteristics. Before shopping, it is helpful to know your spending habits. If, for example, your commute to work is a long distance, you may want a rewards card that gives double points to gas purchases.

Normally, these cards will award you one point for every dollar you spend. Of course, one point doesn’t mean one dollar worth of buying power. In fact, it’s normally between 1% and 3%. I have a rewards card where I need 5,000 rewards points to get a $ 50 gift card to my favorite restaurant.

Doesn’t sound like a very good deal, does it? You’re right, it’s not but you have to think about it differently than when you evaluate a regular purchase. These rewards are adding up because you’re simply using your card rather than paying cash. If you were paying cash, you wouldn’t receive any rewards points. Comparing it to cash, it’s not that bad of a deal.

As we looked at earlier, you need to spend some time shopping for the best offer. Some rewards credit cards charge an annual fee while others don’t. Some pay double points for certain purchases while others pay triple rewards and have monthly incentives that pay extra points.

The terms that are hidden in the fine print are different for each card so make sure you read all of it. Don’t automatically dismiss the cards with annual fees. Sometimes the fee is worth it and often times, the credit card company will waive it if you ask.

Now that you’re wondering how you have lived without a rewards card, let’s get back to reality. While rewards cards are a great way to get some money back, you can never pay interest. Interest will wipe out the rewards you earn so you must pay your card in full each month. If this is the first time you have read about rewards credit cards, now is the time to start your search.

For more about rewards credit cards or credit cards for good credit visit us.

How Do I Use Points And Miles from a Rewards Credit Card?

Brian Kelly, The Points Guy, answers a reader question about how to choose a credit card, and how to use the miles and points earned. Pack your bags: In TPGtv, travel expert and founder of ThePointsGuy.com Brian Kelly showcases the extraordinary experiences made possible by maximizing frequent flyer miles and credit card points. The web-series follows Kelly as he journeys to far-reaching destinations around the globe traveling in style for a fraction of the cost. The first season of ten episodes sees Kelly take a once in a lifetime odyssey around Africa. Traveling from Ghana and Rwanda to South Africa and Doha, he discovers remarkable people and uncommon travel experiences while taking viewers inside the luxury hotel and resort accommodations that his points and mileage strategies secure.

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Review: Best Cash Back Credit Cards! Zero Financial, Barclay Arrival, Capital One Venture.

Here’s a review of the best cash back credit cards including the new 3% Cash Back Zero Financial, Barclay Arrival+, Citi Quicksilver, Capital One Venture and Double Cash cards. Read the full post here: http://www.johnnyfd.com/2016/09/best-cash-back-cards-and-why-reward.html

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If you’re not earning 2% cash back and at least ,000 a year in cash back, you’re missing out!
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Convert Credit Card Reward Points into Real Cash

If you frequently do online as well as offline (by swiping and by using EMV CHIP technology) transactions using your VISA/MasterCard credit card, then your bank may credit certain reward points into your credit card account for most of those transactions.

Above video shows how to convert all your accumulated reward points into real cash.

I am currently using MONEY BACK Credit Card of HDFC Bank. This particular card allows me to convert my reward points into real cash online.

If you’d like to convert all your accumulated reward points into real cash then you should contact your bank and ask them to give you that particular credit card which can be used for points to cash redemption.

However keep in mind that your current credit card may have some other benefit like it may give you more Air miles if you travel in airlines frequently OR it may give you 2X/3X reward points for certain type of transactions – Every card’s feature is different and you should opt for a card which suits you.

Note: The converted cash amount will be credited into your credit card account only and will reflect in your next statement. Don’t expect this amount to be credited in your savings bank account. In case of any issues or queries you should contact your bank’s credit card customer care department.
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Nerd’s Favorite Credit Card: The BankAmericard Cash Rewards™

Nerd's Favorite Credit Card: The BankAmericard money Rewards™

NerdWallet’s bank card specialist, Sean McQuay, shows united states why the Nerds love the BankAmericard money Rewards card.

There’s undoubtedly about any of it: The BankAmericard Cash incentives™ charge card is a competitor if you’re interested in extra incentives on fuel and supermarket investing. Here are some of the crucial functions: http://www.nerdwallet.com/blog/credit-cards/bankamericard-cash-rewards-credit-card-review/

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The Best Credit Cards for Travel Rewards

< object kind =" application/x-shockwave-flash" style =" size:425 px; height:355 px; "information ="// www.youtube.com/v/dX1xxkZzmU4?color2=FBE9EC&version=3&modestbranding=1 ">< param name =" film" worth="// www.youtube.com/v/dX1xxkZzmU4?color2=FBE9EC&version=3&modestbranding=1"/ > Feb. 19– Brian Kelly, owner of Thepointsguy.com, speaks with Betty Liu regarding exactly how customers can make the most from bank card incentives and also which cards offer the best offers. He speaks on “In The Loop.”

How To Apply for a Rewards Credit Card Online

Do you remember the time when you mother received a pen and a ‘thank you’ note from a credit card issuer, for being a loyal customer? Gone are the days of simply and straightforward credit cards. Plain vanilla cards are a thing of the ancient past. The latest buzz word on the credit card scene is a ‘rewards credit card’. Of course, having the Internet as a resource means you can find what suits you best very quickly. So if you know how to apply for a such a card online you will certainly get rewarded, and rewarded in style.

When you apply for a rewards credit card online, don’t be surprised by promises of cash back, gift certificates from your favorite store, discounted air travel, holidays and so on. Today, such cards are very popular and issuers are ready to promise the earth to ensure loyalty. If you do a little bit of research before you apply for such a card, you may even receive hard cash as a reward. Certainly, look for gifts and discounts from the card providers themselves, as well as third party incentives.

There are so many different types of credit card around today. The competition is bound to get more fierce and edgy. Issuers believe that rewards guarantee loyalty, and the winner in this situation is always the consumer. If you apply for a rewards credit card online you can see exactly what they can offer you.

Before you apply for a rewards credit card, you should explore the options available to you. With the sheer number of cards on the market, there is bound to be some confusion. Sort through all the direct mailers and solicitations and make an informed decision. Broadly there are three types of rewards programs. These are the point based program, the cash-back program and the frequent flier program.

The point based program allows you to accumulate points on certain purchases you make. You can then flip through a catalogue created by the issuer, and choose your own rewards. If you are interested in choice, then apply for a rewards credit card online from a company like the American Express which offers this type of rewards program. The disadvantage of this program is that the items listed in the catalogue may be a bit overpriced.

Cash back programs work best for people who are not big spenders. You get a certain percentage of cash back on items that you buy with your credit card. Sometimes, there may be a limit on the total amount you can receive as cash back. Also, with certain cards, you may have to charge a certain amount of money to your card before you get the rebate.

Finally, the frequent flier programs offer you free tickets with airlines that are tied up with issuers. You have to spend a certain amount of money and charge it to your card before you qualify for the free ticket. You may apply for several frequent flier programs only if you plan on undertaking several international flights. How to apply for a rewards credit card online is easy: you just look at what is on offer and use the simple application form.

Gordon Goodfellow’s site shows you how to apply for a rewards credit card online in addition to offering 0 APR cards which remain interest-free for years. His associate site offers credit card balance transfers in the UK.

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