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Rewards Programs Credit Cards Better Business Bureau Reliability Seal

Imagine pulling out your rewards program credit card at the grocery store and restaurants, and receiving points that turn into a dream destination vacation. The purpose of a rewards program credit card is to earn points that can be redeemed for a number of different benefits.

Many people have found that this is a great way to afford concert tickets, lavish vacations, and electronics that they couldn't otherwise fit into their budget. In addition, reward program credit cards have become increasingly more flexible over time. In fact, many reward program credit cards compete with each other for your business, and as a result provide flexible reward points that are easy to work with.

Continue reading below reviews

2017

Rewards Programs Credit Card Reviews

5 stars
USAA Cash Rewards® Visa Signature® Card
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

USAA Cash Rewards® Visa Signature® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Rewards™ Visa Signature®

USAA Rewards™ Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Cash Rewards® American Express® Card

USAA Cash Rewards® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

Continued from above

When looking for a rewards program credit card, there are a number of factors you should consider. Some of these include:

  • Annual fees. Many rewards program credit cards charge no annual fees.
  • Interest rates. You need to consider what the annual APR is with any rewards program credit card that you consider. If you plan paying off your credit card every month, then the interest rate is less important.
  • Penalties. Rewards program credit cards make money when your payment is late or when you go over the credit limit. You need to understand any penalties that exist.

TopConsumerReviews.com has reviewed and ranked the best rewards program credit cards available today. We hope these reviews help you start earning valuable benefits right away!

Choosing the Best Credit Card Rewards Program

For consumers that use a credit card for a lot of purchases, choosing the right credit card rewards program is very important.

Typically, credit card reward programs fall into one of three categories:

  1. Credit cards that reward users for everyday purchases (cash back rewards, airline miles, store gift cards and or other items)
  2. Credit cards with sign-up bonuses
  3. Credit cards that include benefits when you use them (for example, a 5% discount every time you shop at a specific store, free checked bags, and so on)

The first thing you should consider is what is your reward goal? Would cash back be the best? Are you planning on using a rewards program to travel? Knowing what you want out of a card is a good place to start.

It is important to continually evaluate your current credit card and your current spending habits. As your life circumstances fluctuate and credit card offers change, you may find there is different credit card rewards program that fits your lifestyle better than your current card. Though it is not advisable to switch credit cards frequently, taking a good look every few years at your spending habits and comparing your credit card rewards program to others is recommended. For example, a frequent flyer rewards program would benefit a traveler, but if their life circumstances change and they are not traveling frequently, they may find a card better suited for them. Another example would be if your income changes and you need a card with a lower interest rate or a card with a different type of rewards program. A general rewards card (cash back, gift cards etc.) is best for someone that does not travel often. If you like to travel, taking advantage with a card that offers airline miles can be a great option.

It's also advisable to limit yourself on the amount of credit rewards cards you use. Once you find a card that suits you best, fully take advantage of the rewards it offers. Most research shows that credit cards with reward programs increase spending. If you have too many cards you may be tempted to spend more than you can afford, making your rewards less than the interest you are spending. Interest rates are usually higher with credit cards that feature rewards program. Do not be scared off by higher interest rates or annual fees, as these can often come with better rewards. However, take the time to read the fine print and compare the reward programs of these cards. For those that are disciplined and pay the credit card off in full each month, they do not need to worry about the interest rates and there is little to no extra cost to receive their rewards.

Research how your rewards are redeemed before signing up for a credit card rewards program. No one should have to go to great lengths to redeem their rewards nor find out that rewards earned have expired. A best credit card rewards program should cost you the least amount of money, while offering the largest amount of benefits.

 

How to juice your credit card loyalty points and rewards

It's said that patience is its own reward, but that doesn't apply to credit card loyalty programs. In fact, it turns out many consumers are shooting themselves in the foot by being too patient. Sure, it's tempting to spend years collecting points to ...

Published:  Thu, 21 Sep 2017 23:46:00 GMT



Hillsborough Rewards Credit Card Program Accepting Grant Applications

HILLSBOROUGH, NJ - The Hillsborough Rewards Credit Card Program will accept grant applications from eligible non-profit and any youth or senior organization through Oct. 6. Applications are available on the township website - www.hillsborough-nj.org - or ...

Published:  Mon, 18 Sep 2017 11:14:00 GMT



Bank of America launches Premium Rewards card

Rewards programs have proven effective in driving users to cards in the past - almost 60% of consumers rank rewards as a major reason for adopting a credit card, according to TSYS' annual US Consumer Payment Study. They come at a high cost for ...

Published:  Wed, 20 Sep 2017 12:16:00 GMT



7 serious strategies for reward credit card fanatics

READ: Best Cash-Back Credit Cards of 2017 Some oft-cited credit cards worth churning in Canada right now include: the Scotia Rewards program which comes with a welcome bonus of 30,000 points (equal to $300 in travel rewards); WestJet RBC World Elite ...

Published:  Thu, 21 Sep 2017 06:00:31 GMT



Bank of America Premium Rewards Card FAQ and Link for 50,000 Bonus Points

gift cards, depositing into your Bank of America or Merrill Lynch account or via a statement credit. A: If you aren't a member of Bank of America's Preferred Rewards banking program, the Premium Rewards card earns 2 points per dollar spent on travel ...

Published:  Tue, 19 Sep 2017 15:30:00 GMT



Bank of America Introduces New Premium Rewards® Credit Card

"The card's rewards become even richer when combined with our Preferred Rewards program - giving our clients more value across their relationship with us." Bank of America today announced the launch of the Bank of America ® Premium Rewards ® credit ...

Published:  Mon, 18 Sep 2017 06:18:00 GMT



Comparing the New United and Delta No Annual Fee Credit Cards

The United TravelBank is a hybrid cash-back airline rewards credit card. Instead of earning 2 United miles for ... Most flyers maintain a love-hate relationship with the Delta SkyMiles program due to several recent program devaluations and fluctuating ...

Published:  Mon, 18 Sep 2017 07:53:00 GMT



Now Available: New "Premium" Bank of America Credit Card (Full Details!)

like a $100 airline incidental credit and Global Entry reimbursement, it definitely falls short. And if you're a part of the Bank of America Preferred Rewards Program, you'll get an improved earning rate with your card. Based on the amount of money ...

Published:  Mon, 18 Sep 2017 01:00:00 GMT



Bank of America releases Premium Rewards credit card

... Rewards credit card, cardholders earn two points for each USD spent on travel and dining purchases and 1.5 points for each USD spent on all other purchases. For users who are also enrolled in the bank's Preferred Rewards program rewards, points can ...

Published:  Mon, 18 Sep 2017 16:00:00 GMT



Bank of America's New Premium Rewards Credit Card is Live

I do not write about all credit cards that are available -- instead focusing ... Through Bank of America's Preferred Rewards program earning on the card ramps up based on assets on deposit: $20,000-$49,999: 2.5x on travel and dining, 1.875x on other ...

Published:  Mon, 18 Sep 2017 04:04:00 GMT



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