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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.

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!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Rewards Programs Credit Card Reviews

5 stars
Discover® Motiva Card

Discover® Motiva Card TopConsumerReviews.com Best-In-Class Blue Ribbon Award

The Discover® Motiva Card is a cash rewards card with a truly unique offer that rewards smart shoppers with Cashback Bonus® for managing good credit. With 0% introductory APR on balance transfers and purchases for 15 months, you won't have to pay interest during the special 15 month promotional period. The Cashback Bonus® you earn are based on how you manage you credit and includes 1% unlimited Cashback Bonus® on all purchases. Valued cardholders will get up to 20% Cashback Bonus® at popular online retailers through the exclusive ShopDiscover.com shopping mall that features many popular retailers. You'll be safe and secure with friendly, U.S.-based account managers available 24/7 to answer your questions within 60 seconds. In case of identity theft, you'll have $0 Fraud Liability plus mobile and email alerts to ensure your protection so you will never have to worry. It's no wonder Discover has been ranked #1 in customer loyalty for 16 years in a row! Read More... Visit Site

5 stars
Escape by Discover® Card

Escape by Discover® Card

The Escape by Discover® Card is a premium travel rewards card by Discover that gives Cashback Bonuses to those valued customers that enjoy getting away from it all. All cardholders can earn up to $250 in luxurious travel rewards by racking up 1,000 Bonus miles every month you make at least one purchase for the first 25 months of card membership. If you enjoy pampering travel credits and redeeming other rewards – this is the card for you. With 0% APR on balance transfers and purchases for six months and double miles on every $1 you spend – it's a truly unique offer. Your redemption options include travel credits, merchandise, gift cards, or cash. If you choose to travel, there are no blackout dates and a plethora of travel insurance benefits to make your getaway stress free. If you are ready to head far away from it all, try Discover - the brand that has been ranked #1 in customer loyalty for the past 16 years. Read More... Visit Site

5 stars
Southwest Airlines Rapid Rewards® Plus Credit Card – FREE FLIGHT

Southwest Airlines Rapid Rewards® Plus Credit Card – FREE FLIGHT

The Southwest Airlines Rapid Rewards® Plus Credit Card – FREE FLIGHT, issued by Chase, is an airline rewards credit card that will make every trip a unique experience. Cardholders are eligible for a free roundtrip flight following their initial purchase - a total of 25,000 bonus points. Purchases made with Southwest Airlines earn two points per dollar spent. Everything else receives one point per dollar spent, and you can earn unlimited free flights. 3,000 points are awarded every year on your cardmember anniversary, which roughly equals $50 in rewards airfare. Points can be redeemed for international travel, hotels, gift cards and more. Every time you travel your bags will fly free, and whenever you book your trip, rest assured - there are no blackout dates. Plus, if you need to change your flight you won't be charged a rescheduling fee. Read More... Visit Site

5 stars
IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card

The IberiaBank Visa® Gold Cash Back Rewards Card is a cash rewards card that has an exceptionally low APR and cash back rewards. When you make qualifying purchases with your rewards credit card, you can enjoy 1% cash back and there's no limit on the amount of cash back that you can earn. Cardmembers can now make purchases and balance transfers and have a significantly low interest rate with the IberiaBank Visa® Gold Cash Back Rewards Card. With a purchase APR as low as 9.25% and an exceeding low APR on balance transfers for the first six billing cycles – you won't have to worry about high bill payments. The special APR applies to balance transfers that are processed within the first three months of card membership. After that, the normal APR applies. Some of the many card features include travel benefits and coverage up to $500,000 and no annual membership fees. To ensure your safety and protection, you can manage your account online, any time for added security. This card has an incredible deal of low APR, cash back and exclusive card features – an offer you can't find anywhere else! Read More... Visit Site

5 stars
Discover® More Card - 18 Month Promotional Balance Transfer

Discover® More Card - 18 Month Promotional Balance Transfer

The Discover® More Card - 18 Month Promotional Balance Transfer is an exceptional Cashback Bonus® Rewards Card that is ideal for shoppers with outstanding credit card balances and who love rewards. Along with earning Cashback Bonus®, you get 0% APR on balance transfers for the first 18 months and 0% APR on purchases for the first six months after signing up. The card has no annual, transaction or redemption fees. When using The Discover® More Card - 18 Month Promotional Balance Transfer you'll earn 5% Cashback Bonus® on select purchasing categories such as summer fun and holiday shopping and earn between 5%-20% Cash Back through the Discover Rewards Mall at ShopDiscover.com. In addition to the extensive amount of rewards and perks with the card, you will also enjoy up to 1% Cashback Bonus® on all other purchases. With Discover, you'll receive top customer satisfaction - ranked #1 in Loyalty for 16 years! Read More... Visit Site

5 stars
IberiaBank Visa® Platinum Rewards Card

IberiaBank Visa® Platinum Rewards Card

The IberiaBank Visa® Platinum Rewards Card is a rewards credit card that offers a low introductory APR on purchases and balance transfers, along with bonus points you can redeem for hotel stays, gifts or special experiences. The card offers a special variable rate that can be as low as 9.25% for purchases. The APR is based on the prime rate and your credit worthiness, and the interest charge will be no less that fifty cents. For balance transfers, you can enjoy an APR of 1.99% for the first six billing cycles as long as you you process them within the first three months of opening your account. The rewards program includes 1 bonus point for every dollar spent on eligible purchases. Once you've collected your points, you can redeem them for hotel stays, gifts, or other experiences. On top of all these exciting rewards, you'll be covered with travel accident insurance up to $1,000,000. When you use your IberiaBank Visa® Platinum Rewards Card, you can manage your credit card information online, all the time. Choose the card that never lets you pay high interest and rewards you with bonus points! Read More... Visit Site

4 stars
Citi® Hilton HHonors™ Visa Signature® Card

Citi® Hilton HHonors™ Visa Signature® Card

The Citi® Hilton HHonors™ Visa Signature® Card , issued by Citibank, is a hotel rewards credit card that treats you to those vacation getaways you've always dreamed of. Start your card membership by earning 40,000 Hilton HHonors Bonus Points when you spend $1,000 within the first four months of account opening. Earn more bonus points in a number of ways including 6 HHonors Bonus Points for each $1 spent at a participating Hilton hotel and 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations. You will also earn 2 HHonors Bonus Points for each $1 spent on every other purchase. Plus, you will not be responsible to pay any annual fee. Read More... Visit Site

4 stars
Discover® Open Road Card

Discover® Open Road Card

The Discover® Open Road Card is a fantastic gas rewards card by Discover, that gives travelers the advantage they need. With 0% APR on purchases/balance transfers for 15 months and 2% Cashback Bonus® at gas stations and restaurants - it's the ideal card for those who want to hit the road with great rewards. When you buy through ShopDiscover.com you will earn up to 20% Cashback Bonus® at popular online retailers. As a Discover cardholder, you'll enjoy 24/7 access to a U.S. based account manager within 60 seconds . Discover is ranked #1 in customer loyalty and with good reason - Discover gives great rewards with no annual, rewards, redemption, or additional card fees. Now with the Discover® Open Road Card you can hit the pavement and take off on the journey of a lifetime! Read More... Visit Site

4 stars
Miles by Discover® Card

Miles by Discover® Card

The Miles by Discover® Card is a travel rewards card by Discover that will give you 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles. The travel rewards program will earn you 1 mile on every $1 you spend. When you redeem your easily earned miles you can enjoy a variety of premium rewards such as travel credits, merchandise, gift cars or cash! If you choose one of the luxurious travel options - there's no restrictions on whenever you take your weekend getaway. You can fly on any airline and book any hotel/car with no blackout dates. There's a 0% intro APR on balance transfers for 12 months, then the variable standard purchase APR. You won't have to stress about your safety during your time away from home. The special offer includes a plethora of top-notch travel benefits including secondary collision damage insurance when you rent a car with your Discover card. You'll always be safe, secure and satisfied with the #1 issuer in customer loyalty 16 years in a row – Discover! Read More... Visit Site

4 stars
Chase Sapphire℠ Card

Chase Sapphire℠ Card

The Chase Sapphire℠ Card is a travel rewards credit card that ensures your traveling experiences exceed your expectations no matter where you go. You will be glad you signed up when you receive 10,000 bonus points after you spend $500 within the first three months of card membership. Right away you can exchange your bonus points for $100 toward travel to get you started! Earn 2 points per every dollar spent at restaurants and 1 point every dollar spent on other purchases. Put your points toward good use and redeem them for anything travel-related, as well as gift cards, merchandise, cash back and additional exciting rewards. There is no expiration date to be on the lookout for nor is there a maximum limit to how many points you can earn. Feel at ease knowing that you have direct access to professional service advisors anytime. It's also important to note that this card features no annual fee, so every trip is as stress-free as it can be! Read More... Visit Site

4 stars
Hyatt Credit Card

Hyatt Credit Card

The Hyatt Credit Card, issued by Chase, is a hotel rewards credit card that is nothing short of exceptional! Cardholders are instantly rewarded with 2 Award Nights at Hyatt properties across the globe simply for making their first purchase with the card. Cardholders also receive 1 Anniversary Award Night annually at a category 1-4 property. Hyatt Credit Card members garner 3 Hyatt Gold Passport points for every $1 spent with their Hyatt Card at the brand's locations worldwide, and 1 Hyatt Gold Passport point is accumulated for every 1 spent on purchases everywhere else you shop. Furthermore, there is no limit to the points that can be earned. Cardholders are further rewarded with no resort, Internet or redemption fees with Award Nights. Keeping with the trend of saving cardholders money and protecting their interests, Hyatt also will waive foreign transaction fees and employs Smart Chip protection when the Hyatt Credit Card is used for international transactions. Read More... Visit Site

4 stars
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back , issued by Citibank, is a cash back rewards credit card that earns you bonus cash back, along with a special introductory APR. You will get $100 cash back when you spend $500 in purchases during the first three months of card membership. As a Citi cardholder, you will also be qualified to receive a 0% introductory APR on balance transfers and purchases for 12 months. A variable APR between 12.99% - 22.99% that is based on your credit worthiness and the prime rate will go into effect once this period ends. Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from April 1st, 2012 to June 30th, 2012 when you sign up for bonus categories enrollment every quarter. You will receive 1% cash back on every other purchase, as well as eligible cash advances. There is no annual fee with this card. Read More... Visit Site

4 stars
Citi ThankYou® Preferred Card - $150 in gift cards

Citi ThankYou® Preferred Card - $150 in gift cards

The Citi ThankYou® Preferred Card - $150 in gift cards , issued by Citibank, is a rewards credit card that earns you points fast with no expiration date. Spend $1,000 in purchases during the first three months and receive 15,000 bonus ThankYou® Points that you can redeem for a $150 gift card. Earn 5 ThankYouPoints for every $1 spent on purchases made at gas stations, grocery stores and drugstores. After 12 months, you will earn 1 point for every $1 spent at these locations instead. The choice is yours when it comes to what you would like to redeem your ThankYou Points for. Select anything from merchandise, travel rewards, gift cards, cash and more. There is no set amount as to how many points you can earn nor are you charged an annual fee with card membership. Read More... Visit Site

4 stars
Citi Forward® Card

Citi Forward® Card

The Citi Forward® Card , issued by Citibank, is a rewards credit card that provides you with many opportunities and benefits to financially move forward. Save with a special 0% intro APR offer that's good for 12 months on balance transfers and 7 months on purchases. A variable APR between 12.99% - 22.99% will kick in thereafter. Make $650 in purchases and set up to receive paperless statements within the first three months and you will earn 10,000 bonus ThankYou® Points. Earn reward points on every purchase, including 5 ThankYou Points for every $1 spent at restaurants and on books, movies and music. Earn 1 ThankYou Point for every $1 spent on other items. You can lower your APR for purchases by up to 2% when you follow certain guidelines, including paying on time for three consecutive billing periods. Plus, you won't be charged any annual fee. Read More... Visit Site

4 stars
Citi ThankYou® Preferred Card - 25,000 points - $250 in gift cards

Citi ThankYou® Preferred Card - 25,000 points - $250 in gift cards

The Citi ThankYou® Preferred Card - 25,000 points - $250 in gift cards , issued by Citibank, is a rewards credit card that earns you unlimited ThankYou® Points day in and day out. 25,000 bonus ThankYou® Points will be added to your account when you spend $2,000 in purchases within the first four months of account opening. Redeem these points toward a $250 gift card – and this is just the beginning! Earn 1 point for every dollar spent on all your purchases. There is no expiration date and no set limit to the number of points you can earn. Your ThankYou Points can be exchanged for merchandise, travel rewards, gift cards, cash and a lot more. Plus, you will receive an anniversary bonus every year that you remain a cardholder, and there is no annual fee to pay off. Read More... Visit Site

4 stars
Citi ThankYou® Card

Citi ThankYou® Card

The Citi ThankYou® Card , issued by Citibank, is a rewards credit card that earns purchase-earned ThankYou® Points and allows you to enjoy a special 0% Introductory APR offer. Sign up and receive a 0% Introductory APR on balance transfers and purchases for 15 months. A variable APR between 12.99% - 22.99% will apply thereafter, based upon your creditworthiness. Receive an anniversary ThankYou Points bonus every year, and earn 1 ThankYou® Point for every dollar spent on purchases. Redeem for appealing rewards such as merchandise, travel packages, gift cards, cash and other items. Plus, you won't have to worry about an annual membership fee - there is none! Read More... Visit Site

4 stars
Discover® More Card

Discover® More Card

The Discover® More Card is a sensational rebate rewards credit card issued by Discover that earns cardmembers Cashback Bonus® with every purchase they make - and never charges an annual fee. With a fantastic start of 0% introductory APR on purchases and balance transfers for 15 months - you'll have zero interest for the beginning of your card membership. Now you can enjoy top-of-the-line rewards that include 5% Cashback Bonus® in categories that change seasonally. These grand categories include gas, restaurants, department stores and more! The amazing rewards that Discover offers continues with ShopDiscover.com, where you can shop at popular merchants and earn up to 20% Cashback Bonus®. All the while, you can feel safe and secure with a U.S.- based friendly account manager readily available within 60 seconds to answer any of your questions. The card has $0 fraud liability with convenient mobile and email options for immediate alert and no worries. With epic rewards, no annual fee, no rewards/redemption fee and no additional card fee - no wonder it is ranked #1 in customer loyalty for 16 years in a row! Read More... Visit Site

4 stars
Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card

The Marriott Rewards® Premier Credit Card, issued by Chase, is a hotel rewards credit card that makes it easy for you to plan your getaway vacation. Make your first purchase or balance transfer and receive 50,000 BONUS points just for using the card! When your account is approved, you'll also get 1 FREE night hotel stay at a Category 1-4 location of your choice. Earn 5 points for every $1 spent at a Marriott® location, 2 points for every $1 spent on eligible dining, plane ticket and rental car purchases, and 1 point for every $1 spent on any other purchase. There is no limit to how many points you can earn nor are there any foreign transaction fees if you travel abroad. Receive Elite Status with regular purchases (1 Elite Night Credit for every $3,000 spent) and annual credit (15 Elite Night credits upon every membership anniversary). Plus, enjoy another FREE night hotel stay every year on your account anniversary. And with your annual fee waived for the first year ($85 savings!), you won't have to do too much thinking to realize the Marriott Rewards® Premier Credit Card is the one for you! Read More... Visit Site

4 stars
Marriott Rewards® Credit Card

Marriott Rewards® Credit Card

The Marriott Rewards® Credit Card is a hotel rewards credit card, issued by Chase, that offers members incentives on lodging accommodations even before they embark on their next trip. Account holders are rewarded with 30,000 bonus points after making their first purchase and are eligible for 2 free night stays at a top rated Marriott location once their account is approved. They can also garner up to 3 points on every $1 spent at any of Marriott's 3,400 locations, in addition to 1 point earned per $1 spent on everyday purchases. There's no limit to the number of points cardmembers can earn. Furthermore, cardmembers can attain Elite Status faster with 10 nights credit toward their Elite membership on their account anniversary date. An additional 1 Elite Night Credit is achieved for every $3,000 spent. The Marriott Rewards® Credit Card is made for the traveler who enjoys the service and comfort Marriott is known for. Read More... Visit Site

4 stars
United MileagePlus® Explorer

United MileagePlus® Explorer

The United MileagePlus® Explorer Card, issued by Chase, is an airlines rewards Visa credit card that earns you miles every time you fly. Earn up to 40,000 bonus miles for things like your first purchase and your annual spending. Plus, you'll rack up 1 reward mile for every $1 you spend and double miles on airfare purchases through United or Continental Airlines. The first time you use your card, you'll earn 25,000 bonus miles. Do so within your first 2 months of card membership and you'll earn another 5,000 bonus miles when you add an additional user to your account within that same time period. And when you spend $25,000 or more on your card each calendar year, you'll earn an additional 10,000 bonus miles. As a card member you and a companion can check your first bag for free on United or Continental (a $50 savings) and board before everyone else with Priority Seating. You'll earn two annual complimentary passes to the United Club airport lounge where you'll enjoy free snacks, beverages, and Wi-Fi. Add to that the fact that the annual fee for this card is waived for the first year (a $95 savings) and the United MileagePlus® Explorer Card is a very hard airline rewards offer to beat! Read More... Visit Site

2 stars
Chase Sapphire Preferred℠ Card

Chase Sapphire Preferred℠ Card

The Chase Sapphire Preferred℠ Card is a travel rewards credit card that comes with superior earnings potential that will allow you to fully utilize your card points. Earn 40,000 bonus points – the equivalent of $500 toward travel rewards – just for spending $3,000 in the first 3 months. Members earn two points per dollar spent on travel and restaurants, and an additional point on every $1 spent on airfare and hotel accommodations booked through Ultimate Rewards℠. You will also enjoy a 20% discount when you redeem your points for anything travel-related through Ultimate Rewards℠. All other purchases earn one point per $1 and there's a 7% annual points dividend - so you can earn points on your points! Rest assured there is no point expiration, no blackout dates, no reward limits, no annual fee for the first year, and no foreign transaction fees with this travel card. The Chase Sapphire Preferred℠ Card provides premier travel benefits – so you take full advantage of your next exciting trip! Read More... Visit Site

2 stars
British Airways Visa Signature Card®

British Airways Visa Signature Card®

The British Airways Visa Signature Card® is an airline rewards credit card offered by Chase to smart shoppers and travelers alike. This card provides Avios reward points to frequent travelers when purchases are made. Sign up for this card and you can enjoy 50,000 bonus Avios points after you make your first purchase. If you spend $10,000 within the first year you can enjoy 25,000 bonus Avios as a reward. If you spend an additional $10,000 in purchases during the first year you can take advantage of an additional 25,000 bonus - enough for a business class reward plane ticket for a round trip flight. For every dollar you spend on British Airways purchases you can earn 2.5 Avios. All purchases you make can earn you 1.25 Avios for every dollar you spend. Plus, for every year that you spend $30,000 with your card, you can earn a Travel Together Ticket which is good on flights for two years! In order to help you travel securely and safely, Visa has installed Smart Chip Technology into the card, allowing you to use it for chip based purchases in Europe and beyond. The card has an extensive number of "first class" card features and only a $95 annual membership fee. Apply now if you are shopping for a card that lets you travel smart and secure! Read More... Visit Site

2 stars
Chase Freedom® Visa

Chase Freedom® Visa

The Chase Freedom® Visa card is a remarkable cash rewards credit card that gives cardmembers $100 bonus Cash Back just for spending $500 during the first three months. You will also receive Cash Back in select bonus categories every three months. When you sign up for this exceptional credit card offer, you do not have to pay interest for over a year – there's 0% APR for 15 months on purchases and balance transfers. What you'll get in return for your spending is 5% Cash Back in categories that rotate every three months. These categories include restaurants, gas stations, and even airlines! For example, you can enjoy 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters until June 30th. All you have to do to accept this free award is activate it ahead of time – it's easy! For all of your other transactions, you can enjoy 1% Cash Back and up to an additional 10% Cash Back when you shop online through the Chase Ultimate Rewards mall. The rewards mall features a wide variety of merchants that you already know and love. The Chase Freedom® Visa is a genuine Visa credit card with zero annual fee - what could be better? Apply now! Read More... Visit Site

2 stars
Chase Freedom® MasterCard

Chase Freedom® MasterCard

The Chase Freedom® MasterCard is a cash rewards credit card offer that awards card members instantly with a $100 bonus Cash Back when spending $500 within the first 3 months of card membership. Throughout your membership, you can enjoy 5% Cash Back rewards in various categories such as gas stations, restaurants, movie theaters and even airlines. For example, card members can enjoy 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters until June 30th. For all of your other retail transactions, you'll get 1% Cash Back and up to 10% Cash Back when you shop online at select merchants via Chase. This exceptional credit card offer has no annual fee and the Cash Back rewards points never expire. Choose the card that gives Cash Back to you with the Chase Freedom® MasterCard. Read More... Visit Site

2 stars
United MileagePlus® Club Card

United MileagePlus® Club Card

The United MileagePlus® Club Card , issued by Chase, is a travel rewards credit card that opens the door to exclusive benefits and one-of-a-kind opportunities whenever you fly. Make your way to your destination by earning 1.5 award miles per dollar spent and having to pay no foreign transaction fees. Get ready for the trip ahead with Premier Access℠ Priority Airport Services that will cater to your traveling needs. You will also have the convenience of checking in your first and second bag for free. Receive access to fun events and unique experiences with Inside Access from Chase, only available to cardholders like you. The United MileagePlus® Club Card comes with a $395 annual fee, and a $95 statement credit is yours after your first purchase. Sign up now!! Read More... Visit Site

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.

 

 

 

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New Video by CSI globalVCard Reveals That CFOs Slow to Adopt Electronic Payments May Be Holding Their Company Back from More Profitable Way of Doing Business
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Grocery King Boosts User Retention with Mobile Loyalty Platform Lootsie
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Cabelas Announces Plans for Centerville, Ohio, Location
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staySky Vacation Clubs Readies For Anniversary Celebration
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