December 15, 2017

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The Tricks of a Credit Card Rewards Program

What to Avoid in a Credit Card Rewards Program

What to Expect from a Credit Card Rewards Program


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What to Expect from a Credit Card Rewards Program

The first thing you can expect when looking for a credit card rewards program is a multitude of rewards. Take the time to shop around before picking a rewards program.

There are cards that are geared towards small businesses, travelers, students and people that work and live near home. The most popular rewards are cash back on purchases or airline miles, but you can find programs that reward you with store gift cards to exercise equipment to iPads and other electronics. There are also cards that allow you to redeem points for other services such as hotels and rental cars. For those that travel often, cards that reward customers with frequent flyer miles typically offer generous rewards while benefiting from other travel discounts (such as hotels and rental cards) when using the card.

Just about every credit card company (Visa, MasterCard, Discover, American Express, and more) has one or more credit cards that come with rewards programs. Often stores offer credit cards that reward you with purchases from that store. Sometimes you are limited to spending money in that store, other times you can use the card on purchases anywhere.

Typically most reward programs operate using a point based system by rewarding you a certain amount of points for every dollar your spend ($1 spent equals 1 reward point). With most rewards, they tend to become cheaper as the point level rises. For example a $50 gift card may cost 6000 points and a $100 gift card may cost 10,000. Often a card will have a bonus period that allows you to earn additional points on specific (or all) purchases for a predetermined time. You should also expect your card to provide you with additional benefits such as rental car insurance and other travel benefits.

Customer support should be easily accessible. If an issue arises with your credit card, you want to be able to access customer support 24 hours a day and have quick prompt service. You want a card that monitors transactions and notifies you when a purchase seems out of the ordinary. They should also provide you with zero liability coverage for any unauthorized transactions. You should also expect to be able to check and pay your balance easily using an online banking system.

Although interest rates may vary, most people can expect to be approved for a credit card with a rewards program. People with low or no credit are being approved for credit cards with limited maximum balances and high interest rates. Those with good credit history usually receive the lower advertised interest rates.

No two rewards programs are exactly the same, so be sure to research and read the fine print before signing up. Use independent reviews of the credit cards to see how their rewards programs compare. With the variety of credit card rewards programs available, you can expect to find a program that will work for you.

Starbucks Credit Card Rewards Review: Points and Freebies for Coffee Lovers

the upcoming Starbucks rewards credit card might be the best way to rack up and use rewards points. The current Starbucks Rewards program is connected to a Starbucks card that you register online or on the Starbucks app. It does not involve a store credit ...

Published:  Thu, 14 Dec 2017 17:33:00 GMT

Mastercard rolls out first "˜debit rewards' program

MASTERCARD is setting its sights on the millennial market with a new rewards program targeted at debit card customers, in what it says is an Australian first. Growth in the number and value of debit card transactions continues to outpace growth in credit ...

Published:  Thu, 14 Dec 2017 20:18:00 GMT

Is the Amex SPG Credit Card Going Away in 2018

and Starwood Preferred Guest loyalty programs into one. On the bright side, Marriott and American Express provided a little more clarity this week on the future of the Starwood Amex brand. Marriott is launching new Marriott Rewards credit cards in 2018 ...

Published:  Thu, 14 Dec 2017 16:49:00 GMT

Want to Be Smart About Credit Cards 5 Must-Follow Rules

Just don't be so wooed by the promise of a generous rewards program that you sign up even though you don't actually want the rewards being offered. No matter how much you earn in credit card rewards, you'll still lose money if you're paying interest.

Published:  Wed, 13 Dec 2017 08:19:00 GMT

4 tips to maximize your rewards credit cards

"And they don't even realize it." Of course, the point of getting a rewards credit card is to treat yourself to the perks of the rewards program. Here are four tips that will help you maximize your credit card rewards so you don't leave any on the tabl

Published:  Thu, 07 Dec 2017 09:08:00 GMT

Report: Credit card rewards, online transfers thrive in Canada

That was one the many themes to emerge in a report from Payments Canada, which also concluded that credit cards are paving the way for easy payments and luring new customers with lucrative rewards programs while online and mobile banking are gaining the ...

Published:  Thu, 14 Dec 2017 13:16:00 GMT

Best Student Credit Cards

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card.

Published:  Wed, 13 Dec 2017 05:54:00 GMT

The Best Ways to Pay for a Wedding With a Personal Loan or Credit Card

... are the cards that MyBankTracker recommends for couples who want to use credit to foot their wedding bill. Chase Sapphire Preferred Ā® Card has a versatile rewards program designed for people who spend on travel and dining. Points can be redeemed for ...

Published:  Tue, 12 Dec 2017 13:43:00 GMT

Despite high interest rates, people still sign up for department credit cards

"People of all shapes and sizes, all income levels, they all prefer cash back for their credit card rewards," said Matt Schulz ... Erika was a regular contributor to NPR and PRI programs and Scientific American podcasts. She's been a staff reporter ...

Published:  Mon, 11 Dec 2017 08:15:00 GMT

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