October 19, 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.

IHG Rewards Club Select Credit Card

The IHG Rewards Club Select Credit Card can help you quickly earn free nights ... they do not participate in the IHG Rewards program. This card also offers a modest sign-up bonus of 60,000 bonus points, worth about $375, after spending $1,000 within ...

Published:  Wed, 18 Oct 2017 09:42:00 GMT

Retailers Lure Customers to High Interest Credit Cards With Increasing Rewards

While about one-third of the 65 cards surveyed added value to their rewards programs in the past 12 months, the average retail credit card APR also rose for the third straight year to 24.99%. The number is even higher for store-only cards (26.38%).

Published:  Wed, 18 Oct 2017 10:20:00 GMT

2017 Retail Store Card Survey: Customers lured to high interest cards with more rewards

... to look more like general-purpose cash back cards with more robust rewards programs, all the while charging more for the privilege, according to's 2017 annual survey of retail credit cards. Americans love their credit card rewards.

Published:  Wed, 18 Oct 2017 06:47:00 GMT

Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards

Another travel rewards credit card of 2017 has entered the market ... If so, you can earn a bonus with their Preferred Rewards program that will give you a 25%, 50%, or 75% bonus on each purchase that can let you earn up to 3.5 points per $1 spent.

Published:  Wed, 18 Oct 2017 10:56:00 GMT

Is a Disney Credit Card Right for You

An in-depth look at the Disney credit cards and their rewards programs. Disney has two credit cards offering big savings to Disney park goers and store patrons alike. Both the Disney Rewards® Visa® Card and the Disney Premier Visa® Card feature a ...

Published:  Mon, 16 Oct 2017 09:28:00 GMT

The 6 Best Hotel Credit Cards for Rewards

If you're a jet setter, there is no shortage of travel rewards credit cards to choose from. But sometimes, you get the most value out of rewards programs if you use cards that focus on a particular type of reward. For travelers, this could be airfare ...

Published:  Tue, 17 Oct 2017 05:00:01 GMT

How to Get Cash Back From Your Credit Card

Some secured credit cards, which are designed for people who have low credit scores and lower spending needs, offer pretty attractive cash-back rewards programs. The Discover it® Secured Card offers 1% cash back on most types of spending, plus 2% cash ...

Published:  Thu, 12 Oct 2017 03:15:00 GMT

HSBC Gold Mastercard and HSBC Cash Rewards Mastercard: Credit Cards for World Travelers

The main drawback to this card is that it does not have a rewards program. If rewards are a must-have for your credit cards, you will want to look elsewhere. HSBC Cash Rewards Mastercard Why We Love It: Like the HSBC Gold Mastercard, the Cash Rewards ...

Published:  Tue, 10 Oct 2017 13:53:00 GMT

Travel 101: Best Credit Cards for Travelers

So, what's the best piece of plastic for you Ultimately, it boils down to your travel behaviors-and marrying how you spend money traveling with a credit card's rewards program. "I always recommend having a redemption goal in mind before you set ...

Published:  Tue, 17 Oct 2017 09:49:00 GMT

Turkish Airlines lands its first Australian credit card partner

Australians can now earn frequent flyer points in the Turkish Airlines Miles & Smiles program from their everyday ... customers with the Citi Prestige Visa Infinite credit card can convert three Citibank Rewards points into one Turkish Airlines mile ...

Published:  Wed, 18 Oct 2017 12:40:00 GMT

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