TopConsumerReviews.com Best Rewards Programs Credit Cards
      October 18, 2018

Home  >  Rewards Programs Credit Cards

Your Information Is Secure
Credit Cards: The Lowdown Newsletter

Latest Reviews

Acne Products

Coffee Clubs

Company Incorporation

CPA Exam Reviews

Credit Repair Companies

Dog DNA Testing

LLC Formation

Meal Delivery Programs

People Search

Pet Insurance

Wholesale Dropshippers

 

Related Articles

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

 

 

 

 

Lose Weight Today

 

 

 

Get Your Contact Lenses At Coastal Contacts Today!

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

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

2018

Rewards Programs Credit Card Reviews

5 stars
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

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

4 stars

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™ 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® 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

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.

 

Marriott Rewards Premier Plus Credit Card Review - 75,000 Point Bonus Offer

... includes bonuses and gives you a way to earn even more rewards through Marriott's rewards program. Here's what you need to know about this travel credit card. You shouldn't really choose a travel ...

Published:  Tue, 09 Oct 2018 04:09:00 GMT



A cheapskate's guide to shopping for credit cards

which jibes with easy-to-understand cash-back reward programs, as opposed to complicated points and miles systems. In a recent J.D. Power study, 36 percent of credit card customers said they don't ful...

Published:  Tue, 16 Oct 2018 07:36:00 GMT



Picking the Right Credit Card: 8 Great Options for Travelers

The good news: Whether you're a weekend warrior, a jet-setter, or just an average spender, there's a program ... and this card will reward you with a $200 statement credit.

Published:  Wed, 17 Oct 2018 02:07:00 GMT



Zero-interest debt consolidation: Find out how to choose and use a balance transfer credit card

Length of the 0% APR introductory period APR after the introductory period ends Whether the card charges an annual fee Balance transfer fees Rewards programs and other perks As with any credit card, b...

Published:  Tue, 16 Oct 2018 11:51:00 GMT



John Ninfo: Do you spend more with rewards cards

According to retailwire.com, 92 percent of all purchases made with credit cards are made with rewards cards, up from 67 percent ... and the founder of the National CARE Financial Literacy Program. Fin...

Published:  Sun, 14 Oct 2018 15:51:00 GMT



Canada's Best Credit Cards 2018

If you use your card wisely, pay off your balance monthly and find the right rewards program for you, you're sure to come out ahead. There's a barrage of credit card options out there, so making a cho...

Published:  Tue, 16 Oct 2018 05:00:21 GMT



USA Technologies Widens Cashless Choices, Reward Programs

To help operators meet that expectation, USAT is doing its part on the "back end" of the technology to enable vending and micromarket operators to accommodate customers, whatever their preference, inc...

Published:  Mon, 15 Oct 2018 15:55:00 GMT



Shoppers Love Rewards Credit Cards. Retailers Hate Them.

Consumers have become addicted to credit cards with generous rewards programs. Retailers are trying to cut them off. Large merchants including Amazon.com Inc., Target Corp. and Home Depot Inc. are pus...

Published:  Wed, 26 Sep 2018 04:50:00 GMT



Credit Card Rewards Battle Continues as Customers Seek Better Programs, J.D. Power Finds

COSTA MESA, Calif., Aug. 16, 2018 /PRNewswire/ -- As credit card customers drive up credit card debt to an all-time high, more of them are switching cards for a better rewards program, according to th...

Published:  Wed, 15 Aug 2018 17:00:00 GMT



Think Twice About Debit Card Reward Programs

(TNS)-You don't have to use a credit card to earn rewards on your daily purchases. Some banks reward debit card users with cash back, miles or points. Online banks like Bank of Internet USA offer debi...

Published:  Mon, 26 Mar 2018 13:47:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure