TopConsumerReviews.com Best Rewards Programs Credit Cards
      November 17, 2018

Home  >  Rewards Programs Credit Cards

Your Information Is Secure
Credit Cards: The Lowdown Newsletter

Latest Reviews

Bunk Beds

Charm Bracelets

Dating Sites

Eczema

Flower Delivery

Guitar Lessons

Hair Loss

Lice

Menopause Relief

Online Stock Brokers

Watches

 

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

 

 

 

 

Get Your Next Set of Luggage at Luggage Pros!

 

 

 

Get Your Next Gift Basket at Gift Tree 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.

 

8 ways to use credit-card rewards to stay on budget during the holidays

Some retailers partner with credit-card rewards programs so you can pay for your purchase with points. For instance, you can use your American Express, Chase, Citi and Discover rewards for Amazon purc...

Published:  Wed, 14 Nov 2018 11:14:00 GMT



Credit Cards Do Reward Loyalty, Just Not in Flashy Ways

Starting a relationship with a credit card can feel like getting involved with another ... Fifty-six percent of customers who switched cards said that they switched for a better rewards program or to ...

Published:  Wed, 14 Nov 2018 12:42:00 GMT



Why you should consider opening Bank of America's $95-a-year rewards credit card

... make your choice easier is the Bank of America Premium Rewards credit card. As one of the best mid-tier cards, you can expect cash back for redemptions, a flexible rewards program, a low $95 annua...

Published:  Mon, 12 Nov 2018 10:50:00 GMT



AI Creeps Into Credit Union Card Rewards

According to a survey of credit unions and banks by financial technology ... without a doubt," Legters warned. "There are card processors who offer rewards programs," he added. "Then there are also re...

Published:  Fri, 16 Nov 2018 06:21:00 GMT



Capital OneĀ® VentureĀ® Rewards Credit Card

There are no foreign transaction fees - a must for any good travel card. You have to make your travel purchase first and then redeem your rewards as a credit on your statement. Some other rewards prog...

Published:  Thu, 15 Nov 2018 18:29:00 GMT



These are the things cheapskates look for in a credit card

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% of credit card customers said they don't fully unde...

Published:  Thu, 15 Nov 2018 01:03:00 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