Rewards Programs Credit Card Reviews

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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.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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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.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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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.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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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.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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Rewards Programs Credit Cards

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!



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.

 



Reward Program Credit Cards In The News

How Do Shell Rewards Compare to Other Gas Rewards Credit Cards

Whether tied to a specific credit card or not, finding a great rewards option can significantly reduce your costs at the pump. Shell Rewards is just one of many options available. But how do Shell Rew...

Published:  Wed, 12 Sep 2018 04:27:00 GMT



Do's and Don'ts of Using Store Credit Cards for Holiday Shopping

And with the JCPenney Rewards program, cardholders can get a point per every dollar spent, which apply toward special discounts and coupons. It can be a smart idea to use a store credit card ...

Published:  Tue, 18 Sep 2018 09:57:00 GMT



Best Cash Back Credit Cards

The Bank of America® Cash Rewards credit card offers a lucrative 3-2-1 rewards program that pays 3% on gas, 2% on groceries and wholesale clubs, and 1% cash back on all other types of spending. Whethe...

Published:  Thu, 13 Sep 2018 02:09:00 GMT



Nordstrom gets personal with "śNordy Club' rewards program upgrade

The program awards extra reward points for purchases made with cash or Nordstrom credit cards. "We've seen significant growth in our program over the last few year," Chief Marketing Officer Scott Mede...

Published:  Fri, 14 Sep 2018 07:46:00 GMT



Citi Retail Services Launches New Shell | Fuel Rewards Credit Cards

In an industry-first move, these cards will combine fuel and non-fuel savings opportunities through the Fuel Rewards program, simplifying the customer ... including consumer banking and credit, corpor...

Published:  Thu, 06 Sep 2018 07:01:00 GMT



Canadians Switching Credit Cards In Effort To Find Better Rewards Programs: Survey

The results showed that 87% of credit card users were enrolled in a rewards program, and, on average, they spent about $600 a month on their primary credit card. "There's more to a satisfying rewards ...

Published:  Tue, 11 Sep 2018 06:48:00 GMT



American vs. Delta vs. United - we compared the 3 most popular airline credit cards and named a winner

If you generally fly with one preferred airline and earn frequent flyer miles on that program when you travel ... which can far outweigh the value of any rewards or benefits. When you're working to ea...

Published:  Tue, 11 Sep 2018 18:33:00 GMT



Hilton Honors Members Get First Access to Bigger Credit Card Bonuses

6, 2018, loyalty program members are the first to be able to take ... But those who want more flexibility in their hotel rewards may want to consider a flexible rewards card. You want a travel credit ...

Published:  Thu, 06 Sep 2018 15:30:00 GMT



FE CREDIT Enables Mobile Payments for Its Cardholders across all Card Accepting Terminals through Samsung Pay

Cardholders can then start transacting with their mobile phone without requiring their physical card or wallet. This enables even small ticket payments like groceries & taxi fare. FE CREDIT has its ow...

Published:  Sun, 16 Sep 2018 19:22:00 GMT



Five Reasons Why You Should Have a Credit Card

Some credit cards even offer additional perks like first-dibs on concert tickets, insurance for rental cars, and other benefits. It's all about finding the right card and rewards program for you and y...

Published:  Sun, 16 Sep 2018 20:27:00 GMT




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