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Rewards Credit Cards
We will cover two important areas here. Firstly, how to choose the most suitable Rewards Credit Card for your personal circumstances - and secondly, what the best Rewards Credit Card offers are for the current week. Read the guide then compare the cards!
Rewards
credit
cards
include
any
type
of
credit
card
that
awards
you
with
some
form
of
free
bonus
simply
for
using
the
card
to
purchase
items.
The
most
common
types
of
reward
schemes
include
cashback,
points
and
gas
although
there
are
several
other
forms
as
well.
For
a
full
list,
check
out
the
credit
cards
by
rewards
type
section.
How do Rewards
Cards work?
In
simple
terms,
every
time
you
use
your
credit
card
to
make
purchases
you
qualify
for
whatever
type
of
reward(s)
are
offered
with
the
card.
For
example,
if
you
apply
for
a
rewards
credit
card
that
offers
cashback
with
specific
types
of
purchases
e.g.
home
improvement
products,
restaurant
meals,
books
or
music
etc,
you
will
be
awarded
a
fixed
amount
of
cash
that
accumulate
alongside
your
credit
account.
Points rewards work in the same way, although the points you earn usually have to be redeemed against certain products and services rather than claimed in cash.
Then there are
Airline cards which usually award you miles at a rate of 1 airmile for each dollar you spend on your card. These can then be redeemed against the cost of internal and international air fares.
There
are
many
other
types
of
rewards
too
so
you
have
to
choose
your
card
carefully,
according
to
your
lifestyle
and
spending
habits
in
order
to
derive
the
maximum
amount
of
benefit.
Who would
benefit from
this type of
credit card?
The
people
who
will
benefit
most
from
rewards
credit
cards
are
those
that
pay
off
their
entire
balance
in
full
at
the
end
of
each
month.
When
you
think
about
it,
it
is
totally
logical
why
this
is
the
case
because
if
you
don't
clear
the
balance,
you'll
get
charged
interest
and
the
cost
of
the
interest
will
dwarf
any
rewards
that
you'll
receive.
If
you
know
you
can
definitely
pay
off
your
balance
then
it
could
be
worth
applying
for
a
credit
card
that
offers
rewards
that
you
are
interested
in
and
will
actually
use.
If
you
won't
be
able
to
pay
off
the
balance
each
month
(and
be
realistic
about
this),
go
for
a
0%
interest
card
instead.
It
could
save
you
a
substantial
amount
of
money
depending
on
your
spending
habits.
The Golden Rule
regarding
annual fees.
The annual fees
for some rewards
cards can be
relatively high,
from $20 per
year, all the
way up to $500!
The golden rule
is, if the card
you want to
apply for does
charge an annual
fee make sure
you will earn
enough rewards
(based on your
spending habits)
during the year
to cover the
cost – otherwise
you will be out
of pocket from
the get go!
The best Rewards Credit Card offers for the current week...
Whilst
other
finance
websites
usually
list
vast
huge
numbers
of
available
credit
card
offers
on a
single
page,
in
our
view,
all
that
does
is
create
confusion
(and
a
lot
of
research
work)
for
you,
the
consumer.
We've
done
all
that
work
for
you.
The
top
three
cards
in
our
opinion
are
each
marked
with
5
stars.
Remember,
credit
card
companies
change
their
offers
all
the
time
and
the
below
information
is
correct
at
the
time
of
writing.
Be
sure
to
double
check
the
terms
of
the
offer
on
the
provider's
website
before
completing
an
application.
Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of Card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, sporting events, and more.
Introductory annual fee of $0 for the first year, then $175
Get a decision in as little as 60 seconds.
Regular APR
Annual Fee
Balance transfers
Credit Needed
N/A*
Introductory annual fee of $0 for the first year, then $175
Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program®: big deals on big brands, all the time
Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
Get approved in 60-seconds
Regular APR
Annual Fee
Balance transfers
Credit Needed
17.24%-22.24% Variable
$0*
Yes*
Excellent Credit*
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Approvals.com - Saving America money with great deals
and fast approvals for cards, loans, mortgages &
insurance!
We have organized the website to make it as easy as
possible to identify cards, loans, mortgages and
insurance that you
will find most beneficial. However, we cannot guarantee
that you will be approved for any financial service or
offer displayed on Approvals.com because financial
companies make decisions based upon personal
circumstances, FICO & credit scores as well as
other information and their criteria is subject to change
and varies constantly.
Please note that we are not a lender and do not loan any
money. In addition, we may receive a commission from financial
companies that we recommend or review on the website. We cannot be held responsible
for the content and/or actions of external websites and
services that
are linked to from Approvals.com and you will be subject
to their terms and conditions when using them. Visitors
to Approvals.com are also responsible for researching
offers and making
financial decisions that are most suitable for their own
circumstances. The information found present on this
website is designed to help you choose financial products amd does not constitute financial advice.
Be very sure to read the terms and conditions before applying for
any financial offer.
