Credit Cards: The Best Rewards Programs in the Market
Credit cards always use rewards as a come on to the different markets available for them to tap. You are part of that market, which means, these credit card issuers are bound to have one or a couple of credit card rewards program that will suit you.
The “give me some of my money back” crowd
If you are part of the clientele that wants part of its money back, you should apply for a credit card that offers cash rebates or cash back guarantees. The plastic issuers that offer this kind of program are Discover, American Express, Chase Bank, And Capital One. Other rewards that come with these type of cards may be 0% introductory annual percentage rates, zero annual fees, instant cash back on your first purchase, and from 3% to 5% money back on your expenditures.
Cash back or money back credit cards offer that a little amount of the money you spent can be recouped. It can be transferred to your bank account or you can choose to use it to reduce your billing for the month.
Cash -rebates -credit cards offer various rebates on purchases you make. People who regularly travel can avail of the frequent flyer credit card programs that give out rewards in the form of airline miles that can be concerted to points. Gathering enough points entitles the bearer to discounted airfare or even free air travel.
Bank of America, HSBC Bank, Capital One, and American Express are but a few of the credit card companies that offer mileage programs.
Traveling people can also get a good use out of hotel rewards credit card programs. You may get freebies such as free stays or dinners, or even leisure activities such as health spa services when you have gathered enough points via charging your room and food expenditures on your card.
Gas credit card rewards, meanwhile, are very useful to automobile owners since they give rebates on any spending directed to the vehicle including maintenance.
The Visa Card from Chase has also tied up with Disney to come up with the Disney Rewards Program. This entitles the bearer to earn points towards Disney theme park tickets, Disney Cruise vacations, Disney DVDs , toys, books, movies, and other Disney exclusive shows and events. This would be best for parents with small children; unlimited Disney products!
The AT&T Universal Savings and Rewards Card allows you to earn back as much as 10% on AT&T purchases in the first year of availing, with the bonus of earning points for every purchase you make with the credit card. This also includes free AT&T telephone service minutes every month.
For the sports aficionado, the MLB (Major League Baseball) Extra Bases credit card allows for accumulation of points toward baseball merchandise, autographed souvenirs, VIP seats and gift certificates.
With all these credit card rewards programs for every need, you will surely have an exhausting, but fun, time searching for the best credit card for you.