When in search for a reward credit card, people tend to focus on the monetary incentives and overlook the non-monetary privileges of the best credit card offers. But did you know that you can actually benefit a lot from these perks? If you know how to make use of your privileges as a cardholder, you can also save a considerable sum of money. In this article, let’s take a closer look at some of these perks:
Collision damage waiver for car rental services. If you’re going on a trip and will need to rent a car for a few days, check if your car reward credit card offers a collision damage waiver so you don’t have to purchase a separate insurance from the car rental company. This can save you anywhere from $10 to $20 per day, extra bucks that you can use for shopping.
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Credit cards have become so commonplace that there is active competition between banks to get new customers. A low interest rate is always an attractive option for a new customer but the rates can only be reduced so much before it becomes unprofitable to support an account. One method that many banks and credit card companies have started to use is to offer rewards to customers. Credit card rewards programs give the cardholder some type of incentive to make purchases with the card. When enough of these incentives have accrued they can then be turned in for some discount or benefit. The best rewards credit card will be different for each person since some deal with very specific niches that might not be useful for everyone.
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Are you planning to sign up for a reward credit card this year? If yes, make sure that you will make the right choice. More importantly, you should follow a strategy to enjoy the benefits and avoid the risks. Consider these five factors that can make a reward credit card unrewarding.
1. High maintenance costs. How much will you need to spend to keep your reward credit card active? Some of the top credit cards carry very steep interest rates and annual fees. The yearly fee can range anywhere from $50 to $100 and above.
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Credit cards with gas rewards may not be as popular as travel reward credit cards and cash back credit cards but if you frequently drive a car, then you may consider getting one for your wallet. The right gas reward credit card can be a wonderful partner and can even help you stretch that gasoline budget. On this post, let’s take a look at smart tips on how you can choose the right gas reward card and how you can use it to your advantage:
Bank or Merchant Sponsored? Gas credit cards can either be sponsored by a bank or a gasoline company, so which one should you pick?
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You can make the most out of your credit card rewards by following the right strategy. Are you ready to start the year right? On this post, let’s take a look at the specific ways as to how you can rack up more points and get rewarded sooner.
Look for a credit card that fits your lifestyle. It’s very important to start with the right reward credit card on your hands. If you’re a frequent traveler, get a credit card with airline miles or frequent flier rewards. If you often drive a car, consider a credit card with gas rewards. However, if you’re not a frequent traveler and you don’t have a car, a cash back reward credit card can be the best option.
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Applying for a reward credit card can be an exciting experience. After all, the thought about earning rewards and bonuses is sure to give anyone a thrill. Are you planning to get a reward credit card this year? If yes, here is your guide on how to find the best rewards credit card and how to make the most out of it.
Find a credit card that fits your lifestyle. Evaluate your spending habits and lifestyle, and then look for a credit card that complements your needs. A reward credit card that’s great for one person may not be a practical choice for another.
Continue reading “Your Guide to Getting a Reward Credit Card in 2012”