Rewards Cards

Credit cards are often unfairly criticized as something harmful; something that allows people to overspend their income, or to buy things that they don’t need. Of course, the credit card itself is just a tool. It’s the behavior of the account holder that ultimately determines whether or not the credit card use will cause any negative financial impacts. A responsible account holder will actually be able to generate some very positive consequences from responsible credit card use if their credit card company offers a rewards program. Here is some credit card advice on maximizing what you can get from your credit...

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In order to distinguish themselves from one another, many credit card companies have taken to offering rewards programs to their customers. These programs can take different forms, ranging from programs that allow users to accumulate points that they can use to redeem for products, airline tickets or even cash. Perhaps you already have or use a credit card that includes a rewards program. If they’re used properly, credit card rewards programs can be a great way to get some extra value out of your credit card. Here is some credit card advice and information to help you maximize what you...

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Many of us receive offers in the mail every week to open up new credit card accounts. Sometimes these offers come with a bonus for signing up for a new account. Often this bonus is a preferable interest rate (potentially even a 0% rate) for any existing credit card balances that you transfer into the new account. For credit cards that have a rewards program, a common sign-up bonus is to award a fixed number of miles or points for opening a new account. The prospect of a low or 0% interest rate (or getting thousands of points or miles...

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As credit card companies face new laws and regulations that limit how they are able to charge fees to their customers, the companies are competing harder with one another for new customers. Because credit card issuers are reluctant to drop their interest rates too low, many are now competing on the basis of certain “extras,” perhaps the most popular of which are the bonuses that new customers receive upon opening a new account. Some of these sign-up bonuses are becoming increasingly valuable. While the exact bonuses available for each card change quite frequently, a quick Internet search will help you...

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Credit cards are one of the most significant financial conveniences (some might say necessities) of modern life. You can use your credit card to avoid carrying large amounts of cash or having to hassle with writing checks, and to buy items that may be too expensive for you to pay for entirely in cash. Many of us also receive another benefit from our credit cards, in the form of the credit card rewards program. These programs “reward” us for our business by giving us the opportunity to receive free products and services based on how much...

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For anyone who travels a lot, airline miles credit cards are a great way to collect air miles. And if you travel frequently at all, you know how quickly airline miles add up. The only problem you may have once you have accumulated enough miles, is how to use them. Here is some advice about them. Airline miles credit cards earn points or frequent flyer miles for every trip you take. It doesn’t matter if you’re going from one city to another within your state or around the world - as long as you use your airline credit card to...

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These days not many people are applying for credit cards. But if you are fortunate enough to be able to qualify, the type of credit card you choose is important. We don’t mean MasterCard or Visa, but the type of rewards program that the credit card company offers. When applying for a credit card, many people ask, “What can you do for me?” Creditors want your business so they will entice you to come to them, with offers and lower interest rates to appeal to your financial side. One perk that is attracting customers is the cash back rewards program. Here...

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It seems that every day we hear about the evils of credit cards. We hear horror stories about consumers who rack up mountains of debt, and can't put a dent in it because of high interest rates. We hear about people having to pay outrageous fees for making late payments. And we hear about card issuers changing terms and interest rates in ways that are unfavorable to cardholders. It's enough to make you wonder if there's anything good about credit cards. But credit cards do have some redeeming qualities that we should consider. They make it easy to dispute a charge...

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