Rewards Credit Card Offers
Competition is incredibly tough for credit card issuers, and often their biggest rivalries are their rewards programs. Credit cards that come with an attached incentive program allow cardholders to earn perks each time their card is used. Many people do not want to settle for a basic credit card anymore, and are looking to get something extra out of their spending!
- Limited Time Offer - $0 Balance Transfer Fee!
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
12 months
12 months
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Full 1% cash back on eligible purchases and cash advances.
12 months
12 months
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- Get the credit you need with no processing fees or application fees.
- $0 Fraud Liability if your card is lost or stolen.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
- Access your account 24/7.
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- 1.25 miles per dollar on every purchase, every day.
- Earn 10,000 bonus miles, equal to $100 in travel.
- Redeem miles for airline tickets, hotel rooms, car rentals and more.
- No limit on the miles you can earn and miles won't expire.
Until February 2013
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- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
- $0 Fraud Liability plus mobile and email fraud alert options.
15 months
15 months
- 2% cash back on gas and groceries.
- 1% cash back on all other purchases.
- BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central.
- No limit on the cash you can earn and cash won't expire.
Until November 2012
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How To Pick The Right Rewards Program To Fit Your Lifestyle
In addition to low or zero interest balance transfer offers, these credit cards offer low introductory rates on all new purchases. Credit card companies will often entice new cardholders to open accounts with a variety of incentive programs designed to make their card seem more appealing than another company's card. Because competition for new creditworthy customers is stiff, there are some really wonderful perks to be had with your credit card account these days, you just have to know what to look for. A wise move would be to conduct a careful review of the available rewards credit cards before applying for one. It's just as easy to lose money with credit card incentive programs as it is to benefit, so be sure to do your homework!
Are you in the market for a new credit card? As you sift through the multitude of credit card reward offers out there, there are a few things you should consider before submitting an application. First of all, how do you see yourself using the card? Will it function as an everyday credit card upon which you will put daily living expenses such as gas and groceries? Or do you plan to reserve your card for only emergencies and special situations such as travelling? How you intend to use your new card should play a major factor in determining which type of credit card you apply for.
If you are searching for something to use as your general, multi-purpose, every day credit card, pay special attention to rewards programs that offer points or a percentage of cash back based upon your purchases. Because you will be using the card on a frequent basis, you can accumulate points quickly which can be redeemed for travel, merchandise or cash.
Should your new card be more of a specialty card that is reserved for things like booking travel arrangements or vacation expenses, a travel rewards card may be good for you. That way your travel expenses will earn you money or discounts that can be put towards future trips.
There are credit card incentive programs available in almost every category you can think of. Whether you are interested in saving money when dining out, getting cash back at the gas pump, earning free hotel stays, flying for free, getting free airline upgrades, or if you would just like some cash back, there is a card that can offer you those rewards. Some perks are uniquely tailored to a particular retail establishment, for example, some stores offer 10% off all purchases made with a certain store's branded credit card. Occasionally retailer-issued credit cards will advertise special sales on specific days for cardholders only.
One thing to watch for when applying for a rewards credit card is whether or not they come with an annual fee or ultra high interest rates. If you must spend money in order to use the card, chances are that you won't be able to earn enough bonuses and points to make carrying the card beneficial. It never hurts to do the math - calculate the cash back or bonus perks you will earn over the course of a year, and compare that to the annual fee amount to determine if the card is worth the fee.
Likewise, if your credit card comes with a fabulous rewards program, but charges an astronomical interest rate, you must stop and ask yourself if the perks are worth the potential pitfall of an excessively high APR.
