CardsWithRewards : Reward Cards Overview
Credit cards are now one of the most popular modes of payment. By using the rewards programs offered by the many credit card companies you can actually make your credit work for you. It really does depend though on how you intend to use your credit card. When searching for the right credit card, bear that in mind and be sure to check out our guide below.
Airline Reward Credit Cards
Travel reward credit cards can give you great rewards like free flights, hotel bookings, auto rentals, and many other benefits. There are three main types of travel reward credit cards:-
1) Airline Credit Cards are not limited to one airline but can be used to obtain free tickets on 250+ major airlines. With some of these Airline credit cards you may also be able to redeem your miles against free hotel bookings, auto rentals and more. Click here for more information.
2) Frequent Flyer Credit Cards allow you to earn frequent flyer miles on your favorite airline or their partners. Click here for more information.
Travel Reward Credit Cards
Travel Reward Credit Cards let you earn free hotel stays and may offer other travel-related benefits, and they may also offer airline miles and frequent flyer miles options. Click here for more information on Travel Reward Credit Cards.
Hotel Reward Credit Cards
Hotel Reward Credit Cards let you earn free hotel stays at specific participating hotels. e.g. Starwood & Hilton Hotels. Earn points on successful application and ongoing purchases. Use points for free nights or upgrades and it may also be possible to transfer points to Air miles. Click here for more information on Hotel Reward Credit Cards.
Cash Back Credit Cards
Cash Back Credit Cards pay you a percentage rebate on the money you spend each time on the card so you can earn enough money during the course of a year to pay for a particular treat, a weekend away, a DVD player or whatever takes your fancy. By using a cash back credit card for most of your purchases and routine expenditures, you can accumulate a ton of cash over the course of a year just by using your card. Click here for more information on Cash Back Credit Cards.
Gas Rebate Credit Cards
With Gas prices at an all time high and unlikely to fall in the short term, anything that cuts the bill has got to be a good thing. Gas Rebate Credit Cards give you cash back when you purchase both gas and other items. These cards can help ease the sting of high gas prices every time you make a purchase. Some cards offer rebates as high as 10% on purchases - equivalent to getting a 10% discount. Click here for more information on Gas Rebate Credit Cards.
Alternative Reward Credit Cards
Alternative Reward Credit Cards offer Flexible Rewards Programs: Earn points Per Dollar Spent. Redeem for Your Choice of Cash Back, Merchandise, Travel or Gift Cards or even unique entertainment or sport experiences. Some even offer monthly Jackpot Draws! Click here for more information on Alternative Reward Credit Cards.
Student Credit Cards
A lot of Student Credit Cards offer great benefits very similar to those of non-student cards. But with so many offers available, it’s worthwhile to do a little homework to get the card that best suits your needs. Don’t just respond to the first offer you come across, but take some time to educate yourself on how to choose the student credit card that is best for you. Click here for more information on Student Credit Cards.
Regular Credit Cards
Regular Credit Cards are the traditional credit cards. They give you a specific credit limit based on your financial history and then charge you an annual percentage rate on your outstanding balance. APRs can vary greatly as can annual fees so shop around for the best card for you. Whilst these card rarely offer rewards they often include benefits like Travel Accident Insurance and low introductory rates. Click here for more information on Regular Credit Cards.
Charge Credit Cards
Charge Credit Cards are a specific kind of credit card. The balance on a charge card account is payable in full when the statement is received and cannot be rolled over from one billing to the next. Because you cannot carry a balance, a charge card doesn't have a periodic or annual percentage rate. Click here for more information on Charge Credit Cards.
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Secured Credit Cards
Secured Credit Cards are a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1000, he or she will be given credit in the range of $500–$1000. Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding one's credit. Click here for more information on Secured Credit Cards.
Pre-Paid Credit Cards
Pre-Paid Credit Cards are not really a credit card, since no credit is offered by the card issuer: the card-holder spends money which has been "stored" via a prior deposit by the card-holder or someone else, such as a parent or employer. However, it carries a credit-card brand (Visa, MasterCard, American Express or Discover) and can be used in similar ways just as though it were a regular credit card. Prepaid credit cards are sometimes used by teenagers for shopping online without having their parents complete the transaction. Click here for more information on Pre-Paid Credit Cards.
Poor or Bad Credit
People who have experienced problems getting a credit card due to a Poor or Bad Credit history or no previous credit history. (A poor credit rating can be caused by a number of reasons including CCJs, failure to pay household bills, mortgage or rent arrears, loan defaults and bankruptcy.) Don't dispair some companies are sympathetic to people with a bad credit rating. Most include Reports to the Major Credit Bureaus to help boost your credit rating. Click here for more information on Poor or Bad Credit Credit Cards.
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