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Wired Plastic
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The Best Reward Credit Card for Your Lifestyle As you prepare to complete a reward credit card application, do a little advance planning to get the most bang for your buck. If you don’t like to micro-manage your bills, you may be happiest with a reward program that focuses the majority of its points on just a couple of categories. Such cards can give you extra bonuses on top of your base points for gas or business purchases. Alternatively, you can concentrate on building travel rewards if you spend a lot of time out of town. Using a card that rewards you for purchases you make every month anyway is a no brainer. Remember to check your point balance every three to six months to see if you have enough to trade in for the reward of your choice. This habit will ensure that your points don’t expire before you use them. That’s it! These cards are easy to use and simple to track. If you are the type of person who likes to clip coupons and pinch pennies, you will love all the opportunities available to build rewards on your card of choice. Since some of the best reward credit cards have affiliations with dozens of stores (online and off), you can tweak your retail buying just a little to see a huge payback. Be sure to sign up for email alerts on your reward account so you will know when there is a special promotion on a specific type of purchase. Some programs let you redeem your points as cash, but you can usually trade up for a gift card at one of your favorite stores instead. These retailers are happy to increase the value of your reward to ensure that you continue to shop with them - so everyone wins. If you are serious about building your rewards as fast as possible, remember to make any reimbursable workplace purchases with your rewards card. Pay off your credit card bill during the grace period to avoid interest, put your expenses check in the bank when it comes in, and enjoy free points. You can even pay your taxes with a credit card these days to make that painful process as “rewarding” as possible. If you are patient, you can save your points up to trade in for big ticket items such as electronics. On the more extreme end of the reward structure, you can find credit cards that allow you to save up your points and apply them toward the purchase of a new car! Remember that making a late payment can jeopardize your accumulated points as well as your credit score. If you aren’t able to pay your card off every month you need to at least pay the minimum. Find a reward card with the lowest interest rate possible if you know you are likely to carry a monthly balance. |
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UK Offers:
Credit card application at Egg.com
Check Citibank for the interest rates on savings accounts *See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on issuers website. |