« Comparing Credit Card Offers Demystified |
Main
| Best Chase Card Offers »
August 15, 2008
Best Reward Credit Cards by Category
To get the maximum benefit from a credit card rewards program you need to look beyond the perks offered by the card issuer. You need to pay attention to the fine print and discover what fees are attached to the card offer.
Here are the fees you should watch for when you apply for a card:
No fee balance transfers credit cards
0% intro APR’s apply to purchases and balance transfers
No annual fee
What transactions are most frequently appearing your credit card statements? Typically you will get the best rewards when your purchases are specific to a given store or purchase type.
Now that you know what fees to look out for when you apply the next step for you is to determine what rewards best fit your lifestyle.
Most Popular Reward Credit Cards by Category
No two people are exactly alike and thus the need for various rewards programs. The following is a list of the best reward credit cards by the most popular categories
0% Intro APR on Balance Transfers
The top card offers with an interest free introductory period are:
Discover® More(SM) Card
Earn more cash in more ways than anyone else(SM*)
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 12 months on Purchases and Balance Transfers
Chase Platinum Visa® Card
0% Intro APR for up to 12 months
The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
No Annual Fee
FREE Online Account Access
FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Blue from American Express®
0% APR on purchases for up to 15 months
No Annual Fee
Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Membership Rewards Express® program
Express Approval. Get a decision in less than 60 seconds.
Cash Back Rewards
Chase Freedom(SM) Credit Card
Receive $50 after you make your first purchase
3% Cash Back in your top 3 everyday spending categories
1% cash back for every $1 you spend on all other purchases
Receive an extra $50 each time you save and redeem $200 in rewards
Blue Cash® from American Express
Earn up to 5% cash back on everyday purchases - even gas!
No Annual Fee
0% Intro APR for up to 12 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
Express Approval. Get a decision in less than 60 seconds.
Discover® More(SM) Card
Earn more cash in more ways than anyone else(SM*)
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 12 months on Purchases and Balance Transfers
Frequent Flyer Rewards
Blue Sky from American Express®
No annual fee and 0% intro APR for up to 12 months
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.
Miles by Discover® Card
A Miles card with no annual fee!
No blackout dates
Double Miles on food and travel, up to $3,000 each year
1 Mile for every $1 you spend
Unlimited Miles while your account is active
0% Intro APR*
Chase TravelPlus Visa® Card
Earn 2 miles per $1 on travel purchases
Earn 1 mile per $1 on all other purchases
Annual rewards fee of $29
Redeem for airline tickets, cash, gift cards and more!
Intro 0% Fixed APR for up to 12 months
Gas Station Reward Cards
Discover® Open Road(SM) Card
% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
Save at the pump and everywhere else.*
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
BP Visa® Card
0% APR for up to 6 months
No Annual Fee
Double Rebates for two months
5% rebates on all participating BP location purchases
2% rebates on all eligible travel and dining purchases
1% rebates on all other eligible purchases
No limit on rebates
Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
Chase PerfectCard™ MasterCard®
6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days
3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days
1% rebates on ALL other purchases made anywhere else
0% Intro APR for up to 6 months*
No Annual Fee
Earn rewards wherever the road takes you with the Chase PerfectCard.
Rebates are automatically credited toward future purchases made on your card.
Business Credit Card Rewards
Discover® Business Card
Earn $100 Cashback Bonus when you apply now**
0% Intro APR for 12 months on purchases and 3.9% intro APR for 6 months on balance transfers
5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
Earn 5 to 20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
No Annual Fee
Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don't accept credit cards
Free employee cards with customizable limits and monthly reporting on their spending
Advanta Life-of-Balance Platinum Card
2.99% APR for Life of balances transferred within 3 months*
Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
No Annual Fee and No Limit on Earnings
Get employee cards with no fee and set spending limits per user
$0 Fraud Liability
Personalized card -- your company name on the card, plus your logo.
SimplyCash® Business Card from American Express
Earn 5% cash back on office supplies and wireless services
Earn 3% cash back on automobile gas purchases of up to $12,000 per year; 1% thereafter
Earn 1% cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
0% Intro Annual Percentage Rate (APR) for up to 12 months on purchases
No annual fee
Hopefully this helps you get a better feel for the best reward credit card offers on the market today. If you didn’t find the exact card offer to fit your needs in this article then you should check out a full list of the best credit card offers in our card application section of the website.
When you are reviewing various offers it's a good idea to have pen and paper handy to make notes about the key features of each reward offer.
Posted by Colin on August 15, 2008 08:16 PM | Permalink |
DIGG THIS STORY
Trackback Pings
TrackBack URL for this entry:
http://www.crediteria.com/cgi-bin/mt/mt-t.cgi/403
