How to find a credit card that rewards you more?

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Credit Card Applications » Research » Guides » Travel with Credit Cards » How to find a credit card that rewards you more?

How to find a credit card that rewards you more?


Updated: December 26, 2012

Credit cards are used by large numbers of people around the world irrespective of their financial or social standings.  Carrying a credit card has become a necessity for most and a status symbol for others. Some carry more than one card according to their need and the facilities offered by the cards. It is always better to have fewer cards or one card that give you rewards than having many that bring nothing in return. So get a credit card that will bring the most rewards from your purchases. To find the right one may be tough, but it is worth the effort you put in.  Here are some points on how you choose the credit card that is most appropriate and rewarding to you. There are different types of credit cards and the rewards they offer differ from one to other. The benefits they offer range from cash back, gifts, airline travel, and other such awards. There is no point in applying for a credit card that offers rewards for shopping for a particular furniture brand that you never liked. It is the same if the reward is for logging flying hours, and you are the type that never uses air transport as a medium to travel.  After deliberating on your needs and habits you should choose one credit card that brings maximum rewards on your purchases. Always check for the reward’s limitation for the credit card. It is not wise to apply for a credit card that puts a cap on the rewards you can earn. Selecting a credit card that does not have a limit on rewards is advisable. Another thing you should check out on a credit card is whether it carries an annual fee. Most cards that carry rewards for flying have such a clause. Calculate the probable amount you will earn by airline rewards and compare it with the annual fee. If you find you will be paying more than what you are likely to earn, decline the offer. Some cards have black out period, and you don’t earn rewards during that time. Sometime rewards that expire after a certain amount of time are offered by credit card companies. If you accept such a card, then be sure that you make your purchases before the rewards they carry expire. Most cards offer rewards on every purchase you make, and there are some that impose the rewards after a certain time period. In this way, you are forced to spend more money than you intend to. So this type of card is not for you. You must be wondering how you can benefit from these rewards. It is usually more or less around 1% of the amount you spend on purchase. Certain items carry slightly higher percent of reward. So it is of paramount importance that you check on all these aspects and decide on the one credit card that rewards you the most.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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