In this era, where you can get Hello Kitty or a picture of the Kardashians’ painted across your reward credit card, it’s clear that credit card customization is all the rage.
Why not get a rewards credit card that is customized towards your spending habits. So when applying for rewards credit cards, don’t just apply to the first one you see in your mailbox, take some time and examine your expenses and think about which would be the best card for you and your shopping habits.
If you like shopping, there is a card for you. If you like to fly across the world, there is a card for you, if you like to eat out a lot, there is also a card for you. Customize your card to suit your lifestyle.
If you travel a lot….
Try the Capital One No-Hassle Miles Reward Card. This card has an introductory APR of zero percent for the first 12 months. After the initial year, the APR jumps to 13.9% to 14.9%. The reward is that for every dollar spent you get 1.25 air miles that can be used towards any airline. One catch is that the rewards begin kicking in at 15,000 miles or after you’ve spent $12,000. After you reach that limit, the card pays for any flight priced at $150 or less.
If you eat out a lot….
Try the Citi Professional Cash Card. This card also starts out with a 0% introductory APR, before it jumps to 10.99%. This credit card gives three percent back on purchases made at restaurants, office supply stores, car rentals, and gas stations. You also get back one percent on every other purchase, and you can get a check when you’ve acquired $50.
If you love shoes….
Chase and Zappos have teamed up to bring you the Chase Zappos Rewards Visa Card. After the 12 month introductory period, the APR ranges from 14.24% to 22.24%. For every dollar spent at zappos.com, you earn two points on the card, and one point per dollar you spend anywhere else. After 2,500 points, you can cash in for a $25 gift card.
If your eco-friendly….
The GE Money Earth Rewards Card could be a good alternative. The zero percent APR lasts for the first six months, before jumping somewhere in between 12.99% and 18.99%. With every purchase you have the option to give one percent to a variety of eco-projects that are dedicated to reducing greenhouse gas emissions. You even have the option to give .5 percent to a charity, and .5 percent back to yourself.
If you charge everything…
The American Express Blue Cash Card may be for you. The zero percent APR on this card lasts up to 15 months, before the 12.24% to 18.24% APR kicks in. This card is for consumers who charge at least $6,500 a year. The rewards on this card pick up after that, offering five percent back on gas station, drugstore and supermarket purchases, and 1.5 percent back on other all other purchases.
Because these cards have such high APR’s its in your best interest to not carry a balance. Be on the lookout for other rewards cards that suit your needs. If you shop at Victoria Secret’s a lot, get a card there, or PacSun, or wherever your wallet takes you. Using a reward card is a fun way to build credit!