How to access Credit Card Rewards and Loyalty Programs


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Research » Guides » Travel with Credit Cards » How to access Credit Card Rewards and Loyalty Programs

How to access Credit Card Rewards and Loyalty Programs

Updated: December 26, 2012

The content is accurate at the time of publication and is subject to change.
Credit card companies offer their clients and cardholders rewards and loyalty programs in order for the latter to continue using their brand of credit cards for their payments and purchases. These rewards and loyalty programs would benefit both the card issuers and cardholders, as both parties would gain from each other. You would know the basics of these programs if you continue reading this article, and you would also know hot to make use of them to your advantage. Aside from the regular credit cards you could get from your issuers, there are also the loyalty or rewards cards. These cards, appearing almost exactly the same as the regular ones, function to provide benefits and advantages to cardholders by having them buy and spend using their brand of cards. These cards are named differently in many place: in the United Kingdom, they are called loyalty cards; while in Canada, they are called points or reward cards; and in the United States, they are known as discount or club cards. Regardless of what they are called, they function the same way of giving benefits to their cardholders. You could get these loyalty or rewards cards by applying at your credit card issuer. But before that, you need to check which of their programs would most benefit your needs and interests as a consumer. Once you have chosen a program to be part of, you need to give your personal identification and some demographic information to start the application process. You would also be given the contract and agreement during the application, so make sure that you read the contract carefully so you would not miss anything important. Also, you need to be informed that your demographic information would be accessed through your card when you make purchases and transactions. You also need to be warned about the interest rates that these loyalty or rewards cards carry, they are often hire than that of regular credit cards. So you are advised to thoroughly and carefully compare the interest rates and the rewards you would get from using the card. And, as mentioned earlier, you really need to check the many rewards and loyalty programs that your issuer offers so you could find one that would most benefit you. There are so many kinds of reward and loyalty programs that there are just as many benefits and advantages that their cards offer. As long as you, the cardholder, continue to make payments and purchases using that particular brand of card you would have access to the benefits. These kinds of benefits includes winning cashback rebates whenever you buy something in stores, or even win free prizes by accumulating points through continued credit card use. You could also win other things like free hotel services and free airplane travel. You also need to be warned that you need to be disciplined and smart in handling these kinds of rewards and loyalty programs, because if you are no careful you would get into financial trouble. So be sure to spend smartly and responsibly.

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.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Other Travel with Credit Cards Research:

Related Research:

Top 5 Cards for Travel from Our Partners: Summer 2018 – Expert’s Choice

Top 5 Cards for Travel from Our Partners: Summer 2018 – Expert’s Choice

Posted: February 12, 2018

The sun shines more and more each day, flowers are in bloom and you already feel how hot it is getting - summer is here. Summer holidays are almost here, and you are in need of dire preparation. You can lift in spirits and let CreditLand ... Continue reading
Cash Back or Travel Rewards? Here’s How to Decide On The Right Card

Cash Back or Travel Rewards? Here’s How to Decide On The Right Card

Posted: February 10, 2018

If you're trying to find the perfect rewards credit card, you might feel like you're drowning in options. There are just so many out there, and many of them look similar. This can make it tough to decide on a card. One thing people often ... Continue reading
Price Protection: Credit Cards That Will Refund a Price Drop

Price Protection: Credit Cards That Will Refund a Price Drop

Posted: February 8, 2018

Those who often find themselves buying stuff and then discovering that they could pay less for the same item they've just bought, will appreciate this credit card benefit – price protection. This is the least known and the most neglected ... Continue reading
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!