The right rewards cards can help you save big time on large or even small purchases. Most credit card companies offer reward cards today and here are some tips to help you pick the right one.
Not all reward cards are worth getting. Choose the right perks for your needs and your lifestyle.
Make sure that you are choosing rewards that are the card stipulations or requirements. Calculate benefits and bonuses independently.
Because so many card companies offer travel rewards new cards promise bigger and better rewards than others in order to win business.
Probably the most common type of upfront bonus, a free annual year with no membership charges is quite popular.
Most companies now offer two types of reward cards; “free” cards with low level rewards and annual fee cards with higher level rewards.
If you do get a free first year make sure you know when and how you will have to pay for your annual fee in the future.
Even if they do not advertise a free annual membership at first ask that you get the first year waived before you agree to terms.
Your credit needs to be solid to get fees waived in the future. Poor credit may not get a free first year.
Never sign on the dotted line until you read ALL of the fine print regarding your rewards.
Make sure that you don’t just earn rewards but that you actually redeem those earnings every now and again.
Make sure you know which purchases and which actions will help you earn more points and bonus points moving forward.
you don’t want to redeem your points at first be sure to accumulate points until you unlock better rewards in the future.
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