3 Tips for Finding the Right Rewards Credit Card this Year

Carrying a rewards card can help you to accumulate savings when you are doing your shopping. Swiping your card for purchases allows you to earn some rewards for every dollar you spent. The following are 3 simple tips on how to find the right rewards credit card this year.

1. Decide Between a Cash Back or Travel Rewards Card
You must decide whether you want a cash back or travel rewards card. If you are someone who use your credit card on everyday expenses, cash back card will be more suitable for you. Some cash back cards allow you to earn a flat rate cash back on all purchases. There are also cash back cards that offer rewards for shopping in rotating bonus categories. The bonus rotating categories changes every quarter and you can find the full list of categories on their site.

If you travel regularly, you should get a travel rewards card. Travel rewards card enables you to earn miles that can be exchanged for free flight tickets, for ree hotel nights and travel statement credits. Cards that are issued by a certain airline or brand of hotel will offer higher rewards when you shop with them and lesser points for everything else. Therefore, you should choose the Every day card wisely. For example, if you frequently travel with Delta airline, then it will be best to apply a Delta rewards card.

2. Check the Annual Fee
Secondly, you must check the annual fee of the rewards card. There are lots of cash back cards that don’t have annual fee, for example, Citi Double Cash, Chase Freedom, and Blu Cash Everyday by American Express. Travel rewards card usually have expensive annual fees but some of them have waived the fee for the first year. If you are considering to sign up a card with annual fee, you must calculate and see whether the value of the rewards exceed the annual fee.

3. Check the APR Interest Fee
Thirdly, you must check how much APR interest fee the rewards credit card will be charging. You can find out the APR interest by getting preapproved. You should get preapproved by several credit card companies so that you can compare the interest rate. To get preapproved, you must fill in the online application form and they will send you a reply in 1 – 2 days on the estimated APR interest. If you have good/excellent credit score, you should have no problem in getting the a low APR interest fee.

The key to finding a low interest card is to use the credit card comparison search engine as it offers a quick glance of the interest rate and other fees for various credit cards. In a comparison search engine, you can filter the search result based on your credit rating and the type of rewards card you are looking for.

Does American Express Offer Credit Cards for Consumers with Non Perfect Credit Scores

Amex does have some cards that accept applicants with non perfect credit score. One such card is the Amex Everyday credit card. To get approved for the Amex Everyday, credit card you need to have a credit score in between 630 – 676. Amex Everyday credit card is the card with the best rewards program that does not charge an annual fee. Amex Everyday credit card allows you to earn 2x points on per dollar spent when you shop at a US based supermarket for up to a spending limit of $6,000 per year.

You can earn 2x points on per dollar spent when you book a flight ticket from Amex Travel. Charging your card 20 times in each billing period entitles you to receive a 20% bonus. Spending $1,000 in the first 3 months on your Amex Everyday credit card allows you to receive 10,000 membership points. Amex Everyday credit card comes with a 12 months zero percentage introductory promo.

Amex Everyday Preferred Credit Card has a credit score requirement in between 674 – 709. With Amex Everyday Preferred card, you can earn 3x points at the supermarket and 2x points at a local gas station for up to $6,000 per year. All other purchases will reward you with 1x point on per dollar spent. If you make more than 30 purchases in a billing period, they will give you 50% extra points.

The Gold Delta Skymiles by American Express will accept applicants with a credit score of 624 – 675. Gold Delta Skymiles features 2x miles per dollar spent on Delta purchases. All other purchases will earn you 1x mile per dollar spent and the miles can be redeemed on 15 airlines. The first $1,000 you spent on the card will earn you a 30,000 bonus miles. You can get a statement credit worth $50 if you have made at least one purchase on the card in the first 3 months. The card comes with perks such as priority boarding, first checked bag and no foreign transaction fee.

The Platinum Card would approve applicants with average credit score of 643 – 716. The Platinum Card allows you to earn 5x points on per dollar spent on airfare that is booked from the airline site or Amex Travel. Other purchases spent on the card also entitle you to earn 1x point. If you spend $5,000 within the first 3 months, you can earn a sign up bonus of 60,000 points. Every year, you get $200 credit that can be used for your airline expenses. The card offers access to over 1,000 airport lounges. You also get $200 Uber credits each year that can be used in your Uber ride. Every month, you can use $15 of the Uber credit. In December, you will get $35 Uber credit.

5 Rewards Cards That offer The Best Bonus Opportunities For Black Friday Shopping

On this coming Black Friday, you can make use of your rewards card to spend money and earn sign up bonus rewards at the same time. Most rewards cards with signup bonus also let you earn rewards points. The following are the top 5 rewards credit cards that offer the highest signup bonus for Black Friday.

1. Chase Sapphire Reserve

Chase Sapphire Reserve offers 50K bonus points when you spend a minimum of $4,000 within a period of 3 months. The 50K bonus points can be exchanged with a $750 voucher that can be used in your travel expenses. It offers 3x points on travel and dining worldwide. On top of that, you also earn 1x point on all other purchases. Points used to redeem travel related expenses will get 50% more value. Every anniversary year, you are entitled to receive $300 in statement credits.

2. Chase Sapphire Preferred Card
Chase Sapphire Preferred Card also rewards customers with 50,000 signup bonus points for minimum spending of $4,000 in 3 months after account opening. The 50,000 points is worth $625 if you exchange for travel voucher. With the card, you can earn 2x points on travel and dining. You can also earn 5,000 bonus points by adding the first authorized user. The card offers 25% more redemption value when you use your points to redeem travel expenses.

3. Chase Freedom Credit Card
Chase Freedom credit card offers $150 worth of bonus when you spend a minimum of $500 within a period of 3 months. You will earn 5% cash back per dollar spent for up to $1,500 if you spend within the rotating bonus categories. Purchases that do not fall in the rotating bonus categories will earn 1% cash back. There is no minimum rewards points you need to accumulate to redeem. It has a 0% APR in the first 15 months that applies to both purchases and balance transfer. The card has $0 annual fee.

4. Blue Cash Preferred
Blue Cash Preferred allows those who spend $1,000 within the first 3 months to receive a $200 statement credit. The card provides a zero percent APR intro period in the first year. It offers 6% cash back for spending at the local supermarket for up to a maximum of $6,000 per year. If you pump petrol at a US gas station, you can earn 3% cash back with your card. All other purchases will earn you 1% cash back.

5. Discover it Cashback Match
Discover it Cashback Match will match the cash back that you earn at the end of the year for example you can turn $150 into $300. It offers a rewards program that allows you to earn 5% cash on categories that change every quarter. Various rotating bonus categories are covered including Amazon, wholesale clubs and gas stations. Besides, you can earn 1% cash back on categories that don’t belong to the bonus rotating categories. Friend referral can also earn you $50 cash back.

Why Are Promotional Credit Cards With Sign Up Bonus Offers Great If You Are Planning Some Large Purchases

With zero percent card that has signup bonus, you earn a lot of rewards points at one time or a cash back bonus when you meet the minimum spending limit. Usually, there is a time limit for you to earn the signup bonus, for example, it may require you to spend at least $500 to earn a $150 cash bonus within a period of 3 months. Since you are going to make a large purchase, this type of rewards program will come in handy for you earn some cash back while spending money on something that you already plan on buying.

Besides the signup bonus, you also earn some rewards points when you spend money on the card. The rewards points may be earned when you spend money on selected purchase categories like rotating categories. Many cards do not have rotating categories to keep track and they let you earn a flat rate rewards point on all purchases.

The benefit of the zero percent credit card is that it waives the APR interest fees for several months. Normally, in a regular credit card, all the charges you swipe on the card will get APR interest fees if you let the balance roll over. In a zero percent credit card, no APR fees will be added onto the balance each month when you let the balance roll over to the next month.

You can take your time to pay off as long as you finish paying it off by the end of the zero percent intro period. The APR interest charge will be applied if you did not fully pay off the balance after the end of the intro period. You can sign up for a credit card with zero percent intro APR for 6 – 21 months. Rewards credit card with good signup bonus and long zero percent intro period will take a good credit score to sign up.

The zero percent intro incentive can help you to save a lot of money on the interest fees which you would have to pay if you make the purchase on a regular credit card that does not have any zero percent intro offer. This allows you to pay off a large purchase on your credit card fast instead of having to delay to many years to pay it off if you were to use a regular credit card.

When you are signing up for a rewards credit card, you must take into consideration of other costs such as the annual fee. It is best to find a card that does not charge an annual fee. If the card does have an annual fee, make sure the cost is covered by the rewards that you can redeem through the rewards program.

Which Credit Card Is Best To Use If You Travel To South America

You can get a free air ticket to South America with the points that you earn on your travel credit card. There are many travel credit cards that allow customers to transfer their points for tickets with their airline transfer partners. The following are the top 4 travel credit cards for use in your trip to South America.

1. Barclaycard Arrival Plus World Elite MasterCard

Barclaycard Arrival Plus World Elite MasterCard is a great option for use in your trip to South America because it offers 50,000 miles as signup bonus after you spend $3,000 in 90 days. The 50,000 miles is enough for you to get a travel statement worth $500. Besides, the card lets you earn 2x miles per dollar. Each mile is worth 1 cent when you use it to redeem for a travel statement credit. The annual fee is zero in the first year but you will be charged $89 in the following year.

2. Citi/Aadvantage Platinum Select World Elite Mastercard

Citi/Aadvantage Platinum Select World Elite Mastercard is another great credit card for your South America travel because it allows you to earn 30,000 Aadvantage bonus miles when you spend at least $1,000. The card comes with many perks including priority boarding, and free baggage check. Ever dollar you spend will earn you 1x mile. If you use the card to shop at American Airlines, you will earn 2x miles. You will receive up to 25% discount when you order food and drinks on the plane. The annual fee is zero in the first year. From the second year onwards, the annual fee is $95.

3. Chase Sapphire Preferred
Chase Sapphire Preferred will award cardholders 50,000 points for spending $4,000 in 3months. The points that you earn can be used in the Ultimate Rewards program. With the 50,000 points, you can redeem a ticket from airlines like LATAM Airlines, Virgin Atlantic and Flying Blue. Chase Sapphire card also let you earn 2x points on traveling and dining. The annual fee of $95 is waived during the first year.

4. Starwood Preferred Guest Amex Card
Starwood Preferred Guest Amex allows you to earn an additional 5,000 points when you transfer 20,000 points to an airline. To earn the 25,000 points, you must spend $3000 in 3 months. The card has a reward program that allows you to earn 5x points when you spend money at a Starwood property. You can transfer the points that you earn to more than 30 airline transfer partners. The $95 annual fee is waived during the first year. Starwood Preferred Guest Amex does not charge any foreign transaction fee when you shop internationally.

Top Balance Transfer Credit Card Promotions for 2017

Balance transfer credit cards allow you transfer all your credit card debts and consolidate them into a single payment. If you manage to repay the credit card debts you transfer within the intro period, you will be able to cut down your debt because you don’t have to pay the interest rates. The following are the top 5 balance transfer credit cards in 2017.

1. Chase Slate Credit Card

Chase Slate credit card offers a zero percent intro period that lasts for 18 months. To be eligible for the 18 months zero percent intro period offer, you have to perform the balance transfer within 60 days. The balance transfer fee still applies when you transfer the balance and it is about 5% or $5 minimum. The normal APR rate that ranges from 13.24% – 23.24% will apply at the end of the intro period. Chase Slate features a zero dollar annual fee.

2. Citi Simplicity Card

Citi Simplicity Card offers a 21 months zero percent APR intro period where you won’t get charge a single APR fee no matter if it is balance transfer or purchases for 21 months. It will charge a normal balance transfer fee of 13.49% – 23.49% after the 21 months zero percent APR offer comes to an end. The balance transfer fee that you will be charged each time you initiate a balance transfer is 3% or $5 minimum. All kinds of loans can be transferred to City Simplicity card for example vehicle and college loans. It requires that the debt account numbers where you transfer the balances from do not contain any alphabetical letters and has 5 figures.

3. Discover it

Discover it is offering 18 months zero percent APR intro period for balance transfers. The zero percent intro free period for purchases only lasts for 6 months. When the 18 intro period expires, the regular APR of 11.24% – 23.24% will automatically be applied onto your balance. It charges a 3% balance transfer fee on the amount that is transferred to the card. Credit cards debts as well as non credit card debts like loans can be transferred to the Discover it card.

4. Citi Double Cash Card

Citi Double Cash card is providing a zero percent intro period offer for balance transfer for 18 months. It also offers zero percent intro period for purchases but it lasts for only 6 months. The regular variable APR for Citi Double Cash card is 11.24% – 23.24%. It can be used to transfer credit card debts and the majority of the non credit card debts. You must transfer the balance to the card within a period of 4 months in order to be eligible for the intro period offer. Balance transfers are not entitled for any cash back rewards.

How Can You Reduce Your Interest Expenses During The Holidays With A Balance Transfer Card Offer

The credit card interest fees is the main reason why many people struggle to pay off their credit card debt and have to keep on carrying the burden from month to month. Lots of credit cards have interest fees that are in the range of 13% – 24% and interest charges add up the amount that you have to pay back. Many credit card companies now offer balance transfer cards for the purpose of making credit card repayment easier. Most balance transfer cards offer an introductory period, a period when no interest fee is charged on the card balance.

You must first transfer the balances of all your existing credit cards to the zero interest balance transfer card. Once your balance is transferred to the balance transfer card, you will see that the total amount that you need to pay to clear up the debt is reduced because the interest fees has been waived. Therefore, you are only making payment for the principal amount that you originally borrow from the credit card.

Comparing balance transfer card offers is easy. You simply perform a search for balance transfer cards at an online credit card comparison site and it will show you all the existing balance transfer card offers in the market. You can also visit blog reviews on the best balance transfer credit cards. These sites give you a quick overview of the most important information on the balance transfer cards including length of the 0% APR period, cash back on bonus categories, annual fee, and minimum credit score.

If your credit score is excellent or good, you will be able to qualify a balance transfer card with long 0% APR period. There are cards that offer a 0% APR period that is as long as 21 months. Many of these cards also do not have penalty and annual fees. Using a balance transfer card to clear up your debt is a great option if you believe you will be able to set aside a sufficient amount every month and finally clear up the entire debt within the 0% APR period.

You will still save money even if the card charges a balance transfer fee. The balance transfer fee is usually 3% or $5 minimum which is just a small amount compared to the amount that you save through the waiving of interest fees. Many balance transfer cards also do not have annual fee and penalty fee.

It is important that you have a steady job, the source where you will get the funds for paying the balance transfer card. You should just use the balance transfer card for paying your credit card debt and not use it for making purchases. Buying things with the card will add up to the debt that you owe which makes it hard for you to repay the debt.

Our mission is to help consumers find the top credit card promotions for 2017. We will be reviewing zero percent card offers, travel rewards credit cards and cash back credit cards with special deals for 2017. Have a hot tip for a new credit card, drop us an email or tweet at us and we’ll share it online.

Guide To Finding The Best Credit Cards For 2017

How to Find the Best Credit Cards in 2017?

The process of selecting a credit card is a highly “personalized” one—disrupted at multiple points in the journey, and constantly guided—from the setting of expense goals to narrowing down a card that exactly meets individual needs and expectations.

A card shopper’s final choice will probably depend on a combination of factors like existing credit history, near-term expense goals, long-term expense plans, borrowing patterns, and so on. In most cases, individual card shoppers typically begin with eight to ten card choices, and then ultimately track down only one or at the most two cards that meet all the needs.

This card short-listing process can be laborious and painful after going through so many comparison charts, trial applications to check eligibility, and even some rejections by card issuers for not maintaining a minimum credit score!

Most of the third-party reviewers of credit card offers seem to unanimously agree that actual customer experience is an important product feature in the life of a credit card. Market research states that frequently card holders select cards based on listed features and benefits, only to be disappointed and frustrated later. If you saw the Star Wars movie or Jurassic World you may know all about that! They did not turn out that good!

A large majority of card users in the US constantly shift from one card to another looking for the perfect credit solution.

So if you are out shopping for the most user-friendly credit card of 2017, here are some tips and advice that you may find helpful:

Get familiar with the credit industry terminology

Regardless of whether you are new to the world of credit cards or an experienced credit-card holder, it helps to keep up with the ever-evolving terminology of the credit industry. For example, Creditcards.com site provides an extensive set of glossaries of credit related terminology for different types of users such as first-time credit-card holders, students, people looking to buy a home, and so on.

Top Rated Balance Transfer Credit Card Promotions, Zero Percent Credit Card Deals and Travel Reward Credit Cards in 2017

If you happen to be one of listed categories on this page, you will certainly find a wealth of information on these glossaries. Click on the Credit Quality tab to see available card offers for existing credit card-holders with varying degrees of credit history from no credit history to excellent credit history.

Review reliable news sources on credit cards

Some news sites like US News – Best Credit Cards carry extensive reviews of current and upcoming credit cards ranked by factors that affect the majority of borrowers. This type of informative review site can be a fantastic starting point for understanding what a stellar credit card company offers. From there on, a card shopper may typically review one or two credit card sites, which allow a visitor to conduct online comparisons of two or three cards at a time for short-listing available offers.

Credit Cards For Students, Business Owners and Retired Travelers

For example, Nerdwallet.com provides a useful credit card comparison tool for a quick glance over on specific features like APR, cash back, balance transfer, rewards points, travel miles if any, and other benefits. For new card holders, this kind of feature-benefits comparison may mean the difference between selecting or rejecting a card.

Map card offers with your priorities

The US News site liked above has categorized the card offers in 11 popular groups, which are already mapped to specific needs of individuals. For example, the business owners can check on business cards targeted to business owners. The gas category has grouped cards for people who are always on the road and like to save money on gas. Pretty logical right? OK.

Then again, the hotel and airline categories have grouped credit cards meant for frequent travelers looking for special hotel deals and frequent flyer mileage. Both new card shoppers and existing card holders can benefit from this site by reviewing the already grouped cards.

Once the shoppers have shortlisted two or three cards matching their needs here, then they can visit other sites like Nerdwallet.com to conduct online comparisons. The US News listing of credit cards is not only comprehensive, but it is also updated on a regular basis.

Catch the credit card buzz on social sites

This is probably the most paramount step in the card selection process. Even though you have heard the impartial voice of third-party reviewers of credit card offers, but what about the real customers, the card users? Visit social sites related to credit cards and catch the buzz. You may learn much more about the customer sentiments and experience from these sites than anywhere else on the Internet.

Return to bookmarked cards for a final comparison

Cardoffers.com offers a bookmarked credit card comparison tool for the final comparison of two or three short-listed credit card offers. You can bookmark up to three credit cards and return to this site for a final comparison later. If your online research has revealed new information, you can always alter your choices here. This site is especially useful as it provides detailed explanation of features and benefits offered by Visa, MasterCard, Discover, and American Express.

credit-cards-ratings-for-2017

You can end your search with 10 Best Credit Cards, this site details the feature sets of 10 credit cards reviewed in November of 2016. The offered features on these cards may help you get a solid idea of what to look for in 2017. Similarly, in The Best Credit Cards from their Partners, Bankrate.com provides highly objective reviews of credit cards including some actual online application forms.

Let’s hope with the tips and advice provided above, you are able to:

  • Review a diverse set of card offers
  • Then have the ability to short-list specific offers based on results of your online research
  • Then you can try at least one or two online applications on a trial basis
  • Then you can focus on running a comparison to compare your favorite card features
  • Finally able to catch the customer buzz, which can significantly shape your final decision
Some Of The Credit Cards We Will Be Reviewing in 2017

American Express Cards

Amex EveryDay® Credit Card
American Express® Green Card
Blue Cash Everyday® Card
Blue Cash Preferred® Card
Gold Delta SkyMiles® Credit Card
Hilton HHonorsTM Card from American Express
Platinum Card® from American Express
Platinum Delta SkyMiles® Credit Card
Premier Rewards Gold Card

Bank of America

BankAmericard Cash Rewards™
BankAmericard Travel Rewards®
BankAmericard® Better Balance Rewards™
BankAmericard Cash Rewards™ Students
MLB® credit card
Royal Caribbean®
Susan G. Komen®

Barclay Credit Cards

Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard CashForward™ Mastercard
Barclaycard Rewards MasterCard®
Barclaycard Ring MasterCard®
Barclaycard Visa® with Apple Rewards Card
Hawaiian Airlines® Business MasterCard®

Capital One

Journey® Student Rewards
Platinum
Quicksilver® Rewards
QuicksilverOne® Rewards
Spark® cash back rewards
Spark® miles rewards
Venture® Rewards
VentureOne® Rewards

Chase

Amazon.com Rewards
Chase Freedom
Chase Ink Cash
Chase Ink Plus
Chase Sapphire Preferred
Chase Slate
Disney Premier Visa
Marriott Rewards
The Ritz-Carlton Rewards
Southwest Airlines
United MileagePlus

Citigroup

Citi® / AAdvantage® Platinum Select® MasterCard®
Citi® / AAdvantage® Gold MasterCard®
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Citi® Diamond Preferred® Card
Citi® Double Cash Card
Citi® Hilton HHonorsTM Visa Signature®
Citi Prestige® Card
Citi Simplicity® Card
Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card for College Students

Discover

Discover it® card
Discover it® chrome for Students card
Discover it® Gas and Restaurant card
Discover it® Miles card
Discover it® NHL® card
Discover it® for Students card

PenFed

PenFed Premium Travel Rewards American Express® Card
PenFed Platinum Rewards VISA Signature® Card
PenFed Promise Visa® Card
PenFed Gold Visa® Card

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