www.top-creditcards.net — Choosing The Best Rewards Credit Cards Plastics have become a requirement currently, especially for young people who still like traveling and shopping. Along with the varied kinds of credit cards in the market, Many people are switching up with an original offer that would pull in consumers to join up with them. With the significant amounts of cards to choose from, choosing the best rewards credit cards is done via taking into account the rates, offers, And of course, the rewards offered to the consumer. Nevertheless, be aware that not each consumer can also enjoy the benefits of the best rewards credit cards. If you are a consumer that does not settle the month-to-month dues frequently, It is best that you simply strive for the lowest interest credit card instead of a card that has rewards. The total amount that you will pay for the interest will eventually offset the reward things you will get. Consumers who routinely pay off their month-to-month bills, however, can fully like these advantages. Locating the best rewards credit cards, although, involves discovering what consumers target Many then searching for the particular card that matches their life-style. Learn More About 0% interest credit cards, please visit : www.top-creditcards.net

This credit card is absolutely ideal for the book lovers out there. If you shop regularly at Borders or Walden books than get ready to start reading! As a card holder you earn great points for shopping at Borders, Walden Books, Borders Express, Borders Outlet and Borders and Walden Books online. With these earned points you can choose to receive a gift certificate to any one of the book stores listed above, gas or restaurant gift cards and many other great options. There is no limit to the points that can be earned so you can start earning right now!

Another added bonus for book lovers is that card holders will automatically be enrolled in the Borders Reward Program where you receive exclusive membership discounts and more! This Borders Rewards card also offers their card holders the standard benefits that no credit card can go without.

• Up to $500,000 in travel insurance

• Auto Rental Insurance

• A variety of travel emergency and services

If you are a card holder who generally carries a large outstanding balance on their credit card than you may find this particular credit card to be a bit more expensive than the others. The Borders Reward card program relies on the Two Cycle Average Daily Balance method to determine the finances that are to be charged to your account. This costs more for people to maintain a daily balance than it does when the Daily Average Balance is used. If maintaining a balance is your style of managing your credit card than this may not be the right card for you.

For card holders who would rather pay off their balances in full than you will find this credit card to be extremely satisfying. With no annual fees and the 0% interest rates on purchases for the first twelve billing cycles you are saving a bundle just by being approved! The application process is simple and easy to access online via their website. Once approved you can spend and earn at the same time!

Issued by Citibank, the Diamond Preferred Rewards Card is specially designed for consumers with an excellent credit score, and who plan to take advantage of Citibank’s ThankYou Network reward program.

Through the Citi Diamond Preferred Rewards Card, cardholders are entitled for five reward points for every dollar spent at selected supermarkets, drug stores and gas stations. However, this five-points-to-the-dollar offer is only valid for the first twelve months of membership. Once that’s over, the regular reward system only awards one point per dollar spent, just like all the other purchases made to the card.

These earned points can be redeemed for all sorts of products and services from merchants such as Toys “R” Us, Home Depot and Starbucks. Additionally, cardholders are provided with the option to reduce the APR on the card for purchases and cash advances, something of a rarity amongst competing credit cards. However, there is a cap of 75,000 points earned in a year with points expiring within five years.

Interest rates for the Citi Diamond Preferred Rewards Card are also comparatively low in addition to no annual charges. On top of that, the 0% introductory rate is a splendid twelve months that can be applied towards balance transfers. Unfortunately, the interest rates for cash advances are based on a minimum of 19.99%. This means that even if the Prime Rate drops, you still have to pay through your nose should you come into some sort of emergency requiring a cash advance.

Nevertheless, the Citi Diamond Preferred Rewards Card is a reasonably packaged credit card. Cardholders planning to take advantage of the five point bonus and the 0% intro APR within the first twelve months will reap the most benefits. Nevertheless, those who don’t will still get to enjoy the standard platinum cardholder benefits provided by Citibank.

The Chase Home Improvement Rewards Card is the ideal choice in credit cards for those that plan to do home improvement projects. When you use this credit card to buy the necessary aspects of repairing or updating your home you are rewarded. If you need more incentive to get home improvement projects taken care of, this is the ideal method for obtaining those rewards. Consider the details of this credit card that is offered to those with average or better credit through Chase.

The Chase Home Improvement Rewards Card offers you twelve months of an introductory rate of 0%, which is a decent amount of time to reap these benefits. You will then have an APR starting at 13.99% for purchases and 23.99% for cash advances. In addition, you will have no annual fee and there is no limit to the amount that your credit limit can be. Little or big home improvement projects will be just fine if you are approved for a high credit limit here.

Yet, probably the most benefiting thing about the Chase Home Improvement Reward Card is that of the rewards program itself. You will earn one point per dollar. You can earn an additional 3 points per dollars pent on your home improvement purchases at various home improvement type stores. When you reach 2500 points, you can redeem them for a $25 gift certificate or opt for a $25 check to spend as you like. There are no expiration dates on rewards although you can only earn 60,000 points or 30,000 home improvement points per year.

In addition to these features, the Chase Home Improvement Reward Card provides for what you need in additional perks including emergency cash replacement, travel and emergency assistance programs, up to $500,000 in travel accident insurance, auto rental insurance as well as tips and contests for home improvement projects. There is no reason not to get more out of your home improvement projects with a credit card like this. Take some time to determine if this is the right credit card for you.

If there are reward cards for the frequent flyer and the frequent shopper, should there be a rewards card especially for the frequent reader? For those of you who are fans of Waldenbooks and Borders, the Borders 3.2.1 Visa card is definitely a keeper.

Cardholders are awarded points for shopping at all Borders outlets and it’s not just books we are referring to. Upon enrolling in the Borders rewards program, shoppers can amass two points for every dollar spent on purchasing gas, grocery or even dining. Plus, it gets even easier to collect points with Borders and Waldenbooks as every dollar spent in these stores earn you three points. In addition, card holders are also entitled for special privileges and discounts whenever they shop at these outlets.

Commencing from the first initial purchase that a card holder makes, shoppers will obtain an instant 1000 points on their Borders Rewards Card. With this, the card owner is given the opportunity to redeem a Gift Card from Borders worth $25 for every 2500 points accumulated. Otherwise, they can opt for cash, restaurant gift cards or travel rewards instead.

In addition, the card also provides up to $500,000 of travel accident insurance, emergency assistance and auto rental insurance coverage. Customers are also provided the facility to manage their accounts online, diminishing the need pay offline. For a card that offers $100,000 as its maximum credit limit and $5000 for a minimum limit for $0 annual fees a year, customers are really truly pampered with the Borders Rewards Card. Nevertheless, this is not a card for those who are in the habit of snow-balling their credit card balances. For one thing, the APR for this Borders Rewards Card is based on a two-cycle average daily balance system, which averages out the balance between two months before calculating the interest charges. In short, users who tend to have outstanding balances may find them paying more for this card than they would for other credit cards.

I’m comparing two credit card reward programs. Card #1 offers 5% rewards on supermarket shopping for about 6 months, and 1.5% on all other purchases. For the other 6 months, the rates are 1% on supermarket and .5% on other purchases.

Card #2 offers 2% all year on supermarket purchases and 1% on everything else.

I realize it depends on what I charge on the card, but overall, which program is better?

I wanted a credit card, and to get 30 bucks off my purchase, (This is my first credit card, I’m 19) so I applied for an Amazon Rewards card. They told me they couldn’t tell me whether I was approved yet. If I filled it out this morning, how long will it take for me to be approved/be able go make my purchase on amazon with this credit card?

Thanks!

I am willing to get a card with a high APR that offers great rewards, because I charge appx $250 a week to my card, and pay my credit card in full every 2 weeks. I am interested in miles, gifts, or any other rewards that pay generously. Do you recommend a certain credit card/rewards program?

Thanks!

I understand majority of AMEX cards ask for high standards for qualification. So is having an AMEX card similar to owning a Mercedes or Lexus versus a Chase or Bank of America credit card?

I may already be paying some fees to the credit card company or interest for which I am not really getting any tax break. So if the credit card gives me some rewards, or cash back…its just like they are giving me discount on money I am already paying them. It shouldn’t be thought of as extra income on which I need to pay state and federal taxes.