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.

It seems like almost every store these days has those free rewards cards. Like DSW, American Eagle, CVS, Borders….they don’t really seem to help that much. But I was wondering if the cashier makes commission from people signing up or helps them out in any way? Because if so then I wouldn’t mind signing up and helping them out. But if it doesn’t do anything to them I think I’ll just stop signing up.

If you use your credit card for most purchases to earn rewards and pay it off in full monthly do you still incur interest charges or is it same as cash? I have a card that earns frequent flyer miles for using the card but if I’ll be charged interest every month for using the card even if I pay it off in full monthly I’ll forego a free round trip ticket and purchase airline tickets when needed.

I tend to use one credit card to charge all my expenses each month and then pay it off at the end of the month. There are sooooo many credit cards out there and I was wondering which one gives the best rewards back. What card do you use, and what type of benefit do you get for using it? I don’t care if it is for airline miles, cash back (a percentage) or some sort of point program. I was just wondering who is using what card and why?? Thanks!

Choosing a student credit card is often a burdensome process. After all, many times the offers and terms just aren’t all that good for those just beginning their credit history. But the Chase Student Flexible Rewards Card takes much of the guess work out of the process.

What Are the Perks for This Credit Card?

First and foremost, having a student credit card is quite helpful for college students, eliminating the need run to the cash machine all the time to withdraw funds for going out, shopping, grabbing a pizza, or whatever the need is. Backed by the MasterCard brand, this Chase student card is good practically anywhere in the world.

Besides offering the simple ability to make purchases even more convenient whether shopping online or off, the Chase Student Flexible Rewards Card offers a competitive rewards program. By using this card for all purchases, even when paying the balance in full at the end of every month, points towards merchandise and gift cards rack up quickly.

Also worth considering is the fact this student credit card charges no annual fee. This might not seem like a big deal, but many other student credit cards do charge a yearly fee just for the privilege of using it. Anytime the fee can be avoided, all the better, right?

Is the Interest Rate Reasonable on this Card?

For being a student credit card, the Chase Student Flexible Rewards Card has a very reasonable and fair interest rate. Many of the credit cards in this category charge an extremely punitive interest rate, essentially taking advantage of college students. This one doesn’t. Of course, by paying off any balance in full at the end of the month, interest charges will be avoided all together.

Already paying high interest on another credit card? If so, this Chase card boasts a six month interest free period for transferring your balance and skipping on the extra costs. This six month period is not necessarily the best in the business, but it is indeed acceptable for a student card when compared to the nine to twelve months interest free on balance transfers deal most frequently offered these days to even the most qualified customers with perfect credit.

How Does the Chase Student Flexible Rewards Card Stand Up to the Competition?

Overall, the Chase Student Flexible Rewards Card runs right along with the pack when it comes to the choices of student credit cards available today. The rewards exceed many of the others and the annual fee is nonexistent, so that ranks well too. The interest rate is fair for the territory. A grace period of twenty days could be a bit longer, but use the card responsibly and keep up with paying the bills on time and that shouldn’t cause any problems.

So, What’s the Overall Recommendation for This Credit Card?

The Chase Student Flexible Rewards Card is definitely worthy of recommendation. For the average college student, it’s a very viable choice.

Im considering the No Hassle Miles Ultra Credit Card for Professionals of Capital one which offers 2 miles per dollar spent with an annual fee of $39 and 9.9 APR and no expiration of miles or blackout days. The other option is 1.25 miles earned for each dollar spent with no annual fee. Does this sound like a reasonable or good offer or are there any better choices out there? Has anyone used their rewards program before? Any good or bad experiences when trying to get the rewards?

I don’t get how to use them.

I have a subway rewards card that had 400 points on it, which is worth 4 or 5 free subs. I go to subway a lot and these points rack up. I cant use them because my normal sub doesnt qualify.

I pay almost all of my bills on my credit card every month and probably put between 1-2 thousand dollars on it a month, then pay it off in full at the end of the month when I get paid.

I’m wondering if some type of rewards card would be good for my situation. I’ve got great credit and have never missed a payment on anything. Wondering if anybody out there knows if this is just a marketing scheme or if there are any good ones out there?