4 Credit Cards with the Most Interesting Credit Card Rewards
Credit card rewards are various, such as cashback, points, and miles. Let say you get a cashback reward on your spending. The cashback percentage varies from 2 percent to 5 percent or even more. Some credit cards offer Ultimate points and Membership points as a reward. Credit cards that are designed for travelers often offer miles rewards for their users. Check the example of the rewards by the credit cards below.
Citi Double Cash Card
Citi Double Cash Card is not only popular because of the 18 months of introductory APR but also its rewards. Users are about to get two percent cash back. The first 1 percent is for all types of purchases. Users get another 1 percent after paying the credit card bill. It means that you get benefits whether you buy by using this credit card or pay the credit card.
Citi doesn’t give the rewards an expired time. You will get the rewards as long as the credit card is open and active. Citi’s cashback terms and conditions are also simpler than other credit card rewards. The idea is that users earn cash back twice on every purchase when they use the credit card.
Don’t get confused if you don’t get cashback in balance transfers because it is excluded. People love to use Citi Double Cash Cards also because of the zero interest rate for up to 18 months. Then, the APR went back to 13.99 percent to 23.99 percent after 18 months.
You don’t even need to spend extra money to pay the annual fee. It seems that you will not get any welcome bonus. As a result, you can’t collect rewards during the first months after using the card. You still have to pay a three percent fee if you use this card outside the U.S.
Despite the simple cash-back program, you still have to pass the minimum cashback redemption. The provider charges a $5 or 3 percent balance transfer fee of the amount of each transfer. This credit card can be a good option if you often use it for shopping or paying for a variety of needs. The more you use the card, the more rewards you earn.
Blue Cash Preferred Card
Blue Cash Preferred Card from American Express has a variety of credit card rewards. The percentage of the rewards is also higher than the Citi Double Cash Card. Let’s say you earn 1 percent cash back for a variety of purchases.
Users who love to buy gasoline at U.S. gas stations can earn three percent cash back. You have a chance to earn three percent cashback more when you are parking or using tolls. It is also included when you are using public transportations, such as taxis, trains, buses, and others.
The cashback program has not stopped there yet. The cashback for streaming subscriptions is even higher. Imagine that you earn up to 6 percent when you use the card for streaming subscriptions in the U.S. Plus, you earn 6 percent more cashback when you spend up to $6.000 per year in the supermarkets around the U.S.
That’s why Blue Cash Preferred Card is considered the best credit card for everyday family purchases. It seems easy and simple for users to get rewards from this credit card. Do you love to buy online on Amazon? If it is so, this credit card is a good option. Blue Cash Preferred Card offers 20 percent cash back within the first 6 months on your transactions at Amazon.
Try to calculate the amount of money you spend within 6 months because you will earn $150 if you spend $3.000 within the first 6 months. Despite the rewards, you still have to consider other details of the card, including the introductory APR, regular APR, and annual fee.
Let say the provider allows you to enjoy a zero interest rate for 12 months. Then, the APR will be back to the regular percentage which is between 13.99 percent to 23.99 percent. It is the same case with the annual fee in which you don’t need to pay it in the first year.
Chase Sapphire Preferred Card
Unlike Citi and Blue Cash, Chase Sapphire Preferred Card gives credit card rewards in the form of points. You can redeem the points with several great deals. This credit card is suitable for people who love to eat at restaurants.
In this case, you will get 2x points because of dining out. The interesting part is that you still get the point when you are using delivery services and takeout services. This card is also a good option for travelers. The provider gives 2x points for travelers who love to use public transportations, such as taxis and trains.
You will also get this point when you reserve airfares and hotels. Chase Sapphire Preferred Card often gives special promotions by increasing the points up to 5x. The provider even has the best promotion by offering 100.000 bonus points after you spend $4.000 in the first three months.
Make sure that you receive the latest information because the special promotions are limited in time. 1 point is the smallest offer but the easiest one. You will get this point on any $1 you spend on all purchases.
So, what can you do with the points? You can redeem the points with the Chase Ultimate Rewards. Let’s say you get $1.250 for booking a room in hotels or airfares. It is okay if you don’t want to go anywhere because you can also redeem the points in cash up to $1.000.
This provider has a partnership with DoorDash, so you will get a complimentary DashPass subscription from DoorDash for 1 year. The best part is that you don’t need to pay any foreign transaction fee by using this credit card. You only have to spend $95 for the annual fee. It sounds like a great credit card to use, isn’t it?
American Express is one of the reputable credit card providers. It provides you with a variety of credit cards, including Delta SkyMiles. Instead of cashback and points, this credit card offers miles as the rewards. For example, users who can spend $500 in the first three months will earn 10.000 bonus miles.
Then, you can still collect more miles to redeem them with special rewards. People who love to eat or order at restaurants earn 2x miles. This bonus is included for users who take out the order and use the delivery service.
The interesting part is that users earn 1 mile in any purchase with this credit card. As a traveler, you have a chance to earn 2 miles for every dollar you spend with a Delta card. You even don’t have to pay the foreign transaction fees.
You can be happy if you love to purchase in-flight food, beverages, and audio headsets with Delta. It is because the provider gives 20 percent back for the in-flight transactions. Imagine that the miles you collect can pay for your flight. Make sure that you have at least 5.000 miles. Then, redeem the miles for $50 off the cost of your flight as long as you do the process by using Pay with Miles when booking it on Delta’s official website.
Now, you are not only learning about the types of credit card rewards but also the examples. Ensure that you use the right credit card to enjoy the rewards maximally.
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