Chase Platinum Visa Card

If you have good credit and want an all-around solid card, the Chase Platinum Visa Card is what you need. This card comes with no annual fee. Youll also enjoy the initial 0% interest rate for up to twelve months on purchases and balance transfers. In addition to these benefits, you can participate in the cards reward program. You will earn one point for each dollar that you spend on purchases. You can then redeem those points for cash, merchandise, travel options or gift cards. Youll also have access to additional perks, such as travel accident insurance, car rental insurance, and free online access to your account.

Chase Free Cash Rewards Visa Card

Getting cash back is a good option, and if thats what youre interested in, the Chase Free Cash Rewards Visa Card is the one for you. With this rewards program, youll earn one point for each dollar that you spend. Every time you reach 2,500 points you will be sent a $25 check. Or you can choose to receive a $25 gift certificate from a variety of merchants and retailers. And with the bonus of earning an additional 1,000 bonus points with your first purchase, you will be on the fast track for earning cash back.

Chase Flexible Rewards Platinum Visa

If you want to be rewarded for using your card but cant make up your mind on how to do so, the Chase Flexible Rewards Platinum Visa is the best card for you. Through this program, just like the others, you will earn one point for every dollar that you spend on general purchases. Then you can decide how to use your points. Choose between airline tickets, hotel visits, car rentals and more. With no annual fee and a low interest rate for those who qualify, this card is a valuable option. The toughest decision youll have to make is how to use your reward points.

It is important to note that some of the cards Chase offers include an evaluation of your credit history. Depending on your credit rating, you may be given a lower or higher interest rate. Also, the length of time that the introductory features apply may vary depending on your credit score. Before applying, make sure you read the fine print carefully. Regardless of the interest rate you receive, if you pay off your balance each month, you wont have to worry about extra finance charges.

If you are looking for options, Chase has them. Whether you want a flexible rewards program or cash back, you will find what you need with Chase credit cards. Join the millions of Americans that are Chase cardholders and apply online today. The options and benefits are bound to surpass your credit expectations.

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What type of reward do you really want? Rewards credit card may offer travel rewards, gas rewards, and cash back rewards. Which type of reward really suits your lifestyle? Make sure that the reward program you’ll choose is something that you can really benefit from.

Does it have an annual fee? Some reward credit cards charge for a high annual fee to continue your membership in the rewards program. If this is the case, does the annual fee off set the rewards you earn for the whole year? For example, if you need to spend $100 or more for the annual fee just to get a $50 reward points, then that’s not much of a benefit. However, there are many reward credit cards today that offer a free annual or a low annual fee plus the chance to earn unlimited reward points which truly make a great deal.

Does the credit card have a fixed rate or a variable rate? Most reward credit cards have a fixed APR or 0% APR as introductory offer. However, when the introductory period ends, a variable APR applies. Bear in mind that this means your interest rate will be based upon the Prime Rate so there is a risk that when the Prime Rate increases, your APR can also be incredibly high. Also, remember that credit cards have a minimum cap which means even if the Prime Rate falls dramatically, your interest will not go below the minimum cap.

How much will it take before you get a reward? Study carefully the point system that applies on the credit card reward program that you choose. You need to be especially aware about the exact conditions when it comes to earning and redeeming rewards even before you sign up the card.

Does the one point per dollar spent policy apply on general purchases or does it only apply to purchases you’ve made from selected stores? If so, then you might want to consider if the affiliate shop you need to purchase from is a store that offers reasonable prices. If you need to buy from an expensive shop every time just to collect points, then you might only be spending more than what you can afford.

Is if there is a limit on the number of points you can earn? Some credit cards give generous points for their cardholders but only for a limited time period. Afterwards, you may be restricted to earning just a few points in your account.

Is there also an expiration period for collecting rewards? Will the rewards be forfeited if not redeemed after a certain time period? Be sure that the credit card you choose will give you enough time for collecting and earning points, especially if it’s a travel rewards card. Otherwise, you might end up collecting points in vain just because you didn’t earn enough points in time. Better yet, choose the rewards credit card that lets you save as much point as you can for an unlimited period.

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Lifestyle

The first thing you need to take into consideration when looking for a cash back credit card is your lifestyle. Not all cash back credit cards are the same and, as such, not all of them will suit you well. For example, some cash back credit cards only supply you with rewards for purchases made at specific stores or on specific items. Therefore, these cards will not do you a whole lot of good if you never make purchases at these stores or on these items. Make sure to choose a cash back credit card that provides rewards for something you already purchase regularly. Never change your spending habits based on a cash back credit card. Instead, find one that conforms to you and your lifestyle.

In addition to having different ways for allowing you to accumulate cash back rewards, there are different ways for you to receive the reward as well. Some will cut you a check automatically once you have earned a certain amount of money, while others will expect you to monitor your own rewards and to request your cash back reward. Yet others will automatically apply your reward toward your credit card balance or will invest your money in certain savings programs.

Once again, you need to assess your lifestyle to determine which option is best for you. A cash back credit card that invests you cash rewards into a college savings plan, for example, is not best for you if you do not have children or someone else to help through college. Similarly, if you know that you do not have the time or inclination to monitor your own rewards program and to request your cash back, then be sure to select a cash back credit card that issues checks automatically.

Spending Habits

When choosing a cash back credit card, you also need to assess your own spending habits and find a card that compliments your habits the best. If you tend to leave a balance on your credit card from time to time, then you want to find a cash back credit card with a low interest rate. Otherwise, you might end up spending more in finance charges than you receive from the cash back program.

You also need to pay attention to limits and restrictions the cash back credit card might have. Some have a maximum on the amount of cash back rewards you can spend. This could cause you to lose out on money that you could get with other cash back credit cards. For example, if a credit card only supplies cash back rewards for the first $10,000 you spend per year, but you typically spend $15,000 per year on your credit card, then you are losing out on $5,000 that could be earning you money. Therefore, you want to be sure to apply for a cash back credit card that provides rewards for at least up to $15,000 worth of purchases.

Additional Benefits

In addition to providing you with cash rewards, cash back credit cards also come with a number of other benefits. The benefits provided by these cards, however, are not the same from card to card. For example, some cash back credit cards might provide you with extended warranty protection and purchase protection while others may not. Some might also provide emergency roadside service, fraud protection, travel insurance, and auto rental insurance. If any of these benefits are important to you, you need to take them into consideration when choosing the cash back credit card that is best for you.

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Chase Platinum Visa Card

If you have good credit and want an all-around solid card, the Chase Platinum Visa Card is what you need. This card comes with no annual fee. Youll also enjoy the initial 0% interest rate for up to twelve months on purchases and balance transfers. In addition to these benefits, you can participate in the cards reward program. You will earn one point for each dollar that you spend on purchases. You can then redeem those points for cash, merchandise, travel options or gift cards. Youll also have access to additional perks, such as travel accident insurance, car rental insurance, and free online access to your account.

Chase Free Cash Rewards Visa Card

Getting cash back is a good option, and if thats what youre interested in, the Chase Free Cash Rewards Visa Card is the one for you. With this rewards program, youll earn one point for each dollar that you spend. Every time you reach 2,500 points you will be sent a $25 check. Or you can choose to receive a $25 gift certificate from a variety of merchants and retailers. And with the bonus of earning an additional 1,000 bonus points with your first purchase, you will be on the fast track for earning cash back.

Chase Flexible Rewards Platinum Visa

If you want to be rewarded for using your card but cant make up your mind on how to do so, the Chase Flexible Rewards Platinum Visa is the best card for you. Through this program, just like the others, you will earn one point for every dollar that you spend on general purchases. Then you can decide how to use your points. Choose between airline tickets, hotel visits, car rentals and more. With no annual fee and a low interest rate for those who qualify, this card is a valuable option. The toughest decision youll have to make is how to use your reward points.

It is important to note that some of the cards Chase offers include an evaluation of your credit history. Depending on your credit rating, you may be given a lower or higher interest rate. Also, the length of time that the introductory features apply may vary depending on your credit score. Before applying, make sure you read the fine print carefully. Regardless of the interest rate you receive, if you pay off your balance each month, you wont have to worry about extra finance charges.

If you are looking for options, Chase has them. Whether you want a flexible rewards program or cash back, you will find what you need with Chase credit cards. Join the millions of Americans that are Chase cardholders and apply online today. The options and benefits are bound to surpass your credit expectations.

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The fact of the matter is that according to Fortune magazine, if in case you may still have credit cards that have an airline name on, you should immediately cut it up.

Anything you may have known on any travel reward credit cards may not be necessarily true.

This is due not solely due to the high rates of interest and annual fees they slap on un-suspecting credit card holders. The real issue comes from the teeny weeny bang that they offer for a lot of your bucks.

Such a travel reward program actually limits all your other credit options. Currently, there are a lot of airlines which fly fewer planes using a lot cheaper fares. At the same time, a lot of other people are crazily accumulating numerous flyer miles.

This even basically means that there are tickets for rewards that are less available and are actually worth a lot less. Also, think about it.

By accumulating a lot of miles in one specific airline, you may be limiting yourself for any other probably better options in the next vacation you take.

Also, though rates of hotel are getting higher, finding these has also become a lot easier. One can also find these for free.

Using Starwood, which is the parent firm of popular and classy hotels such as Sheraton, Westin, Le Meridien, among others, points could be used to avail of rooms.

Believe it or not, people actually spend a lot more for their hotel than on airline tickets. It is a lot sensible therefore to invest more on a rewards program for a hotel.

Travel rewards points earned through Starpoints could easily be transferred to more than twenty various airlines.

Currently, Fortune has classified the following as the best travel reward credit cards available on the planet.

The best travel reward credit cards for you

The American Express issued Starwood American Express Preferred Guest is one such best travel reward credit card. The annual fee for this card is actually free during the first such year of its use. Thereafter, thirty dollars will be charged annually.

The airline partners of this travel reward credit card numbers to more than thirty. The program works by converting to one point for every dollar charged.

The fact of the matter is that Starwood is the gold and most solid standard for travel reward credit cards. Believe it or not, one could not get solely a room in a hotel owned by Starwood for as little as two thousand points, these same points are also transferable to thirty airlines.

Another best travel reward credit card is the Marriot Premier Rewards Signature Visa Card as issued by Visa. The annual fee for this card is pegged at sixty five dollars.

Their partner airlines number to more than twenty five. Their program works wherein one point is equivalent to a dollar charged.

Though this particular card offers no other bonuses when points are converted to miles, its partner include the Ritz Carlton.

All in all, the best travel reward credit cards are out there. All you have to do is open your mind and accept the difference these cards could bring to your life.

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Just because one of your friends says they have the best airlines card does not mean it will be the best one for you. In order to find the best available, there are a few things you must look at before deciding which airlines credit card is the one that fits you perfectly. You will need to not only look at the airline cards and what they have to offer but also at your spending habits and traveling habits.

First look at the applicable interest rates of the airlines credit card that you you wish to apply for. Most airline cards have higher interest rates than ones without any type of rewards program. If you normally carry a balance on your card from one billing cycle to another, then airline cards may not be the right answer for you. If you still wish to reap the benefits offered by airline cards, then you should be sure to choose one with the lowest interest rates.

Some airline cards offer you points for every dollar spent while others only give you points if you purchase at certain stores or make certain purchases. If you only get points for shopping at certain stores and they are not ones you normally use, then the card will be worthless to you. The same goes for which airline you normally use. Some airline cards are only for one airline, if you do not use that airline or seldom use it, then you will not be accumulating points that you can redeem and use.

There are also restrictions placed on airline cards, such as how many points you can receive in a year and many have expiration dates on the points earned. You could be saving up thousands of points and they may expire before you ever get to use them.

Now look at your overall purchases in one year that you place on your credit card. If you normally only spend $15,000 with your credit card but you need to spend $20,000 to receive a free trip with your earned points then the airline card will not be the one for you, unless you wish to spend thousands more to reap the rewards. Remember, bundled into paying off your debt you will also be paying higher finance charges and annual fees and you may never get that free trip.

If you travel quite a bit then airline cards are well worth your time to check into, however if you only travel a couple of times per year it may not be worth the higher interest rates, higher finance charges and annual fees that come along with an airlines credit card. Some companies offer extra incentives such as a free companion ticket, but if you normally travel by yourself then this offer is one you will not need.

You will find than an airlines credit card in some cases will offer you an upgrade if you travel a lot giving you the luxury of first class, but you may find out that you will receive more points with an airlines credit card that does not give upgrades.

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