cash back http://www.wisebread.com/taxonomy/term/328/all en-US Cash Back vs Travel Rewards: Pick the Right Credit Card for You http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_000048180644.jpg" alt="Woman shopping with her credit card cash rewards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Should you earn <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=inarticle">cash back rewards</a> or <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=inarticle">travel rewards</a> from your credit card? Frankly, it is a question that is nearly as old as reward cards themselves, and the answer has always been &quot;it depends.&quot; Here's a breakdown of the ins and outs of the world of rewards credit cards. Now, you can decide which one will get you the biggest bang for your credit card buck.</p> <p>Of course, you need to be aware that rewards are only rewarding if you pay off your balance in full each month. Otherwise, the interest that you accrue on your balance will always be much more than the rewards you're gaining.</p> <p>But if you're itching to get into the credit card rewards game, here's everything you need to know.</p> <h2>When You Should Choose Travel Rewards</h2> <p>Earning and <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?ref=internal">redeeming travel rewards</a> can be extremely complicated, so the ideal reward card user should be someone who is willing to put in the time and effort to deciphering their <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better">favorite airline</a> and <a href="http://www.wisebread.com/the-6-best-hotel-rewards-programs?ref=inarticle">hotel programs</a>. While earning free travel sounds like an amazing deal, some cardholders may find it frustrating trying to redeem the miles or points they've accumulated.</p> <h3>Earning Travel Rewards</h3> <p>Most travel rewards credit cards will offer bonus points or miles for spending in travel categories, like airfare, car rentals, hotel stays, dining, and entertainment.</p> <h3>Value of Travel Rewards</h3> <p>Travel rewards offer the opportunity to get a higher value for each mile or point earned. Rewards are most valuable when redeemed for international flights in business class, expensive last minute flights, and luxury hotels. These points and miles are less valuable when used for domestic flights in economy class, especially when travelers have the ability to book flights with plenty of advanced notice.</p> <p>But when points and miles are redeemed strategically for high value award flights and luxury hotel stays, then it is often possible to receive three to five cents in value per point, which is much better than the best cash back reward cards.</p> <h3>Redeeming Travel Rewards</h3> <p>The opportunity to redeem award travel is different depending on the credit card and loyalty program it is connected with. Some credit cards guarantee no blackout dates or restrictions when booking an award flight or stay. Others only offer a limited number of seats or stays for those redeeming rewards. Others, still, will simply allow you to redeem a statement credit for any travel purchase you make. How you prefer to travel will be the determining factor for which program to join.</p> <p>Co-branded airline or hotel cards will allow you to directly use your miles to redeem award flights or stays through the loyalty program connected to the card. Many times you can book travel with their partner airlines and chains as well. General travel cards might require you to book travel through their portal or allow you to transfer points to the available programs.</p> <p>It can be very hard to redeem airline miles for flights during peak travel seasons, so these programs are not very well suited to those who only travel during the holidays. Furthermore, some avid travelers who have particular travel requirements aren't very well served by traditional airline frequent flyer programs. For example, someone who wants to take shorter flights on routes with healthy competition will never receive much value from 25,000 miles on a flight that might only cost $100-$200. In addition, large families will usually be frustrated in their attempts to find more than two or three award seats available at the lowest mileage levels. Also, those who don't like to stay in large, chain hotels aren't going to have much use for hotel points. Finally, those whose schedules preclude searching for award seats months in advance will also find their miles to be less valuable.</p> <h3>Travel Perks</h3> <p>A big benefit of travel rewards cards are the included <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">travel perks</a>. For frequent travelers (or those who simply hate the discomfort of travel), perks like priority boarding, status upgrades, lounge access, and free checked bags may prove to be valuable on its own.</p> <h2>When You Should Choose Cash Back</h2> <p>For many credit card users, even some who love to travel, cash back credit cards remain their best option. Using a cash back card like this allows cardholders to use their rewards for travel, paying bills, or for any other purpose they choose.</p> <h3>Earning Cash Rewards</h3> <p>Many cash back cards offer bonus points in general shopping categories, like groceries, department stores, and gas. They may also have a shopping portal that offers extra points for shopping with their partner merchants.</p> <h3>Value of Points</h3> <p>While the best travel hackers are able to get anywhere from three to five cents per point, cash back points usually have a one cent per point value. While the opportunity for point value is lower, cash back programs are simple and cardholders are guaranteed a predictable rate of return from their credit card rewards, without having to decipher loyalty programs or search for award availability. For those who have trouble redeeming their travel rewards, they run the risk of getting no value from the points they've accumulated.</p> <h3>Redeeming Cash Rewards</h3> <p>Redeeming your cash rewards is usually as simple as getting a statement credit or direct deposit into your account. Some require a minimum amount before redemption. You may also have the opportunity to redeem gift cards or products.</p> <h3>Shopping Perks</h3> <p>Many cards offer invaluable <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">perks for shoppers</a>, like extended warranties, purchase and price protection, and credit monitoring services.</p> <p>Reward credit cards offer valuable points, miles, and cash back for your spending, but choosing the best reward card is not that easy. By considering the type of travel you prefer, you can decide if travel rewards or cash back card are right for you.</p> <p>See our picks for best credit cards:</p> <ul> <li><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Rewards Credit Cards</a></li> <li><a href="http://www.wisebread.com/5-best-cash-back-credit-cards">Best Cash Back Credit Cards</a></li> <li><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">Best Sign-Up Bonuses for Airline Miles Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">Best Credit Cards for Hotel Deals and Rewards</a></li> <li><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">Best Credit Cards for Groceries</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">Best Credit Cards for Dining Out</a></li> <li><a href="http://www.wisebread.com/the-5-best-premium-credit-cards">Best Premium Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">Best 0% Balance Transfer Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards">Best Low Interest Rate Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-with-annual-fees">Best Credit Cards with Annual Fees</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees">Best Credit Cards with No Annual Fees</a></li> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">12 Travel Perks You Didn&#039;t Know Your Credit Card Had</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work">How Travel Rewards Credit Cards Really Work</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/using-airline-credit-cards-to-score-premium-travel-awards">Using Airline Credit Cards to Score Premium Travel Awards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel cash back rewards credit cards travel rewards Tue, 24 Mar 2015 13:00:09 +0000 Jason Steele 1351239 at http://www.wisebread.com Citi Double Cash Rewards Card Pays You to Pay Off Your Debt http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature-woman-credit-card-508421799-small.jpg" alt="mature woman credit card" title="mature woman credit card" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are all sorts of tricks that credit card issuers can play on customers that are looking for the most <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back from a rewards card</a>. They can offer bonuses for certain types of purchases, or feature extra cash back on categories of purchases that change every quarter. Others have limits on the rewards that can be earned on certain kinds of purchases each year, or charge a large annual fee that offsets much of the savings. (See also: <a href="http://www.wisebread.com/how-rewards-credit-cards-really-work?ref=seealso">How Cash Back Rewards Credit Cards Really Work</a>)</p> <p>But in this highly competitive market, Citi pushed passed all of these traditional gimmicks and created its <a href="http://www.dpbolvw.net/click-2822544-12003694?sid=steele-1260193" target="_top">Double Cash Card</a><img src="http://www.lduhtrp.net/image-2822544-12003694" width="1" height="1" border="0" /> which offers cash back twice on every purchase &mdash; once when you buy, and again when you pay for those purchases. And there is no annual fee.</p> <h2>Card Benefits</h2> <p>Cardholders can earn an unlimited 1% cash back when they make a purchase, and an additional 1% cash back when their purchase is paid. Customers receive their rewards as soon as they earn $25 worth, and there are no caps or restrictions.</p> <p>New applicants also receive 15 months of interest free promotional financing on both new purchases and balance transfers (after that, the variable APR will be 12.99%-22.99%, based on credit worthiness). There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.</p> <p>This card also features plenty of valuable travel insurance and <a href="http://www.wisebread.com/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping">purchase protection</a> benefits. For example, Citi's Price Rewind service automatically refunds customers when there is a price drop on a registered purchase. Cardholders also receive an <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer">additional year of warranty coverage</a> as well as theft and damage protection of up to $1,000 per item and $50,000 a year, which covers items damaged or stolen within 120 days of purchase (just 90 days for New York State residents).</p> <p>Travelers receive of $50,000 of worldwide rental car coverage, with no more excluded countries such as Italy and Israel. Trip cancellation, trip interruption, and travel accident insurance is also included as benefits of this card. Also, this card is equipped with an EMV smart chip, so it is compatible with the next generation of credit card terminals already in use around the world.</p> <h2>The Costs</h2> <p>There is no annual fee for this card, but there is a 3% foreign transaction fee added to all charges processed outside of the United States. Citi will automatically waive cardholder's first late fee, although most card issuers will happily do this upon request for customers in good standing. The standard interest rate is 12.99% to 22.99%, depending on the cardholder's credit worthiness. These rates are a little bit higher than the most <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards">competitive low-rate cards</a> that have no rewards, but reasonable for a strong rewards card.</p> <h2>Pros</h2> <p>Getting 1% unlimited cash back is pretty standard, but the 1% back when you pay makes this one of the best cash rewards credit cards available. In addition, 15 months of interest free financing is also a very valuable feature, and the <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">additional benefits</a> of this card are as strong as they are on some high end reward cards with pricey annual fees. There's also no annual fee for this card.</p> <h2>Cons</h2> <p>It is unclear why Citi chooses to split awarding the cash back between the time of purchase and the time of payment, which runs contrary to its otherwise simple rewards program. In addition, when traveling internationally, customers will want to use a different card with no foreign transaction fees, and leave this card at home.</p> <h2>Who This Card Is Best For</h2> <p>This is a great product for rewards credit card users who would rather earn cash back than airline miles or other <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards</a>. For those who always avoid interest by paying their balances in full each month, Citi's Double Cash is now the product to beat among cash back rewards cards.</p> <p><a href="http://www.dpbolvw.net/click-2822544-12003694?sid=steele-1260193" target="_top"><strong>Click here to apply now.</strong></a><img src="http://www.lduhtrp.net/image-2822544-12003694" width="1" height="1" border="0" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best 5 Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards">6 Ways My Family Scores Free Travel With Credit Cards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better">Which Airline Loyalty Program Has the Best Value for Their Miles?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-smartphone-apps-that-manage-and-maximize-your-credit-card-rewards">3 Smartphone Apps That Manage and Maximize Your Credit Card Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards balance transfer card review cash back rewards Wed, 03 Dec 2014 23:00:11 +0000 Jason Steele 1263097 at http://www.wisebread.com How to Get 5-20% Cashback on... Pretty Much Everything http://www.wisebread.com/how-to-get-5-20-cashback-on-pretty-much-everything <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/shopdiscover.png"></a></p> <p>You know how some cashback credit cards make you jump through hoops or cut through forests of red tape in order to actually take advantage? Well the <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">Discover it</a> doesn&rsquo;t. In fact, it has so many participating retailers agreeing to give you 5-20% on purchases, you can <i>buy</i> the hoops, and the tape, and pretty much whatever else you want, from wherever you want.</p> <p>Seriously: the Discover It card gives you cash back on over 200 online retailers. And these aren&rsquo;t obscure, &ldquo;we&rsquo;re offering them because you&rsquo;ll never use them&rdquo; retailers. These are the Best Buys, Banana Republics, Brookstones, and Bloomingdale&rsquo;s of the world (&hellip;and that&rsquo;s just the B&rsquo;s).</p> <p>If you're shopping at these places already, it makes no sense to <em>not</em> <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">sign up for a Discover it card</a> and start saving today!</p> <p>Here are a few of the 200+ retailers where you can get 5-20% cashback by shopping through the ShopDiscover portal using your Discover it card.</p> <table> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/bloomingdales_0.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/Expedia_129x76_small.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/golfsmith.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/kmart_6.jpg" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/macys-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/nike-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/nordstrom.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/target-129.gif" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/walgreens-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/oldnavy-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/underarmour-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/travelocity_0.png" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/northface_0.png" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/bananarepublic.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/lego.svg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/sears-129.jpg" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/ralphlauren-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/petco-129.png" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/gap-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/orbitz-129.jpg" width="129" /> </td> </tr> </table> <p><strong>Watch this quick 90-second video to learn how ShopDiscover works.</strong></p> <p id="video-player-discover">ShopDiscover video</p> <script type='text/javascript' src='http://static.wisebread.com/files/wisebread/press/video/bin/swfobject.js'></script> <script type='text/javascript'> var s1 = new SWFObject('http://static.wisebread.com/files/wisebread/press/video/bin/player.swf','player','600','337','9'); s1.addParam('allowfullscreen','true'); s1.addParam('allowscriptaccess','always'); s1.addParam('flashvars','file=http://cdn.discover.com/videos/shopD/mcd_DISCOVER_CARD_640x360.mp4'); s1.write('video-player-discover'); </script> <p>Need any more reason to save? <strong><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">Sign up for a Discover it card today.</a></strong></p> <p>&nbsp;</p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/staff">Staff</a> of <a href="http://www.wisebread.com/how-to-get-5-20-cashback-on-pretty-much-everything">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best 5 Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fbi-considered-its-a-wonderful-life-communist-propaganda">FBI Considered &quot;It&#039;s A Wonderful Life&quot; Communist Propaganda</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/weird-things-you-didnt-know-about-valentines-day">Weird Things You Didn&#039;t Know About Valentine&#039;s Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/jar-of-nothing-the-perfect-present-for-the-picky-prick-in-your-life">Jar of Nothing: the perfect present for the picky prick in your life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Commentary cash back cashback credit card Wed, 04 Jun 2014 16:05:53 +0000 Staff 1139712 at http://www.wisebread.com How to Get 5% Cash Back on Holiday Purchases http://www.wisebread.com/how-to-get-5-cash-back-on-holiday-purchases <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-5-cash-back-on-holiday-purchases" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-with-piggy-bank-christmas-iStock_000021719650Small_0.jpg" alt="woman with piggy bank" title="woman with piggy bank" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>How much did you spend during the holiday season last year? How much will you spend this year? Think for a moment.</p> <p>Perhaps you'll spend $500-$1000 on gifts?</p> <p>And what about food and clothes?</p> <p>Whether you're kicking off the season by hosting Thanksgiving or just bringing appetizers to holiday dinner parties, you may spend an extra $300 on food.&nbsp;A new outfit for New Years Eve along with tickets to a show or two during the holiday season will run about $200.&nbsp;And travel? If you have to travel anywhere, you're looking at $50 for a tank of gas (at least) and upwards of $2,000 if you're buying plane tickets for your whole family.</p> <p>The reality is that the holidays cost a lot of money.</p> <p>Thankfully there are 5% cash back credit cards that will ease the strain on your wallet this season. (Or at least give you a boost in your cash reserves in January when you're able to redeem the rewards.) If you spend $3,500 during the holidays on a 5% back card, you'd be entitled to $175 in cash back rewards. Even if you just spend $500, with a 5% rewards card you'll get $25 back.</p> <p>So before you head out to purchase gifts (and dinner party supplies, and a new outfit, and plane tickets), consider picking up one of these top 5% cash back rewards cards for the holiday season.</p> <h2>Target REDcard</h2> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092" rel="nofollow"><img width="154" height="112" a="" style="float:right;margin:0 5px 5px 10px;" src="http://adn.impactradius.com/display-ad/2092-173676" alt="" /></a>When I think of Christmas shopping, I immediately think of Target. This is because as a kid I would save up my money and my parents would let me visit Target by myself and buy presents for everyone. (For several years my present of choice was a one dollar box of mint holiday cookies.) Target has gifts for everyone on your list &mdash; from clothes to electronics. Get 5% off all your Target purchases with the <a href="http://goto.target.com/c/27771/173676/2092">REDcard</a>; plus with groceries in many stores you'll also save 5% on food for the holidays. Target REDcard cardholders also get free shipping on their Target.com purchases along with an additional 30 days to return an item.&nbsp;</p> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092" rel="nofollow"><strong>Click here to apply for the Target REDcard today!</strong></a></p> <h2>Blue Cash Preferred&reg; Card From American Express</h2> <p><a title="Blue Cash Preferred&reg; Card from American Express" alt="Blue Cash Preferred&reg; Card from American Express" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1049&amp;foc=2&amp;foc2=536598" target="_blank"><img border="0" style="float:right;margin:0 5px 5px 10px;" src="http://content.linkoffers.net/SharedImages/Products/165588/603474.png" alt="" /></a>If you're hosting Thanksgiving, a New Year's Dinner, or a party anytime in between, you'll likely be paying a pretty penny for food. Thankfully, the <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1049&amp;foc=1" rel="nofollow">Blue Cash Preferred&reg; Card</a> offers 6% back (yes, that's 6%, not 5%) at U.S. supermarkets on up to $6,000 per year in purchases. For those traveling by car during the holidays, this card also offers 3% back at U.S. gas stations. Shopping at select U.S. department stores also gets you 3% back. Cash back comes in the form of Reward Dollars, which can be used towards statement credit.</p> <p>Sign up for this card now to receive their sign up bonus of one year of $150 statement credit after you spend $1,000 on purchases on your new card within the first three months. You'll also get some relief with their 0% Intro APR on purchases and balance transfers for 15 months (after that, your APR will be a variable 12.99%-21.99% based on your credit). There is a $75 annual fee for this card. Terms and limitations apply.</p> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1049&amp;foc=1" target="_blank"><strong>Click here to apply for the Blue Cash Preferred&reg; Card from American Express today!</strong></a></p> <h2>Discover it&reg; Card</h2> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1049&amp;foc=1" target="_blank"><img width="154" height="98" alt="credit card" style="float:right;margin:0 5px 5px 10px;" src="http://content.linkoffers.net/SharedImages/Products/210678/601513.png" /></a>Would you rather avoid the holiday lines on Black Friday, Christmas Eve, and every other day in between by shopping online? If you prefer shopping online, then use (or apply for) the <a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1049&amp;foc=1" target="_blank">Discover it&reg;</a> card for your holiday season shopping. Get 5% cash back in categories that change each quarter. Now to June 30, earn 5% at Restaurants &amp; Movies on up to $1500 in purchases after you sign up. The 5% back is limited on up to $1500 in purchases; you get 1% cash back on all other purchases. You can also get up to 20% cash back with over 200 retailers through Discover's online shopping portal. You also get a free FICO Credit Score on monthly statements to monitor your credit.</p> <p>The card currently offers 0% Intro APR for 14 months on purchases and balance transfers (then a variable APR of 10.99%-22.99%).&nbsp;</p> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1049&amp;foc=1" target="_blank"><strong>Click here to apply for the Discover it&reg; Card</strong></a></p> <h2>Chase Freedom&reg;</h2> <p><a title="Chase Freedom&reg;" alt="Chase Freedom&reg;" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1049&amp;foc=2&amp;foc2=599917" target="_blank"><img alt="credit card" style="float:right;margin:0 5px 5px 10px;" src="http://content.linkoffers.net/SharedImages/Products/166071/599917.png" /></a>The <a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1049&amp;foc=1" target="_blank">Chase Freedom&reg;</a> card gives 5% back on quarterly rotating categories as well (1% on all other purchases). From now until June 30, get 5% cash back at restaurants, Bed Bath &amp; Beyond, H&amp;M, and Overstock.&nbsp;Note that the 5% back is limited to $1,500 in spending each quarter (so $75 cash back) and you must enroll your card for the rotating rewards each quarter. Chase also has an online shopping portal that gives you extra cash back. There is no annual fee.</p> <p>Sign up now to get $100 after you spend $500 on purchases in your first 3 months. Earn another $25 after you add an authorized user and make a purchase within 3 months. Plus get 0% APR for 15 months on purchases and balance transfers.</p> <p><strong><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1049&amp;foc=1" target="_blank">Click here to apply for the Chase Freedom&reg; today!</a></strong></p> <p>No matter what your plans are for the holidays this year, there's a card that can help you earn 5% back.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/how-to-get-5-cash-back-on-holiday-purchases">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best 5 Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/credit-card-rewards-programs">Credit Card Rewards Programs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-credit-cards-for-the-holidays">Best Credit Cards for the Holidays</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-worst-holiday-credit-cards">The Worst Holiday Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-use-your-credit-card-for-holiday-purchases">5 Reasons to Use Your Credit Card for Holiday Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping cash back holiday shopping Fri, 08 Nov 2013 11:05:37 +0000 Elizabeth Lang 955799 at http://www.wisebread.com The Best 5 Credit Cards for Groceries http://www.wisebread.com/the-best-5-credit-cards-for-groceries <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-5-credit-cards-for-groceries" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/grocery-credit-card-483096459-small_0.jpg" alt="grocery credit card" title="grocery credit card" class="imagecache imagecache-250w" width="250" height="150" /></a> </div> </div> </div> <p>Last year my credit card, with which I had earned 5% back on groceries and gas since 2007, suddenly changed. They switched to some sort of rotating-category-that-earns-more-points system that I didn't particularly care for. Every few months, I have to opt in all over again to take advantage of whatever category they're giving the most points for that month. Even though I do my best to <a href="http://www.wisebread.com/perform-a-credit-card-rewards-annual-review?ref=internal" title="Perform a Credit Card Rewards Annual Review">keep up with credit card rewards</a>, I don't take credit card reward hacking to the extreme. I'd prefer not to have to carry around 10 cards in my wallet.</p> <p>Nevertheless, I do prefer to get the most points in categories that I actually spend a lot of money on. After our mortgage, the highest percentage of our monthly expenses comes in the form of groceries. We prefer organic and local food, which can be pricey. So, I set out to determine which credit cards actually give the highest percentage back on groceries. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=seealso" title="Best 5 Travel Reward Credit Cards">Best Cash Back Credit Cards</a>)</p> <h3>Blue Cash Preferred&reg; Card from American Express</h3> <p><a title="Blue Cash Preferred&reg; Card from American Express" alt="Blue Cash Preferred&reg; Card from American Express" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1110&amp;foc=2&amp;foc2=536598" target="_blank"><img border="0" alt="" src="http://content.linkoffers.net/SharedImages/Products/165588/603474.png" style="float:right;margin:0 10px;" /></a>The <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1110&amp;foc=1" rel="nofollow">Blue Cash Preferred&reg; Card</a> offers a whopping 6% cash back at US supermarkets (up to $6,000 per year in purchases). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. It does have an <strong>annual fee</strong> of $75, but if you have a big grocery budget, the rewards would be more than enough to cover this yearly cost.</p> <ul> <li>Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.</li> <li>Hassle-free cash back: no enrollment required, the same great reward categories year-round.</li> <li>Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations &amp; select US dept stores, 1% other purchases. Terms and limitations apply.</li> <li>Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.</li> <li>0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.</li> <li>Terms and limitations apply.</li> </ul> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1110&amp;foc=1" rel="nofollow"><strong>Click here to apply for the Blue Cash Preferred&reg; Card from American Express today!</strong></a></p> <h3>Blue Cash Everyday&reg; Card from American Express</h3> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050771&amp;fot=1110&amp;foc=1" rel="nofollow" alt="Blue Cash Everyday&reg; Card from American Express" title="Blue Cash Everyday&reg; Card from American Express"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/87/603460.png" style="float:right;margin:0 10px;" alt="" /></a>If the idea of paying an annual fee for a credit card is unappealing, try the no-annual-fee <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050771&amp;fot=1110&amp;foc=1" rel="nofollow">Blue Cash Everyday&reg; Card</a>, which gets you 3% cash back at US supermarkets (up to $6,000 per year in purchases). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.</p> <ul> <li>Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.</li> <li>Hassle-free cash back: no enrollment required, the same great reward categories year-round.</li> <li>Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations &amp; select U.S. dept stores, 1% other purchases. Terms and limitations apply.</li> <li>Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.</li> <li>No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.</li> <li>Terms and restrictions apply.</li> </ul> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050771&amp;fot=1110&amp;foc=1" rel="nofollow"><strong>Click here to apply for the Blue Cash Everyday&reg; Card from American Express today!</strong></a></p> <h3>Target REDcard&reg;</h3> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092" rel="nofollow"><img width="154" height="112" src="http://adn.impactradius.com/display-ad/2092-173676" alt="Target" style="float:right;margin:0 10px;" /></a>If you shop at a SuperTarget for groceries, the <a target="_blank" href="http://goto.target.com/c/27771/173676/2092" rel="nofollow">Target RedCard</a> gives you 5% off at everything you purchase at the register. This isn't just a grocery rewards credit card; the cardholder will receive the same discount on all Target purchases (including at Target.com where you get free shipping). Unfortunately, this card has no affiliation with any credit card payment network such as Visa or MasterCard, so you can&rsquo;t use it outside of Target stores.</p> <ul> <li>5% off everything at Target</li> <li>Free shipping at Target.com</li> <li>$0 annual fee</li> <li>1% of your REDcard purchases get donated to your choice of eligible K-12 schools</li> </ul> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092" rel="nofollow"><strong>Click here to apply for the Target REDcard&reg; today!</strong></a></p> <h3>Barclaycard&reg; Rewards MasterCard&reg;</h3> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=16840688&amp;fot=1110&amp;foc=1" target="_blank"><img width="154" height="98" src="http://content.linkoffers.net/SharedImages/Products/209832/602806.png" alt="Barclaycard Rewards Mastercard" style="float:right;margin:0 10px;" /></a> The Barclaycard Rewards MasterCard&reg; is a simple, straightforward rewards credit card that gets you 2x points on groceries, gas, and utilities.</p> <ul> <li>Earn 2 points per $1 on gas, grocery, and utility purchases</li> <li>1 point per $1 everywhere else</li> <li>No annual fee</li> <li>Use your points like cash to pay for any purchase you've made</li> <li>No redemption fees, no limit on the points you can earn and no complicated set up</li> </ul> <p><strong><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=16840688&amp;fot=1110&amp;foc=1" target="_blank">Click here for more details on the Barclaycard Rewards MasterCard</a></strong></p> <h3>BankAmericard Cash Rewards</h3> <ul> <li><strong>Sign up offer:&nbsp;</strong>$100 cash rewards bonus for making $500 in purchases in the first 90 days</li> <li>2% cash back at grocery stores</li> <li>3% cash back on gas</li> <li>1% cash back on everything else</li> <li>$0 annual fee</li> <li>Get 10% bonus if you redeem rewards directly into your Bank of America checking or savings account (instead of a statement credit)</li> </ul> <p>There is a $1500 per quarter limit on the 2% and 3% grocery stores and gas rewards ($1500 combined purchases between the two). However, if you are already a Bank of America card holder, the extra 10% bonus is attractive. Cardholders can receive their cash-back rewards as a direct deposit in any <a href="http://www.wisebread.com/7-banks-still-offering-free-checking-and-great-interest-rates?ref=internal">checking or savings account</a>, as a statement credit, or even as a payment towards a mortgage held by Bank of America.</p> <h3>U.S. Bank Cash+&trade; Visa Signature&reg; Card</h3> <ul> <li>Choose and change your 5% and 2% cash back categories every quarter</li> <li>5% cash back on your first $2,000 each quarter (combined) on two categories of your choice</li> <li>2% cash back on your choice of one category</li> <li>Earn $25 Cash+&nbsp;Bonus when you redeem $100 or more in a single redemption (limit 1 per year)</li> </ul> <p>This card offers flexibility in your &quot;bonus&quot; categories which other cards don't offer, so it's a great card for those who can't find a card that offers bonus categories that are useful.&nbsp;</p> <h3>The Best Credit Card Offer for You</h3> <p>If you like <a title="Credit Card Guide" href="http://www.wisebread.com/credit-card-guide">credit card rewards programs</a>, but have recently been unhappy with changes to your card, it may be time to consider a new one. The best way to choose a cash-back rewards card is to simply look at what your biggest category of spending is each month, and find a card that gives you the most cash back on that category. For me, this category was groceries.</p> <p><em>What's your biggest category of spending each month? Do you earn extra credit card points for those cards?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-times-to-go-grocery-shopping">The Best and Worst Times to Go Grocery Shopping</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">The 5 Best Credit Cards for Dining Out</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-grocery-shop-for-five-on-100-a-week">How to Grocery Shop for Five on $100 a Week</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">20 Easy Ways to Stretch Your Grocery Dollars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Food and Drink Shopping cash back credit card rewards groceries supermarkets Fri, 19 Apr 2013 10:00:00 +0000 Elizabeth Lang 784541 at http://www.wisebread.com Restaurant.com 80% off Coupon Code with FatWallet 25% Cashback - $25 Gift Certificates for $1.50 http://www.wisebread.com/restaurantscom-80-off-coupon-code-25-gift-certificates-for-200 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/restaurantscom-80-off-coupon-code-25-gift-certificates-for-200" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4092270668_8ef220bbb6_z.jpg" alt="restaurant" title="restaurant" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p><strong>Note The original promotion has ended, but there is a new promotion valid until 08/31/2010 at </strong><a title="Restaurant.com" href="http://www.dpbolvw.net/click-2893747-10445122"><strong>Restaurant.com</strong></a><strong>.</strong></p> <p><strong>$25 Restaurant.com Gift Certificates for $2.00</strong></p> <p>Save 80% off Restaurant.com $25 Gift Cert. orders. Use code <strong>CLEARANCE</strong> and Pay $2.</p> <p><a href="http://www.dpbolvw.net/click-2893747-10445122">Restaurant.com</a> regularly sells $25 restaurant gift certificates for $10, and $10 gift certificates for $3. From today to 11/20/2008, a coupon code gives you an additional 80% off so a $25 gift certificate is only $2, and a $10 gift certificate is only $0.60! Additionally, <a title="Restaurant.com coupons" href="http://www.fatwallet.com/cash-back-coupons/Restaurant/">FatWallet.com</a> is having a 25% cash back sale on Restaurant.com so if you use FatWallet you would essentially get the $25 gift certificates for $1.50 each, and $10 gift certificates for $0.45 each after you receive the 25% cash back. (See also: <a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards" title="How to Use Up Remaining Balances on Prepaid Gift Cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a>)</p> <p>The coupon code is <strong>SURPRISE</strong>. You can search for <a href="http://www.wisebread.com/6-secrets-restaurants-dont-want-you-to-know" title="6 Secrets Restaurants Don't Want You to Know">restaurants</a> within your area and add gift certificates to the restaurants you are interested in, and then add them to your cart and order. One thing that you must do with these gift certificates is to read the fine print. Some restaurants require minimum purchase amounts and some gift certificates can only be used on certain days so make sure that you read the details associated with each gift certificate. After your purchase, you can print out the certificates or choose to print them later.</p> <p>Currently the website is very slow because of this promotion, but there are a lot of restaurants to choose from. There are more than 100 restaurants within 15 miles of where I live and I finally purchased a few of these gift certificates to restaurants I know of. The gift certificates generally expire one year from issue and never expire in California and other states where the expiration of gift certificates is illegal. Even if you do not eat out often, these gift certificates could make great stocking stuffers!</p> <p>Steps to receiving the max amount of discounts:</p> <ol> <li>Sign up for FatWallet.com.</li> <li>Go to the <a title="Restaurant.com coupons" href="http://www.fatwallet.com/cash-back-coupons/Restaurant/">Restaurant.com landing page</a> and click through to Restaurant.com.</li> <li>Add gift certificates you are interested in purchasing.</li> <li>Type in SURPRISE in the discount code box.</li> <li>Check out.</li> </ol> <p>The coupon code should give you 80% off and the FatWallet cash back should be redeemable in a few weeks. Make sure you don't sign up for additional offers at Restaurant.com.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/restaurantscom-80-off-coupon-code-25-gift-certificates-for-200">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best 5 Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-14-best-ways-to-cut-food-costs-while-traveling">The 14 Best Ways to Cut Food Costs While Traveling</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-own-coupons-20-great-free-gift-ideas">20 Great, Free Gift Ideas</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-foods-that-are-actually-better-buys-at-a-restaurant">7 Foods That Are Actually Better Buys at a Restaurant</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig">10 Tips for Landing the Perfect House-Sitting Gig</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Coupons cash back gift certificates restaurants Wed, 19 Nov 2008 02:16:36 +0000 Xin Lu 2588 at http://www.wisebread.com Credit Card Rewards Programs http://www.wisebread.com/credit-card-rewards-programs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/credit-card-rewards-programs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/credit-cards-453232329-small.jpg" alt="credit cards" title="credit cards" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A commenter on a recent article of mine on <a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything" title="Guide to Using Credit Cards Wisely" target="_blank">credit card usage</a>, suggested a follow-up post with an eye to uncovering the mysteries of credit card rewards programs.</p> <p>And in my research, I discovered it&rsquo;s a murky world of points, rebates, fees, and interest rates out there! A lot of it comes down to personal choice, but here is some information to aid your plight for a suitable credit card rewards program:&nbsp;</p> <h2>Types of Rewards</h2> <p>There are typically three types of rewards programs: <strong>point-based, cash back, and frequent flyer miles</strong>. Some programs offer combinations of these rewards, with varying value for point redeemed.</p> <p><strong>Points-based programs</strong> involve accumulating points (based on the amount you spend), and then redeeming your points for merchandise from their catalogue. Points leave a little to be desired, since depending on what you redeem your points for you might not get a lot of value.</p> <p>For example, Smart Money has an <a href="http://www.smartmoney.com/dealoftheday/index.cfm?story=20070309" target="_blank">article on this topic</a> , where they show you the Good, Bad, and Ugly of credit card rewards programs. Case in point for the ugly:</p> <blockquote><p><em>You could trade 39,200 Bank of America WorldPoints for a 30GB iPod, which retails for $249. Or you could use just 35,000 points to get a $350 check &mdash; enough to buy the iPod at your local electronics store. You'd come out roughly $100 ahead, and saved 4,200 points to use for another reward.</em></p> </blockquote> <p>Gift certificates tend to be the best value for your points when flipping through the catalogue, and it is generally recommended that you stay away from the merchandise, since it is over-priced and lacking in quality. The gift certificate option also carries an added value advantage, since credit companies strike deals with the retailers to give them a deal on the gift certificates, whereas a dollar is a dollar when it comes to cheques or merchandise.</p> <p><strong>Cash back</strong> is most common, and offers quick rewards for your buck. However they can also have limitations; Some will only start to honour the cash back policy once you have spent a minimum amount of money, and yet others will cap the total amount of cash they&rsquo;ll reward.</p> <p><strong>Frequent Flyer Miles</strong> for airline tickets will sometimes give you the best bang for their buck, but can be a pain to redeem. Many issuers have blackout times, while others only designate a certain number of seats per flight as airline rewardable seats. If you don&rsquo;t book your ticket early enough you can be out of luck, especially if you want a flight that&rsquo;s commonly flown and redeemed for.</p> <p>Saving for airline ticket rewards can also be tedious and take some time to accumulate for, and in this changing airline world, increasing fees and limitations could pose problems in the future. I have already noticed that one of the rewards programs I use have imposed a stipulation that if you do not use your points within seven years of the point being rewarded to your account, you lose it. So if you are saving up for a big reward (or on the flip side have accumulated tons of points over the years and haven&rsquo;t used them), you may lose your chance.</p> <p>Also, expect to pay out of pocket for the taxes, fuel surcharges, and other miscellaneous expenses (like a special booking charge if you redeem on the phone with an agent as opposed to online). But hey &ndash; a buck is a buck. To fly across the country (or around the world) for the cost of the taxes is rarely something to complain about.</p> <h2>Tips for the reward-hungry credit card user</h2> <p><strong>Pay off that balance!</strong></p> <p>As stressed in my <a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything" target="_blank">previous article and related comments</a>, using a rewards program is for responsible credit card users. If you rack up a balance with an eye to getting rewards, and then spend the next 6 months or more trying to pay off the balance (and paying interest all the while), then the value of your rewards decreases significantly. Pay off those darn cards every month and treat your credit card like a <a href="http://www.wisebread.com/call-your-credit-card-a-plastic-check" target="_blank">debit card or chequebook</a> &ndash; if you don&rsquo;t have the money in your account, don&rsquo;t whip out the plastic.</p> <p><strong>Don&rsquo;t get sidetracked by the smaller rewards</strong></p> <p>Initially it can take time to build up a big enough balance to start redeeming for the rewards you really want. Don&rsquo;t lose patience and redeem your 800 points for an item of insignificant value when what you really got the card for was airline tickets, or special gift certificates. Most rewards programs have tiered systems that offer sweeter rewards (with better value) for those with more points. Your patience in saving up will be rewarded.</p> <p><strong>Get the card for the rewards you want</strong></p> <p>If what you want is an airline ticket to Hawaii, then search for the best card to get you there. I found a program (in Canada) where flights to Hawaii required fewer points than even some continental flights, and I chose that card with an eye to getting that ticket. It took time, but my boyfriend and I are now living (temporarily) in<a href="http://www.wisebread.com/hobo-living-made-easy" target="_blank"> Hawaii</a>, and got return tickets for a total of $76 in taxes for both of us (whereas paying in cash would have been over $1,600 for both of us).</p> <p><strong>Look for bonus points</strong></p> <p>Lots of programs will offer bonus points depending on where you spend your money or what you buy. Check online for bonus offers regularly, and spend wisely. You can often get triple the miles with a little research and effort.</p> <p><strong>Look at points conversion programs</strong></p> <p>Some programs are in cahoots with each other, and you can transfer or convert miles from one program to another. Be wary of those that charge a fee to do so, and take a close look at the conversion ratio. Sometimes they&rsquo;re way out of whack such that is makes no sense to convert.</p> <p>Specific programs vary from country to country (and sometimes even within regions), so I won&rsquo;t go into many specifics with regards to individual program choices. It's up to you to decide which rewards will ultimately benefit you the most. Just remember to use it wisely or else the interest fees will end up costing you more than you're getting in rewards, and it's a safe bet that that is exactly what the credit card companies are counting on.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/credit-card-rewards-programs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The Best 5 Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-turn-groceries-into-gasoline">How to Turn Groceries Into Gasoline</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frequent-flyer-junkie-manage-your-miles-here">Frequent Flyer Junkie? Manage your Miles Here</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping cash back frequent flyer loyalty programs rewards programs Sat, 01 Dec 2007 00:22:00 +0000 Nora Dunn 1442 at http://www.wisebread.com