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Rewards Credit Cards and Their Advantages

Rewards Credit Cards and Their Advantages

Reward credit cards allow you earn points on your transactions in exchange for free gifts.  The number of points and their value depends on the company, and sometimes you can earn more points when the company is having a promotion, or for some certain activities. 

Shopping for groceries is a good example of a way that you can earn points weekly with the reward credit card.  You can save up these points to get bigger and better rewards when you come to claim your reward.  It is possible to receive such rewards as vouchers for shopping, clothing items, free days out, and even flights to holiday destinations when you shop using your rewards credit card.

It is always more favorable to carry around a credit card rather than cash.  If you have your wallet or purse stolen or if you lose it, it is quite simple to call your credit card company and they will stop your card from being used.  If you have your purse or wallet stolen, then the credit card company may even be able to track the thief.  If an unauthorized payment is made using your credit card details, whether that is using your card directly, or a fraudster who has illegally acquired your details, then most reward credit card companies will be very helpful, usually reverse the charge and do all that they can to bring the criminals to justice.

One way to earn a lot of points with your reward card is to use it when purchasing flight tickets for travelling abroad.  Because you will be paying a lot of money all at once, you will earn many points on your reward credit card, and in time you may even be able to receive a free flight as a reward.  This is usually a cheaper way of buying flight tickets, even with the interest that is charged on credit cards.  You may even find that the reward credit card company offers free holiday and flight insurance, which can save you a little money each time you travel.

For a safe and secure way of payment whilst saving points towards things that you actually need, a reward credit card is not just your average credit card.  They are accepted in almost every store, and you can use them to make transactions using the telephone, mail or Internet.  A rewards credit card is a great option for anyone who has a fair credit rating and who requires a reliable and useful credit card.

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Useful Credit Cards Tips »

Think hard about the rewards you want. Annual fees for cards are on the increase and the highest fees are usually on the cards with a rewards program attached. At the same time, the points earning rate is going down. Reserve Bank reforms forced on credit card providers mean they are no longer willing to offer frequent flyer points without charging card holders for the privilege. Either by a higher annual fee or introducing a dedicated rewards fee. It now pays to make sure you aren't paying for a reward program that you don't want. If you're chasing frequent flyer points make sure the benefits outweigh the costs, that is, the value of the points you earn each year in flights is more than the annual fee. This is becoming more difficult to achieve as many reward programs now offer less than one Qantas point per dollar spent.

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