Credit Card Articles

Cash back credit card programs are great. If you are the kind of person who pays for everything with your credit card, i.e., gas, groceries, clothes, drugstores, Starbucks, etc., you earn 5% cash back at the end of every year. Offset the money you pay in interest every year with a cash back credit card.

Reward Cards are ideal if you have good credit and are looking to earn rewards for your spending. Through a reward card program, you can earn up to a 1% rebate on purchases. If you sign up for additional promotions, you could possibly earn a full 5% in rewards on purchases. In addition, if you shop at warehouse clubs and discount stores you can earn an additional 0.25% rebate.

Most reward cards come with a low interest rate on purchases and balance transfers. Most reward cards also offer no annual fee, as well as a 0% interest rate on purchases and balance transfers for the first twelve months.

Once a card holder is eligible to receive their rewards, they need to contact the credit card issuer and request to receive their rewards. Many cardholders sign up for reward cards or other types of cash back cards and never bother to claim their rewards. With all of the everyday chores life presents us with, it is easy to forgot or simply put off checking your monthly credit card statements. At the very least, you can usually call the credit card issuer and determine where you are with your rewards.

Remember, credit card issuers are not going to call you in regards to claiming your rewards. It is up to you, the card holder, to stay on top of your rewards programs.