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Credit Card
Rewards | Top Companies: This Week's Reviews |
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| Services Offered:
Credit card rewards programs |
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| Company Overview:
Discover card was founded in 1986. The company is a
leader in the credit card industry and was among the
first companies to offer credit card rewards programs
with no extra fees. In 2006 alone, they had more than $3
billion worth of transactions. Their PULSE network has
over 4,000 bank affiliations and more than 260,000 ATMs
worldwide. |
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| Our Review:
Discover has always offered no-fee rewards programs to
their customers. Their programs are simple and
straightforward, which is very helpful to people who
don’t have time for complicated policies and programs.
The customer service is outstanding, and the website
makes getting cards very simple. |
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| User Review:
Discover card was my first credit card. Unlike some of
the other cards out there, I didn’t have to accept a
rewards program or pay a fee for it, because it just
came with the card. I love my Discover card, and the
credit card rewards program that goes with it. |
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| Services Offered:
Credit card rewards programs |
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| Company Overview:
Credit Axis was started in 2003, and works with more
than 80 lenders to offer credit card rewards programs to
consumers. They work with consumers of all credit types,
and they also offer an array of other credit resources
and loan options for consumers. |
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| Our Review:
Credit Axis is a great company. Since they work with so
many lenders and creditors, finding a rewards program
with them shouldn’t be hard. The website makes
everything simple, because it is so easy to use, and the
customer service is very professional and available
24/7. |
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| User Review:
Credit Axis found me two or three different credit card
rewards programs to choose from, even though I had
terrible credit. I loved what I was offered, and the
fact that their company treated me like a real person
and not like a customer with bad credit. |
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| Services Offered:
Credit card rewards programs |
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| Company Overview:
Bank of Internet was started in 1999 as the first
online-only bank and lender. They became a leader in the
industry very quickly, and now have more than $1 billion
in assets. They have banking solutions, loans, and
credit cards for consumers and businesses. They also add
thousands of customers to their roster every year. |
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| Our Review:
Bank of Internet will always be one of our favorite
lenders for all things credit, lending, and banking.
With a great website, a proven service record, and
amazing customer service, they offer something for just
about everyone. They have plenty of credit cards to
choose from, and many come with credit card rewards as
well. |
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| User Review: Bank
of Internet offered me a credit card rewards program
free of charge, as an addition to my credit card. Now,
not only do I have a great credit card, but I make money
every time I spend money, too. I love it! |
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| Services Offered:
Credit card rewards programs |
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| Company Overview:
First Plus Platinum began in 2007, and serves to offer
credit card solutions to consumers with bad credit and
no credit. Their programs include more than 10 credit
cards to choose from, including some with credit card
rewards. They are an online-only company, serving
thousands of customers every year. |
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| Our Review:
First Plus Platinum has some great cards for those who
can’t find approval anywhere else. They make consumers
feel like normal people by offering them the same cards
and programs that good credit customers get from other
lenders. Plus, the website is simple and the customer
service is very helpful. |
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| User Review:
First Plus Platinum offered me a credit card with a
rewards program at no extra charge, which I though was
impossible, given my bad credit. However, they showed me
how easy it could be, and gave me a chance to redeem
myself, which I’m grateful for. |
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Other Top Companies for
Credit Card Rewards : |
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Choosing a Credit Card Rewards Program: |
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There are
dozens upon dozens of credit cards that offer rewards
programs for consumers. Finding these cards isn’t a
complicated matter, but choosing the right one could be.
There are a few things that you should consider when it
comes to choosing a credit card rewards program,
including the type of rewards and how often they are
earned. For example, if you are looking for a mileage
rewards card, you’ll have different options than if you
were looking for a cash rewards program. Take the time
to find companies that offer credit card rewards
programs, and compare the different cards that they
offer. Mileage cards generally add up based on X amount
of miles earned per dollar spent. Cash reward cards are
often based on a percentage of the sales or even
selected purchases that the card is used for. For
example, shopping at a specific list of retailers might
elicit cash rewards of 5% for your credit card rewards
program, while shopping at other stores earns you
nothing. Or, you could earn points based on the money
you spend, like the Chase Debit Card Rewards program.
Every dollar spent is worth one point, and the points
add up to be redeemed in the form of gift cards from a
variety of stores. Earn enough points, and you can even
get a Visa debit rewards card that you can use anywhere
you’d like. Credit card rewards programs are all a
little different, so you’ll have to take the time to
check them out and find what suits you best. One final
note to keep in mind: don’t sign up for a rewards
program that you have to pay an annual fee for, unless
the rewards are greater than the fee. There are plenty
of free credit card rewards programs out there that you
can choose from instead.
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