ask our credit expert a question Previous Questions and Answers

Credit Cards > Rewards Programs

 
 

what is the best card for plane travel rewards?

- Asked Aug 9 , 2017

 

Some of our top travel rewards cards include the Discover it® Miles, the Chase Sapphire Preferred® Card, and the Capital One® Venture® Rewards Credit Card. Check out all of our top credit cards for airline and travel rewards!

 
 

Hi, I currently have two different Chase Southwest Airlines Premier Visa and credit rating of 820. I pay off in full every month. They have yearly fees of $99 each. I got the second one a few years ago for the bonus points. I should probably cancel one because of the yearly fee. How do they compare to the cards you usually recommend as far as points earned and used? Thank you.

- Asked Aug 8 , 2017

 

You're right - if you have two identical cards and are paying fees on both, it is probably smart to cancel the more recent one (to limit the temporary impact on your credit score) - just make sure you can consolidate all of your points from both cards onto your one account. With excellent credit, you are eligible for some great travel rewards and cash back cards. For example, the Chase Sapphire Preferred® Card has a sign-up bonus of 50,000 points, 10,000 more than the Southwest card. Furthermore, the points on the Chase Sapphire Preferred® Card are much more flexible than the Southwest card - they can be transferred to any Chase Ultimate Rewards travel partner. When you use these point on travel purchases, you get 1.25 cents per point instead of 1 cent per point, a 25% edge over the competitors. There are plenty of other options if you prefer being loyal to one airline in particular, or if you'd rather a cash back card. Let us know if you have any more questions!

 
 

I have Capital one Quiksilver & Discover , i dont know which one is the best option for me, can you help me?

- Asked Aug 8 , 2017

 

Both cards are fairly similar in terms of the $0 annual fee and the lengths of the intro APR rates, but the rewards rates on each card are different. The Capital One® Quicksilver® Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase, while the Discover it® card offers 5% cash back in rotating categories and 1% cash back on everything else. Basically, if you are able to keep up with the rotating categories and make the most of them, the Discover it® card is the better option - if you've only recently gotten the card, Discover will also match your rewards after your first year of membership. If you would like a more consistent cash back system, the Quicksilver is the better option. Let us know if you have any more questions!

 
 

I am starting a new job. I am in Sales in International Logistics. My company is asking me to use a credit card for my travel air fare, hotels, and client amenities (fine dining, sporting events, music venues, Broadway, ect...) My new company will reimburse me weekly to pay for all my business expenses on this new credit card I'm looking to obtain. My Salary is $175k plus commission/benefits. Please send me "multiple options" to determine what will benefit me the most. Thank you , Miller M Deaton

- Asked Aug 6 , 2017

 

Depending on your credit, there are some great options to turn your business purchases into great rewards. Since it seems as if you'll be traveling a lot, the Chase Sapphire Preferred® Card is a great option because you'll earn miles on all purchases. This card is also great because its miles can apply to many different airlines and hotel companies, making it very flexible. If you're loyal to one specific airline, it would be better to apply for a card such as the CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®, which earns you tons of miles for American Airlines. If you'd rather get tons of perks such as complimentary hotel stays and free use of airport lounges, the The Platinum Card® from American Express is a great option - even though it has a pretty high annual fee, the amount of rewards you earn makes the card worthwhile.

If you'd rather a cash back card over a travel rewards card, the Citi® Double Cash Card – 18 month BT offer earns you cash back as you buy and as you pay off your balance, all with no annual fee. Hopefully some of these options fit your preferences, please let us know if you have more questions!

 
 

Does the capital one credit card offer gift cards as rewards

- Asked Aug 5 , 2017

 

Yes, you can redeem your rewards in the form of gift cards.

 
 

My credit score is 685 pay all my cards on time what is the best one low Apr

- Asked Aug 3 , 2017

 

For people with good credit, the best APR offer cards are definitely the Citi Simplicity® Card - No Late Fees Ever and the Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases. These cards give you 0% APR for 21 months on both purchases and balance transfers, which is practically unbeatable. As far as long-term APR rates, most credit cards offer a range of interest rates between 12-24%, all depending on your creditworthiness. The more you continue to build your credit, the better APR rates you'll be approved for, so be sure to continue to pay on time!

 
 

I have a 697 credit score. What card is best for 0% length and best cash back? I want to use this card instead of using my debit card.

- Asked Aug 3 , 2017

 

For people with good credit, the best APR offer cards are definitely the Citi Simplicity® Card - No Late Fees Ever and the Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases. These cards give you 0% APR for 21 months on both purchases and balance transfers, which is practically unbeatable. As far as rewards go, the Capital One® Quicksilver® Cash Rewards Credit Card offers 1.5% back on every purchase, with a 9 month 0% intro APR and no annual fee. The Capital One® Venture® Rewards Credit Card is great for travel, offering a 40,000-mile signup bonus and 2 miles per dollar spent. As a precaution, these cards all accept good to exellent credit, but continually building your credit score until it's excellent is very important to make sure that you are approved for the cards you want. Credit card companies naturally want customers with better credit, so the better your credit is, the more likely it is that you'll be approved.

 
 

With a credit score of 590, which card would be the best. Giving the consideration that I'm an uber driver what card would be the best for gas rewards/discounts

- Asked Jul 31 , 2017

 

For cardholders with fair credit looking for extra rewards on gas, we suggest either the Capital One® QuicksilverOne® Cash Rewards Credit Card, which offers 1.5% cash back on every purchase, every day, or the Discover it® Cashback Match™, which offers 5% cash back in rotating categories as well as unlimited 1% cash back on all other purchases. Neithe of these cash back cards specifically reward gas purchases, but they are the best rewards cards on the market for people with fair credit. If you are able to keep building your credit score, you'll be eligible for even better rewards cards, like the Blue Cash Preferred® Card from American Express which offers 6% cash back at supermarkets, 3% back on gas, and 1% back on every other purchase.

 
 

What card do you suggest if I have a credit score of 700, and I'm interested in travel rewards?

- Asked Jul 11 , 2017

 

With a credit score of 700, your credit is considered "good" and you have a pretty good chance of getting approved for many top travel rewards credit cards. Check out our travel rewards credit cards page to see all of the best options! A few of the most popular options are the Capital One Venture, the Discover it Miles, and the BankAmericard Travel Rewards. All of the cards come with big sign up bonuses, generous rewards rates, and flexible travel rewards that are easy to redeem.

 
 

I'm getting married in two months. I maxed out two of my credit cards. I need additional credit to pay off the remaining wedding bills. I would realistically like to transfer the balance on one of the cards to the new card to take advantage of the 0% interest. After I pay them off, I'd like to continue to use the card to take advantage of the rewards. Should I go Quicksilver? Let me know what you recommend. Thank you!

- Asked Jun 30 , 2017

 

If you're looking for a card with a long introductory APR on balance transfers as well as a generous rewards program, two excellent options would be the Citi® Double Cash Card – 18 month BT offer and the Discover it® - 18 Month Balance Transfer Offer. Both cards come with extremely long intro APRs for balance transfers and offer some of the best cash back rewards rates on the market!

 
 

If you get one of those cards that give you 40,000 miiles bonus when you spend $3,000 in 3 months, do you also receive points for the $3,000 you spend in those 3 months??

- Asked Jun 19 , 2017

 

Yes! Generally speaking, when credit cards offer sign up bonus for hitting a certain spending threshold, the bonus points with be in addition to the points you earn on the purchases you made to hit that threshold.

 
 

I have a credit score of 827 and want a credit card with the largest bonus in cash if I spend up to $5,000 in the first 90 days of opening a credit card Acct. the highest cash back when I pay my bill AND when I purchase things, NO annual fee, 18/24 months interest free, AND any other perks that might enhance the card.

- Asked Jun 2 , 2017

 

There are a number of great rewards credit cards that might be a good fit for your based on the qualifications you described. One would be the Discover it Cashback Match – this card offers excellent rewards rates on your spending and comes with a unique sign up bonus that will double all the cash back you earn in the first year. It also has a very attractive intro APR.

 
 

I have a credit card with 1% cash back. My credit score is 837. What is the best card?

- Asked May 21 , 2017

 

Receiving 1% cash back is no longer a competitive rewards rate. Check out our cash back credit cards page to see all the best options! One great choice is the Citi Double Cash which offers 1% on purchases and an additional 1% on payments. Also, the Discover it Cashback Match offers 5% cash back in rotating categories and unlimited 1% on all other purchases.

 
 

From someone invested with Fidelity Investment Co. with excellent credit, which of these two cards is the best choice CASH Rewards cards and why? Citi Double cash Card & Fidelity Rewards Visa Signature Card

- Asked Mar 9 , 2017

 

If you already have a Fidelity Investment account then the Fidelity Rewards Visa Signature Card is probably the better choice because while both cards offer similar cash back rates, the Fidelity Rewards Visa Signature Card offers a $100 sign up bonus after you spend $1,000 in the first 90 days whereas the Citi Double Cash does not offer a sign up bonus.

 
 

I am looking for the maximum cash rewards card with no annual fee.

- Asked Feb 25 , 2017

 

Getting the most cash back from your credit card will depend on how you spend your money. For example, if you spend a lot on gas and groceries, the BankAmericard Cash Rewards would be a great fit. Another great all-around option is the Discover it Cashback Match which offers 5% cash back in special rotating categories plus unlimited 1% cash back on everything else. For new cardmembers, they will double all of the cash back you earn in your first year! Check out our cash back credit cards page to see all of the best options!

 
 

We are going on about a 3 week traveling trip. I want a card with no interest rate for Year or so and since will be charging for hotel, food, gas etc want to get rewards for our expenses. We will not fly or go overseas so rewards back in cash, gas or hotels. Thank you

- Asked Feb 24 , 2017

 

There are multiple credit cards that offer cash back rewards and 0% intro APR on purchases for 12 months or longer that would be a good fit for you. It sounds like the BankAmericard Cash Rewards would be a great fit as it offers 0% intro APR for 12 billing cycles as well as 3% cash back on gas, 2% on grocery stores and 1% on everything else. A few other cards that offer 0% intro APR and nice cash back programs are the Discover it Cashback Match, Chase Freedom Unlimited, and the Wells Fargo Cash Wise Visa Credit Card.

 
 

My credit score is 750 and I am looking for a good credit card with no annual fee and no foreign transaction fee and also a good money back in first three months. thanking you in advance joji

- Asked Feb 17 , 2017

 

A few great credit cards that offer no annual fee, no foreign transaction fees, and great rewards rates with big sign up bonuses are the Capital One Quicksilver Cash Rewards Credit Card, the Capital One VentureOne Rewards Credit Card and the BankAmericard Travel Rewards Credit Card.

 
 

What is the best gas credit card available? No annual fee. My credit score is 800 plus.

- Asked Dec 29 , 2016

 

Perhaps the two best gas credit cards would be the BankAmericard Cash Rewards and the Wells Fargo Propel American Express Card. They both offer 3% back on gas purchases as well as bonus points in other categories like dining and groceries. They also both come with no annual fee and a nice 0% intro APR!

 
 

What card offers the most rewards with no annual fee?

- Asked Aug 17 , 2016

 

To choose the credit card that offers the most rewards, you will have to consider what you spend the most money on. For example, if you spend a lot on gas, the BankAmericard Cash Rewards would be a great option. If you spend a lot on groceries, consider the Blue Cash Everyday Card from American Express. The Citi Double Cash is a very popular card for consumers who are looking to earn the most rewards on every purchase; this card offers 1% cash back on purchases and another 1% cash back on payments. 

 
 

Hi there, I am looking to get a credit card to get airline miles for a trip we have coming in May. I was considering getting the Discover Miles Credit Card because I like the no annual fee, the matching of miles and the 1.5 miles earned per dollar spent. Will we get miles by the May timeframe though if we choose to get this card? What do you think about this card or do you have another card we should consider instead? Thank you!

- Asked Aug 11 , 2016

 

The Discover it Miles is an excellent travel rewards credit card that could certainly help you save a lot of money on your upcoming vacation! With this credit card, the miles you've earned during each billing cycle will be posted to your account once that billing cycle ends – so you will have many months to accumulate miles before your trip. If you're looking for a no annual fee travel rewards credit card, the Discover it Miles is certainly one of the best. One other card that is worth comparing is the BankAmericard Travel Rewards which also offers 1.5 points per dollar spent. The only major difference between these two cards is that the BankAmericard Travel Rewards has a fixed sign up bonus of 20,000 points after you spend $1,000 in the first 90 days.

 
 

We currently do not own a credit card, but have really good credit. We would use it for mainly gas and groceries (Wal Mart) and just thought the cash back would help get some of our money back. The balance will be paid off every month. Wasn't sure which cash rewards were the best for our situation.

- Asked Aug 10 , 2016

 

The Citi Double Cash would be an excellent option for you as it offers 1% cash back on purchases and another 1% cash back when you make a payment. There is also no annual fee. While some cards like the BankAmericard Cash Rewards offer extra cash back on gas and groceries, Wal-Mart does not qualify as a grocery store. For this reason, the Citi Double Cash would probably be the best card for you as you earn the same great rewards rate on all purchases.

 
 

I have excellent credit and we are looking for the best "cash back" VISA card with low interest fees and no annual fees/foreign fees. We will be traveling frequently with occasional overseas travel. We do plan to pay off the balance monthly. We do want the cash back on All purchases. Thank you.

- Asked Aug 6 , 2016

 

It sounds like the best card for you would be the Capital One Quicksilver Cash Rewards Credit Card. This card comes with unlimited 1.5% cash back on all purchases and there are is no annual fee and no foreign transaction fees.

 
 

Best credit card recommendation for my husband & I? We have excellent credit, monthly amount charged on current card is between $4,000 - $6,000 and is paid off in full each month. Not interested in travel rewards; interested in cash back rewards that have no expiration date. We use our credit card for every purchase we can each month. Thank you.

- Asked Jul 11 , 2016

 

If you're looking for the credit card that will give you the most cash back on all purchases, check out the Citi Double Cash. This card has no annual fee and it gives 1% cash back when you make a purchase, and another 1% when you make a payment, making it the best flat-rate cash back credit card. If you do a large amount of spending in one category, you should look for a card that offers bonus cash back on that spending. For example, if you spend a lots on groceries, the Amex Blue Cash Preferred offers 6% cash back at US supermarkets. If you spend a lot on gas, the BankAmericard Cash Rewards offers 3% on gas with no annual fee.

 
 

Are medical or dental expenses considered purchases for rewards purposes.?

- Asked Jul 10 , 2016

 

The purchases that qualify for earning rewards will vary by credit card, but in most cases medical expense will count towards earning rewards. Typically, the only transactions that do not qualify for rewards or cash back are things that are considered "cash equivalents" like balance transfers or cash advances. You can check with your credit card provider for specific questions about which transaction qualify for rewards.

 
 

Good morning! I am looking for a card that has fraud protection, great and easy rewards program and a low interest rate. Any recommendations?

- Asked Jul 9 , 2016

 

There are a number of credit cards that meet the requirements you're looking for. The Discover it Card currently has one of the most rewarding cash back programs on the market, and it also comes with 0% intro APR for 12 months. The Wells Fargo Cash Wise is another great option that comes with an unlimited 1.5% cash back on all purchases and 0% intro APR on purchases and balance transfers for 15 months. Both cards have no annual fee and $0 Fraud Liability.

 
 

What is the best card when I mostly buy gas, eat at restaurants?

- Asked Jul 2 , 2016

 

The Wells Fargo Propel American Express Card offers bonus points on gas and restaurant spending. With this card. you'll earn 3x points on gas, 2x points at restaurants, and 1x points on all other purchases.

 
 

I have excellent credit & interested in a VISA/MC/Discover card that gives the best cash-back rewards in the following categories: Restaurants; Gasoline; Groceries & Wholesale Clubs. I want no annual fee & have all reward categories fixed (not changing each quarter or any other period).

- Asked Jun 19 , 2016

 

It sounds like the best options for you would be the BankAmericard Cash Rewards. This card comes with 3% cash back on gas and 2% at grocery stores and wholesale club for up to the first $2,500 in combined gas grocery/wholesale club/gas purchases each quarter. The BankAmericard doesn't offer any bonus cash on restaurant spending, but it does come with $100 online cash rewards bonus after you spend $500 in the first 90 days.

 
 

FICO score is 816, been up there for years. I am interested in some card that gives me cash back consistently. I always pay my cards in full each month. I am in the process of changing banks from bank of America to centennial here in Kerrville TX.

- Asked Jun 18 , 2016

 

With a credit score in the 800s, you should be able to get approved for any card you choose. The Citi Double Cash is an excellent option for cash back as it offer 1% cash back on purchases and another 1% when you make a payment. The Discover it is another great choice because Discover will match all the cash back you earn in your first year. Be sure to check out all of the options on our cash back credit cards page!

 
 

I currently have another airline travel card with airmails. Can I transfer the miles to another card? i.e.: The BOA travel Rewards Card.

- Asked Jun 14 , 2016

 

You will not be able to transfer your airline miles from any airline frequent flyer programs onto the BankAmericard Travel Rewards Credit Card. However, the miles you earn with the . However, the miles you earn with the BankAmericard Travel Rewards can be redeemed for flights on any airlines with no blackout dates! There's also no annual fee with this card, and you earn an unlimited 1.5 points for every dollar spent.

 
 

i have excellent credit. i need to make a purchase of $5000. Is there a card that offers 0% finance charge on purchases for at least 12 months preferably longer as well as cash back on purchases? i won't be doing any balance transfers.

- Asked Jun 12 , 2016

 

Yes, there are a few cards that offer 0% APR for 12 months or longer on purchases and give cash back. If you know that you'll have the capacity to pay of your balance within the intro period, this is a great way to finance a big purchases and earn some cash back at the same time! Perhaps the best option would be the Chase Freedom Unlimited Card. You'll earn an unlimited 1.5% cash back and a $150 bonus after spending $500 with the card in the first 3 months. Plus, there is 15 months with 0% APR and no annual fee. 

 
 

I have EXCELLENT 20 year credit history. Looking for a card that pays BEST cash back for education related expenses. (to pay College tuition/books while in graduate program pursuing masters degree) Thanks!

- Asked Jun 8 , 2016

 

There are no credit cards that offer bonus rewards for education related expenses, so you should look for a credit card that has the best rewards rate on everyday purchases. The Citi Double Cash is a great place to start because it comes with 1% cash back  when you make a purchase and another 1% cash back when you make a payment. If you're looking for travel rewards, the Capital One Venture also has a great rewards rate.

 
 

I'm comparing Discover It Miles, Bank of America Travel Rewards, and Capital One VentureOne. And I'm wondering what the difference is between points and miles? And how many points/miles are used, for lets say a $700 plane ticket?

- Asked Jun 7 , 2016

 

The three cards you've mentioned are all very similar and have basically the same redemption structure. For these three cards, points and miles are worth 1 cent apiece, so for a $700 plane ticket, you would need 70,000 points or miles.

 
 

We have very good credit,do not keep any balance no matter how much we purchase. We only fly once a year or less. Looking for the right card for us.

- Asked Jun 6 , 2016

 

If you never carry a balance, then you should definiltey apply for a good rewards credit card. If you're looking for cash back, the Citi Double Cash is a great option as it comes with 1% cash back when you make a purchase, and another 1% cash back when you make a payment. For travel rewards, the Capital One Venture is a great option as it comes with 2x miles on all purchases and a generous sign up bonus of 40,000 miles after you spend $3,000 in the first 3 months.

 
 

I currently have 1% cash back card, spend around $50,000 annually on my credit card, travel a few times per year - hate to pay annual fees, but willing to if the rewards are great - any suggestions - credit score 800+

- Asked May 25 , 2016

 

A rewards rate of 1% is no longer a competitve rate. With an 800+ score you can get approved for any offer you'd like. If you'd like a flat rewards rate, the Citi Double Cash is the best option for no annual fee and cash back. You'll earn unlimited 1% back when you purchase and 1% when you pay for those purchases. If you want  travel rewards, the Capital One Venture offers a great rewards rate, sign up bonus and flexible redemption. You'll earn a rewards rate of unlimted 2X miles on every dollar purchased, a sign up bonus of 40,000 miles when you spend $3,000 in the first 3 months, and you'll have the ability to redeem your miles however you'd like. There is a $59 annual fee, but the sign up bonus alone is worth $400 in travel making the annual fee well worth it.  

 
 

I have a Discover card and an American Express card and both allow me to redeem my rewards points at Amazon.com. Do any of your cards that give rewards points allow redemption at Amazon.com?

- Asked May 23 , 2016

 

All of our Chase Ultimate rewards cards offer point redemption at Amazon.com. This includes the Chase Freedom, Chase Freedom Unlimited, Chase Sapphire Preferred Card, Ink Plus and Ink Cash. The program is quite simple, all you have to do is link your Chase card to your Amazon account and when you start shopping points are immediately redeemed. Plus you have control over the amount of points you want to redeem. The Chase Freedom and Chase Freedom Unlimited are cash back credit cards, while the Chase Sapphire Preferred Card is geard towards travel rewards. The Ink Plus and Ink Cash are both business credit cards, the Ink Plus offers rewards points for purchases and the Ink Cash offers cash back for purchases.  

 
 

Looking for the best restaurant card with most generous rewards like 3 %

- Asked May 16 , 2016

 

The Discover It Cashback Match with No Annual Fee offers 5% cash back on categories such as dining and gas, plus 1% cash back on all other purchases. There's no annual fee but you'll need Good to Excellent credit in order to qualify for this card. Citi Double Cash earns 2% cash back on all purchases, 1% when you buy and 1% pay for those purchases and there's no annual fee. 

 
 

I have a credit score 673, I want to know which credit rewards card can I get?

- Asked May 2 , 2016

 

With a score in the upper 600s, your credit is considered good, but not excellent. Check out the credit cards for good credit page to see all the options! The Citi Double Cash and the Chase Freedom are both great cash back credit cards that you have a good chance of getting approved for.

 
 

I am looking for a Card that has 0% for 10-18 months. I want the card to have no transactions fees while using it in Europe, on vacation. Ideally, I would earn travel miles as I use it.

- Asked Apr 25 , 2016

 

Based off what you're looking for, the BankAmericard Travel Rewards would be the perfect card for you. This card comes with 0% intro APR for 12 billing cycles on purchases and balance transfers, no foreign transactio fees, and it's processed by Visa so it should be accpected almost anywhere that takes credit cards. There is also no annual fee and you will earn 1.5 miles for every dollar you spent. Finally, you can can earn 20,000 bonus miles, worth $200 in travel after you spend $1,000 on purchases in the first 90 days.

 
 

The description says you collect points for purchases, does paying everyday expenses count, i.e. water bill, phone bill, electric bill?

- Asked Apr 25 , 2016

 

If your service provider allows you to make payments with a credit card, then you should definitely be able to earn points on your water bill, phone bill electric bill etc. The only things you will typically no earn rewards are would be "cash equivalent" transactions. This can include, but is not limited to, balance transfers, cash advances, purchasing gift cards & money orders, etc. See the terms and conditions of your credit card for more specifics. 

 
 

Is the Capital One Venture Card a MasterCard or Visa? I want to know if it will be accepted at Sam's Club, for example.

- Asked Apr 5 , 2016

 

The Capital One Venture is a Visa credit card, so it will not be accepted at Sam's Club as they only take American Express and MasterCard. A similar option is the Citi Double Cash which comes with 2% cash back and it a MasterCard.

 
 

I'd like to apply Cashforward of Barclaycard, but I don't know how does it work? Please give me more information or give me your advice Thanks Thu

- Asked Apr 1 , 2016

 

The Barclaycard CashForward World MasterCard is a solid cash back credit card that comes with no annual fee. With this card, you'll earn a flat cash back rate of 1.5% on every purchase. There is also a $100 bonus after you spend $500 with the card in the first 90 day. To see how this credit card compares to other cash back cards, read the full review on our blog!

 
 

Regarding the Citi Double Cash Reward card: If I transfer a balance, will I receive the 1% as I pay it down? Or is the 1% only for PURCHASES?

- Asked Mar 15 , 2016

 

Great question! Balance transfers will not earn cash back with the Citi Double Cash. In the terms and conditions of the Citi Double Cash application, it states that  you will earn rewards on "purchases and payments made based on those purchases." This means that payments for purchases made with another credit card and then transferred onto your Citi Double Cash will not be eligible for earning rewards.

 
 

The cards I have are with a very low limit. I have good credit trying to build it better. I would like a card with cash back no fees and @ least $400. Is there one available for me?

- Asked Mar 7 , 2016

 

If you have good credit, then you shouldn't have any problem getting approved for a cash back credit card with no annual fee. I would recommend the Chase Freedom card which offers 5% back on rotating categories each quarter like gas, groceries, and dining. It also gives 1% cash back on all other purchases and comes with no annual fee.

 
 

I am looking for credit card that after I buy something, or use not a large amount, can get a Gift Card, Voucher, for like $100.00 to Amazon, Walmart, etc. I have excellent credit, and I am looking for one like that. I have a certain Discover card, that I got, $100.00 Amazon Credit. Is there any card out now that I can do that? Thank You, John Myers

- Asked Feb 8 , 2016

 

There are many rewards credit card that allow you to redeem your points for gift cards to Amazon, Walmart, and many other retailers. If you're looking for a card with a good sign up bonus, the Chase Freedom gives new cardholders $150 cash back after they spend $500 in the first 3 months. 

 
 

Hello, I have a great credit score (700+). I am looking for a card that gives out great rewards for not spending a whole lot. I am specifically looking into the Chase Sapphire Preferred. It seems to give me 2x it air and dining which I like. I would also like a card that can help out with Gas. I was just wondering your thoughts. Thanks.

- Asked Feb 7 , 2016

 

The Chase Sapphire Preferred is an excelelnt credit card and I wouuld highly recommend it if you are looking for travel rewards. It currently offers one of the best signup bonuses on the market; 50,000 bonus points after new cardholders spend $4,000 on the card within the first 3 months. You can redeem your points with the Chase Sapphire Preferred in a number of ways be either booking travel through the Chase portal or transferring your points to one of their many travel partners. Because you can choose from different ways to redeem you ponits, this card offers much more flexilibity that cards that are only affiliated with one airline or hotel.

 

If your looking for gas rewards, the BankAmericard Cash Rewards is one of the best as it offers 3% cash back on gas, 2% on groceries and 1% on all other purchases.

 
 

Just got Capital One Venture. Have to spend $3000 in first three months to get 40,000 points. Can't think of big ticket item, so can I charge my mortage?

- Asked Feb 1 , 2016

 

You cannot charge your mortgage, but there are some other things that you can do. For example, you can try to charge your home or car insurance, and even your utilities. Other bills that you can charge to your credit card include those for medical expenses, college tuition, and health insurance. If you have the money, you can even look into paying some of these bills early, but it would not be a good idea to incur interest charges in order to meet the minimum spending requirements. 

 
 

My name is Tom, and I have excellant credit. I usually pay cash for me or my wife's purchases. Friends are telling me that I should get a credit card with cash back rewards. Could you recommend a card?

- Asked Jan 31 , 2016

 

A good cash back credit card to start with is the Discover It . This card features 1% cash back on all purchases, and 5% cash back on up to $1,500 spent each quarter on select categories of pruchases that change each quarter such as gas, groceries, and department stores. This card has no penalty interest rate and your first late payment fee is waived automatically. There is no annual fee for this card.

 
 

My credit score is 685, due to a divorce and stolen identity my score is low. What kind of credit card would have a low Apr, no annual fees as well as cash back for every dollar I spend?

- Asked Jan 18 , 2016

 

You could try applying for the Discover It Card , which offers 0% introductory APR financing for 12 months, has no annual fee, and offers rewards for your spending. The standard Discover it card offers 5% cash back on up to $1,500 spent each quarter at featured retailers, and 1% cash back on all other purchases. 

 
 

Please suggest a cash back credit card that actually sends checks as opposed to crediting the credit card or a bank account. Our small business has excellent credit.

- Asked Jan 7 , 2016

 

The Capital One Spark Cash for Business card offers 2% cash back on all purchases, which can be redeemed in the form of a check, as can the rewards from all of the Capital One cards that offer cash back. In addition, the Discover card also offers cash back rewards in the form of a check.

 
 

Are there any credit cards that can be use to pay house mortgage and in turn get reward points? or perhaps a car payment?

- Asked Dec 28 , 2015

 

Unfortunately, loan payments must be made by cash or check, not by credit card. There are some third party services that will accept credit card payments towards home mortgages or car payments, but they will charge a fee that of over 2%, which will be greater than the amount of rewards you can earn from any credit card.

 
 

For the Citi ThankYou Cards, when earning the cash back does 1 point equal 1 dollar? So if I have 250 points, could I assume I'd be getting $250? Also, if I were to "cash in" my points, do you get a check? What percent of my points turns into cash for student loans?

- Asked Dec 27 , 2015

 

Citi ThankYou points are earned by cards such as the Citi ThankYou Preferred, the Citi ThankYou Premier, and the Citi Prestige cards and are worth one cent each towards gift cards, merchandise, travel, or loan repayments. While you can't cash out your points directly, you can call to request a check to pay down a student loan, car loan, or mortgage. When redeeming points for loan reimbursements, they are still worth one cent each, so 250 points is worth $2.50.

 
 

How do we purchase advance tickets for Adele in July on our American Express Gold Card.

- Asked Dec 16 , 2015

 

Call the number on the back of your card and ask to be transferred to their Entertainment Access program concierge. This service offer exclusive access to ticket presales and Card Member–only events in a city near you. Check out Broadway shows and concert tours, family and sporting events. Hopefully, they still have tickets left for this event in your area.

 
 

Is it better to get a card that pays cash back vs hotel points if you put almost all expenses on the card? Thank you, Eric

- Asked Nov 20 , 2015

 

This depends on how you will be using the card, and the rewards. If you spend a lot of money at hotels, a hotel card will be good as it will offer bonus rewards at the hotels. And if you are spending a lot of money on hotels, using hotel reward points to offset this expense could possibly be more valuable than cash back rewards. But for most people, cash back rewards will be more valuable. For example, Citi offers its Double Cash card that features 2% cash back on all purchases, which is more valuable to most people than hotel points.

 
 

What is the best credit card for cash back rewards?

- Asked Nov 7 , 2015

 

There is no single best card for cash back rewards. Instead, you should search for the card or cards that best meets your needs. Good candidates include the Citi Double Cash card, which offers a total of 2% cash back on all purchases, with no annual fee. The Amex Blue Cash Preferred offers 6% cash back on up to $6,000 spent each year at supermarkets, 3% cash back at US gas stations and department stores, and 1% cash back on all other purchases. However, this card has a $75 annual fee. You might also consider the Chase Freedom and Discover it cards, which both offer 5% cash back on up to $1,500 spent each quarter at select categories of merchants.

 
 

My credit score is over 800, but I just bought a house. I don't keep a balance. I have no perks on my card and it has a high interest rate. I need to make some purchases and would like shopping perks and gift cards. I don't travel much not looking for miles. I have only found the Citi thank you card. Anything else I should compare?

- Asked Oct 31 , 2015

 

You have excellent credit and can be approved for any card that you apply for. I would recommend a card like the Citi Double Cash, which offers 2% cash back on all purchases, with no annual fee. Another card worth considering would be the Discover It card, which offers 5% cash back on up to $1,500 spent each quarter on featured merchants, and 1% cash back on all other purchases. Both of these cards come with outstanding shopping protection policies such as price protection, extended warranty, and purchase protection plans.

 
 

I'm using a credit card that has 1% cash back on all purchases. I'd like one that will give me more. I do carry a balance, and never pay interest. My FICO SCORE is 817 (the other 2 are also in the 800's). What's the best card for me? Thanks!

- Asked Oct 24 , 2015

 

1% cash back is no longer a competitive rate of return. You could apply for the Citi Double Cash card, which offers 2% cash back on all purchases, within no annual fee. Another option would be the Blue Cash Preferred Card from American Express, which features 6% cash back on up to $6,000 of annual purchases from US grocery stores, 3% cash back from gas stations and select department stores, and 1% cash back on all other purchases, but it does have a $75 annual fee.

 
 

Everybody wants to take money directly out of your checking or credit card to pay for every day bills even utility bills, examples are trash pick up, electric, gas and water. Will I get cash back on these charges?

- Asked Oct 20 , 2015

 

If you are able to arrange bill pay from your credit card, then it should be eligible for cash back. However, any funds taken by direct withdrawal from your checking account will likely not receive any cash back rewards. That is one reason why many cardholders will setup automatic bill payment of their utilities from their credit cards.

 
 

I am looking for a Visa or MasterCard card that has 2% cash back, no foreign transaction fee and no annual fee. Is this possible?

- Asked Oct 18 , 2015

 

Such a card would be an excellent product, but I am afraid that you will have to settle for two out of three. For example, the Citi Double Cash card offers a total of 2% cash back on all purchases, with no annual fee, but it does have a 3% foreign transaction fee. Likewise, there are many cards that have no annual fee or foreign transaction fees, but none of which offer 2% cash back. However, you might consider the Capital One QuicksilverOne card that offers 1.5% cash back, as well as no annual fee or foreign transaction fees.

 
 

I signed up for the $200.00 cashback bonus if I spend $1,500 per month for 5 months starting August. How do I check my progress?

- Asked Sep 14 , 2015

 

You can contact the card issuer and ask them the total of your spending, or you can go online and look at your statements. With these offers, it's important to keep track of your spending in order to ensure that you qualify for the bonus. At the same time, it's also important not to make any unnecessary purchases in order to earn additional cash back.

 
 

Hello, I am planning on taking my family on a trip and would like to get just 1 credit card to pay for it all. I am looking for one with 0% APR for at least 18 months or more with no annual fee, a rewards rate of at least 1%, and if possible, a bonus for signing up-any suggestions as to what card would be good? Thanks so much.

- Asked Sep 1 , 2015

 

While there is no single card that offers all of those things you want, you could find most of them in one card. For example, the American Express Everyday card offers 15 months of interest free financing, a sign-up bonus of 10,000 points, and competitive rewards for spending, with no annual fee. So this card has everything you are looking for, but just a little bit shorter promotional financing period. Another option might be the Citi Double Cash card, which features 15 months on interest free financing, and 2% cash back on all purchases, but no sign-up bonus. The credit card industry can be very generous, but not quite as much as you hoped.

 
 

Which charges are considered to be "purchases"? Specifically, can I pay my mortgage, utilities, and other monthly bills with the credit card, thereby earning points?

- Asked Aug 7 , 2015

 

Purchases are generally considered to be any charge to your credit card, with the exception of cash advances, balance transfers, interest and fees. so if you are able to pay your bills with a credit card, those purchases will earn rewards. While mortgage servicing companies will not accept payments by credit card, there are third party services that will, at a cost. In nearly all cases, the additional cost of these services will be greater than the value of any points received. When it comes to utilities, some will add on a surcharge, which may or may not be worth paying, while others will allow credit card payments with no surcharge at all. In any case, the rewards you earn will only be worth it when you avoid interest charges by paying your statement balances in full and on time, every month.

 
 

I have a American Express Blue Cash Everyday card with no annual fee. Is the Citi® Double Cash card any better? My FICO score is 815

- Asked Jul 8 , 2015

 

The Amex Blue Cash Everyday card offers 3% Cash Back at U.S. supermarkets, (on up to $6,000 per year in purchases then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores; and 1% Cash Back on other purchases. On the other hand, the Citi Double Cash offers 2% cash back on all purchases, with no annual fee. So Citi's card offers rewards that are equal to or better than the Amex at ever location, except grocery stores. 

 

Of course, there is no reason why you can't have both cards, and use the Amex at the grocery stores, gas stations, and department stores, while using the Citi card everywhere else. This is how many reward credit card users earn the most cash back.

 
 

AMEX Green Card Offer. I don't know the difference in AMEX Cards

- Asked Jun 17 , 2015

 

The American Express Green card has been around for decades and is one of their entry level travel rewards card. It currently has an annual fee fo $95, which is often waived the first year under most offers. Cardholders earn one point per Dollar spent on all purchases, and points can be redeemed for travel reservations, merchandise, or gift cards. In addition, points can also be transferred to airline and hotel loyalty programs.

 

As much as this card is a classic, I prefer the Amex EveryDay cards. The standard card has no annual fee, offers double points at supermarkets, and features a 20% points bonus when you make 20 transactions in a statement cycle. The Amex Everyday Preferred card has a $95 annual fee and offers 3x points at supermarkets, 2x points at gas stations, and features a 50% points bonus when you make 30 or more transactions in a statement period. With the opportunity to earn as many as 4.5x points, the EveryDay Preferred is now one of my favorite cards.

 
 

I want a $0 fee credit card that offers cash back, and I pay my balance off every month. I have excellent credit and I am looking for the best cash back credit card.

- Asked Jun 1 , 2015

 

There are several outstanding cash back credit cards with no annual fee. One is the Capital One Quicksilver, which offers 1.5% cash back on all purchases. Also, the Citi Double Cash offers 1% cash back at the time of purchase, and another 1% when payment is made. All of these cards have no annual fee. 

 

In addition, there are reward cards that offer bonus levels of cash back. For example, the Discover It and the Chase Freedom both offer 5% cash back on up to $1,500 spent each quarter on eligible purchases, and 1% cash back elsewhere. Finally, there are cards that offer "miles" that can be redeemed for statement credits towards travel purchases, which is very similar to cash back. The Capital One Venture and the Barclaycard Arrival Plus both offer double miles on all purchases, and each mile is worth one cent towards travel statement credits. Another is the Discover it Miles, which also offers 1.5% as cash back, or statement credits towards travel expenses. 

 
 

What is the billing period for the Citi Double Cash reward card?

- Asked Apr 29 , 2015

 

Like all credit cards, the Citi Double Cash has a monthly billing cycle with a payment due date that will be the same day of the month, each month. In fact, you should be able to choose which date of the month you would like it to be. In addition, cardholders have 23 days after their statement closing date before the bill is due. It's also worth noting that if you pay your entire statement balance on time, then there will be no interest charges.

 

Check out the following articles on our blog to understand more about your statement due date, the grace period, and paying interest:

Understanding the Grace Period

Credit Card Interest

 
 

My credit score is 670, what credit card should I get? I am planning a flight and I shop at Whole Foods a lot.

- Asked Mar 13 , 2015

 

A credit score of 670 is considered good, but not excellent. So your first priority should be improving that credit score to 740 or above. To do this, you will need to pay your bills on-time and carry very little debt. At the same, time you may qualify for a rewards credit card that can offer valuable points, miles, or cash back for the purchases that you would normally make.

 

Considering that much of your spending is at grocery stores, a card that offers bonuses there can be helpful. For example, the American Express Blue Cash Preferred offers an amazing 6% cash back on up to $6,000 spent on groceries each calendar year. This card has a $75 annual fee, but there is a no annual fee version that returns 3% cash back at grocery stores. In addition, these cards both offer 15 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. So if you do have credit card debt, you can avoid interest charges and pay it off sooner.

 

A credit score of 670 is a good place to start, but you can do better. By choosing a card that offers competitive rewards and has 0% APR promotional financing, you can earn cash back while saving money on interest charges.

 
 

I have sterling credit and adequate income and travel internationally only once or twice a year, usually Europe (eastern more than western) and UK. I have a decent Bank of America Visa that absorbs currency exchange fees, and I don't favor paying high annual fees in return for credits for the limited air travel (usually less than 10,000 miles per year). Are there cards I should consider that would credit me for travel as well as daily use in the USA? Many thanks.

- Asked Feb 23 , 2015

 

For the purpose you describe, I really like the Chase Sapphire Preferred credit card, which offers points in their Ultimate Rewards program. Double points are earned from all travel and dining expenses, and one point is earned per dollar spent on everything else. So you will earn double points for not just your airfare, but your hotel, car rental, meals, and even train tickets. And when you are not traveling, you will still receive double points when you eat out.

 

These points can then be transferred to miles with six airlines, points with four hotel programs, or Amtrak Guest Rewards. Or, points are worth 1.25 cents each when used to book travel directly through Chase's online travel service. Finally, there are no foreign transaction fees for this card, so you don't have to worry about paying extra on your trips to Europe.

 

There is a $95 annual fee for this card that is waived the first year, and the current sign up bonus is for 40,000 bonus points after spending $4,000 on the card within the first three months of account opening. So between the first year free, and the sign up bonus worth well over $500, just think of it as having rewards worth more than the annual fee.

 
 

I have had a Capital One Venture Rewards card for six months now, and I don't carry a balance. My monthly statement does not show any rewards of any type. Why?

- Asked Feb 23 , 2015

 

The Capital One Venture Rewards card is one of the most competitive, and popular reward credit cards, and it has been heavily advertised by celebreties such as Alec Baldwin, Samuel L. Jackson, and Jennifer Garner. This card offers double miles on all purchases, and each mile is worth one cent as a statement credits towards travel expenses such as airfare, hotels, and car rentals.

 

But if you have been using your card, and you haven't been receiving rewards, then something is wrong. First, try logging into Capital One's web page to see if there is a rewards balance there. If you cannot find one there, try calling them up and asking some more questions. There could be a simple glitch that is preventing your rewards balance from being updated, and I am sure that they would be happy to help. They don't spend millions of dollars to hire celebrities to attract new cardholders, just to see them leave because they are unsatisfied. 

 
 

My annual fee is due on my credit card, and I am thinking about cancelling it. Will I lose my rewards if I cancel the card?

- Asked Jan 26 , 2015

 

The answer will depend on which type of rewards program your card is a part of. If the rewards are in the form of points or miles with a partner, such as an airline or a hotel loyalty program, then cancelling the card will have no effect on the rewards that you have already earned. If the rewards are with a bank program, then you may forfeit your rewards if you close one credit card account, and do not have another eligible account open. For example, you will lose points in the Membership Rewards program if you close an account used to earn the points, but not if you already have another business or personal credit card account open that is part of this program.

 

One notable exception is the Discover card, which recently announced that cardholders will retain their rewards balance, even if they should close their account. In every case, cardholders should carefully read the terms and conditions of their credit card in order to understand the consequences of closing an account.