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Racking Up Credit Rewards
Table of Contents
  1. Introduction to Rewards Cards 4
    1. What is a Rewards Card? 4
      1. Cash Back or Fixed Value Cards 4
      2. Co-Branded Credit Cards 5
      3. Transferrable Points Programs 5
    2. Who is Eligible? 5
  2. What are the Different Types of Rewards Cards 6
    1. Cash Back Credit Cards 6
    2. Air Miles/Travel Rewards Cards 10
    3. Points Reward Cards 12
    4. Merchant Specific Rewards Cards 13
  3. Special Interest Credit Cards 14
    1. Business Credit Cards 14
      1. What to Look for in a Business Credit Card 14
    2. Military Credit Cards 15
    3. Charitable Giving Cards and Programs 16
  4. How do Rewards Programs Work? 18
    1. Redeeming Rewards 18
      1. Cash Back 18
      2. Statement Credits 18
      3. Redeem for Previous Purchase 18
      4. Airline Miles 19
      5. Gift Cards 20
      6. Transfer into a Program 20
      7. Donate or Give Away Points or Miles 21
      8. Merchandise 21
    2. Program Considerations 22
  5. How to Find and Get the Most Out of a Rewards Card 23
    1. Which One is Right for Me and How Do I Pick? 23
      1. Know What You're Working With 23
      2. Determine What Type of Credit Card You Need 23
    2. How to Maximize Rewards 24
  6. Conclusion 25