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Reward Credit Cards of March 2023

Reward
Apply for an Reward credit card. On 26.03.2023 you have access to 2 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.

Offers: 2

Updated:
19.02.2023
21:52
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

14.49% - 24.49%

Credit Card Online Application of March 2023

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Card limit
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Specify the loan term for the calculation

500 $
15000 $
$
Konstantin T
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Other Credit Cards offers on 26.03.2023

How To Get Reward Credit Cards

1. Fill out your application
1. Fill out your application

On our website you can fill out a short application form for a credit card.

2. Pass a credit check
2. Pass a credit check

We will offer you to check your credit score online for free.

3. Send your application online to the suggested companies
3. Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

4. Wait for a response from the lender
4. Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

5. Get your credit card!
5. Get your credit card!

Sign the agreement and get the card

Apply for a credit card Your data is securely protected

Reviews

Amscot
2.4
Oliver H
Oliver H
15.03.2023 at 06:05
I was surprised that despite earning $120,000 per year, I could only qualify for a payday loan of $300...
Review
Amscot
2.4
James J
James J
28.02.2023 at 09:05
After using Advance America in Holly Hill for the past two years, I decided to try Amscot again, which I hadn't used in years...
Review
Rocket Mortgage
3.6
Asher H
Asher H
25.02.2023 at 20:25
Despite reading many positive reviews about this company, I had an absolutely terrible experience with them...
Review
Amscot
3.2
Mason S
Mason S
25.02.2023 at 04:45
As a first-time customer of this business, I had a positive experience overall. I requested a loan of $500, as I typically do with another company I've been doing business with in Daytona...
Review
Veterans United
4
Isabella S
Isabella S
25.02.2023 at 02:30
Levi and his team at VU provided me with fast and professional service...
Review
Rocket Mortgage
3.4
Olivia S
Olivia S
23.02.2023 at 23:25
I strongly advise against selling your house through this company or letting a friend use their services. They will attempt to take thousands of dollars from you...
Review
Reward Credit Cards of March 2023

What are Rewards Credit Cards?

Rewards credit cards offer cardholders a way to earn rewards for their spending. You can get a rewards card to earn reward dollars, points, or miles per dollar spent. The cards usually allow you to pay monthly cell phone bill, earn rewards on qualifying balance transfers and rental cars booked through the bank's services, and rotating bonus categories.

However, it's important to choose the right rewards card for your needs and to understand the fees and restrictions that may apply. Before applying for a rewards credit card, consider your spending habits and what type of rewards you're most likely to use.

Types of Rewards Credit Cards

Rewards credit cards in the USA are credit cards that offer various benefits to cardholders in exchange for their spending. Here are the most common types of rewards credit cards in the USA:

  • Travel rewards credit cards offer benefits such as discounts on hotels and car rentals, waived foreign transaction fees, and other travel-related benefits for bonus categories. These cards are ideal for frequent travelers who want to earn rewards for their spending on travel-related expenses.
  • Cash rewards credit cards offer cardholders cash back for their spending. Cardholders can earn cash rewards for everyday purchases such as gas, groceries, and dining or for more specific purchases such as travel or online shopping. Cash rewards can be redeemed for cash, statement credits, or merchandise.
  • Point rewards credit cards offer cardholders points for their spending, which can be redeemed for travel, merchandise, gift cards, or other rewards. Points can be redeemed through the card issuer's rewards program or through an affiliated travel or merchandise portal.
  • Hybrid rewards credit cards offer a combination of cash back and travel rewards. These cards allow cardholders to earn both cash rewards and travel benefits, such as discounts on hotels and car rentals or waived foreign transaction fees.

Pros and Cons of Rewards Credit Cards

Pros

  • Enhanced spending power. Rewards credit cards provide cardholders with the ability to earn rewards for their purchases and balance transfers, making it easier to maximize their spending power. You can also get a sign-up bonus on eligible purchase categories.
  • Rewards for eligible purchases. Rewards credit cards allow cardholders to earn cash rewards or other benefits for their eligible purchases. This can provide a valuable return on their spending and help to offset the costs of using credit.
  • Flexible rewards. Rewards credit cards offer a range of benefits and rewards, including cash back, travel rewards, merchandise, and more. This provides cardholders with the flexibility to choose the rewards that best suit their needs and preferences.
  • 0% Intro APR. Some rewards credit cards offer a 0% Intro APR on purchases and balance transfers, which can provide cardholders with a low-cost way to finance their spending and make it easier to manage their debt.
  • Increased security. Rewards credit cards offer the same security features as traditional credit cards, making it easy to protect against fraud and unauthorized transactions.

Cons

  • High interest rates. Rewards credit cards often have higher interest rates than traditional credit cards, making it more expensive to pay a balance from month to month.
  • Annual fees. Some rewards credit cards have annual fees, which can reduce the net value of the rewards earned by the cardholder.
  • Redemption restrictions. Rewards credit cards may have restrictions on how rewards can be redeemed, such as minimum redemption amounts, expiration dates, or limited redemption options.
  • Complex rewards structures. Rewards credit cards often have complex rewards structures, making it difficult for cardholders to fully understand the benefits and rewards they can earn.
  • The temptation to spend more. Rewards credit cards can create a temptation to spend more than you would otherwise, leading to increased debt and potentially damaging your credit score.
  • Ineligibility for some rewards. Some rewards credit cards may have restrictions on the purchases that are eligible for rewards, making it difficult for cardholders to maximize the benefits they can earn.

What are the best rewards credit cards?

You can apply for rewards cards with big US banks, like Chase, Capital One, American Express, and Wells Fargo. The best options are Chase Sapphire Preferred, Discover It Cash Back, Wells Fargo Active Cash card, and the following cash back credit cards.

SavorOne Cash Rewards Credit Card

The SavorOne Cash Rewards Credit Card is a great option for foodies and entertainment lovers.It offers unlimited 3% cash back on dining and entertainment purchases and 2% cash back at grocery stores on combined purchases. There is no annual fee. There are no foreign transaction fees and a 0% Intro APR on purchases and balance transfers for the first 15 months from account opening.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is ideal for travelers.It offers unlimited 2x miles on every purchase and allows cardholders to redeem miles for travel purchases, including hotels and car rentals. There is a $95 annual fee, waived for the first year, and no foreign transaction fees. You can benefit from cars booked through Capital One and make purchases and balance transfers with Capital One's best prices.

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card is a good choice for those wishing to earn rewards on a variety of purchases.

It offers unlimited 3x membership rewards points on dining, gas, rideshare, and travel purchases, as well as eligible streaming services. There is no annual fee, no foreign transaction fees, and a 0% Intro APR on purchases and balance transfers for the first 12 months from account opening.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is a great choice for those who make many everyday purchases.

It offers 6% cash back on US supermarket purchases, up to $6,000 per year, and unlimited 3% cash back on US gas station purchases. There is a $95 annual fee and no foreign transaction fees.

How can You Use Rewards Credit Cards?

Rewards credit cards can be a valuable tool for maximizing your spending and earning rewards for the purchases you make. Here are a few ways to use rewards credit cards in the USA:

  • Hotels and rental cars. Rewards credit cards often offer bonus points or cash back on travel purchases, including hotels and rental cars. This can help you save money and earn rewards for travel expenses. For example, the Capital One Venture Rewards Credit Card has unlimited 2x miles on every purchase, which can be redeemed for travel expenses, including hotels and rental cars.
  • Purchases and balance transfers. Many rewards credit cards offer a 0% Intro APR on purchases and balance transfers for a limited time. This can be a useful tool for consolidating debt or making a large purchase without incurring interest charges. For example, the Wells Fargo Propel American Express Card offers a 0% Intro APR on purchases and balance transfers for the first 12 months.
  • Foreign transaction fees. Rewards credit cards often waive foreign transaction fees, making it more cost-effective to use your card when traveling abroad. This can help you save money on foreign exchange fees and earn rewards on your purchases. For example, the SavorOne Cash Rewards Credit Card offers unlimited 3% cash back on dining and entertainment purchases with no foreign transaction fees.
  • Eligible purchases. To maximize your rewards, it's important to use your rewards credit card on eligible purchases. This could include everyday expenses such as gas, dining, and groceries, as well as travel and entertainment expenses. For instance, the Blue Cash Preferred Card from American Express has 6% cash back on US supermarket purchases and unlimited 3% cash back on US gas station purchases.

How to Get Rewards Credit Cards?

Getting a rewards credit card in the USA is straightforward, but it's important to understand the steps involved and what to look for in a card. Here are the steps to follow:

  1. Review your credit. To get a rewards credit card, you'll need to have good to excellent credit. Before you apply for a card, review your credit report and make sure your score is in good standing. You can receive a free copy of your credit report once a year from each of the three credit bureaus.
  2. Compare rewards cards.Once you've reviewed your credit, it's time to compare rewards credit cards to find the one that's right for you. Look for a card that offers the rewards you're interested in, such as cash back, miles, or points. Also, consider the card's annual fee, interest rate, and foreign transaction fee.
  3. Apply for a card. When you've found a card that you like, it's time to apply. You can usually apply for a rewards credit card online in just a few minutes. During the application process, you'll be asked to provide personal information, employment information, and your Social Security number.
  4. Wait for approval. Once you've submitted your application, it's time to wait for the approval. It usually takes a few days to a week to hear back from the issuer. If you're approved, the issuer will send you your card in the mail, along with instructions on how to activate and use it.
  5. Start earning rewards. Once you've activated your card and made your first purchase, you'll start earning rewards. Make sure to use your card regularly and pay your bill on time to maintain good credit and maximize your rewards. You can redeem rewards for statement credit, cash back at U.S. supermarkets, and gift cards.

Getting a rewards credit card in the USA is a good way to maximize your spending and earn rewards for the purchases you make. By following these steps and understanding the benefits of rewards credit cards, you can find the card that's right for you and start earning rewards.

FAQ

How do rewards credit cards work?

Rewards credit cards in the USA offer incentives such as cash back, points, miles, or other rewards for purchases made with the card. The rewards program may vary by card and can depend on the type of purchases made, with some offering bonus rewards for specific categories such as dining or travel. Rewards can usually be redeemed for cash back, statement credits, merchandise, or travel.

What is the best credit card for rewards?

The best credit card for rewards in the USA varies based on individual spending patterns and financial goals. Some popular rewards credit cards offer high rewards for specific categories, like travel or dining, while other cards offer a flat rate of cash back on all purchases. You can consider Capital One Venture X Rewards credit card, Capital One SavorOne cash rewards cards, Wells Fargo cash back credit card, and Chase Ultimate Rewards.

How many credit card rewards points can I earn?

The number of credit card rewards points you can earn, depends on the specific rewards program and card type. Some cards offer a flat rate of rewards on all purchases, while others offer bonus rewards for specific categories, such as travel or dining. The maximum number of rewards points you can earn is typically capped, but the amount can vary by card.

Are rewards credit cards worth it?

Rewards credit cards can be worth it in the USA as long as the rewards earned outweigh the fees and interest charges associated with the card. For individuals who use credit cards regularly and repay the balance in full each month, rewards credit cards can offer significant benefits as cash back, points, miles, or other rewards. You can earn unlimited bonuses on purchases, unlimited complimentary access, and gain other benefits.