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Which Credit Card Reward Program is Best for You?Finding the best credit card reward programs is basically a lifestyle decision. There are a few things to consider before applying like, do you carry a balance from month to month? Do you travel frequently or fly often. Careful thought in these areas will go a long way to making sure you get your best rewards credit card.
One thing you should consider first is your spending and repayment habits. Credit cards with reward programs will typically have a slightly higher rate than other credit cards without rewards programs. That's not to say that you cant get a good rate on a rewards credit card.
However, the lower the rate the fewer the rewards. If you tend to carry a balance you should be seeking credit cards with the lowest rate first and let the rewards they offer be a secondary choice. If you pay your balance each month, then you are free to choose from any reward program that you like. More on finding Best Credit Card Reward Programs. |
Credit Card Reward Programs
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DirectBanc.com - Best Credit Card Reward Programs |
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Popular Reward Credit Card Categories 
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Additional Reward Card Categories |
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We have outlined some different lifestyles below to help you make you best decision. With each classification we have listed the most popular card for that category/lifestyle. This doesn't mean that the card we have listed is the best for you, it is just the most popular card in that specific rewards category.
1. Carrying a Long Term Balance - Depending on how long you intend to carry a balance, you should first consider the credit card's interest rate first and the rewards program attached to it as a second thought. Here is the most popular reward cards with the lowest rates. |
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2. Frequent Flyers / Infrequent Flyers - (Airline Rewards) There are two types of people who should consider airline reward credit cards, those who fly very often, and those who take the occasional vacation. The frequent flyers should consider Airline credit cards and the infrequent flyers should consider airlmiles reward cards. Our Airline credit card section explains the differences. |
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3. Business Reward Cards - Business Reward Cards can be a great asset to the small business owner as well as corporate officers. Each card within this category has it's own style of benefits, however we have noticed three distinctions. Some focus on every day purchases, business lunches and so on. Some focus primarily on helping you run your business expenses and the other focuses on travel:  Business Edition® Plus Visa® Card (Business Organization) |
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| 4. Cash Back Rewards - Cash back cards are pretty straight forward, you spend money and they give you back a certain percentage of your purchases in cash. Obviously, the best cards will rebate the most money, however you must consider the manor in which they fork over the mullah. Some cards make you request a check and others will simply send you a check at the end of the year, which is what we recommend. | |
| 5. Financial Reward Cards - These cards are basically the same as cash back credit cards with one exception. These cards contribute money to specific interest bearing accounts instead of cutting a check straight to you. These accounts range from IRA's to 512 college funds. Here are the two cards available. | |
| 6. Gas Reward Cards - Gas Reward Cards This class of reward cards offers rebates and rewards on gas purchases. Given today's gas issues, these cards have rapidly become one of our most popular reward cards. Here is the most popular: Discover® Open Road(SM) Card |
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| 7. Hotel/ Travel Rewards - Hotel and Travel reward cards are pretty similar except the hotel reward cards are geared at specific hotels and offer greater savings on overnight stays. The general travel cards will also offer room discounts but will also offer car rental discounts, gas discounts and other perks. Here is the popular of this category. Starwood Preferred Guest® Business Credit Card from American Express (Hotel) |
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