Credit Card Rewards

Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. Card issuers will charge interest if you do not pay off your full statement balance by the payment deadline. You will be charged for late fees if you miss payment due dates. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you use credit cards properly, you can save money in many ways.


If you have poor credit, you can apply for subprime cards that are designed to help rebuild your credit history. Many subprime cards will accept you even if your credit score is low. You just need to complete your application with correct personal information. Once you are approved for a new credit card account, your responsible payment records will be reported to major credit bureaus, which improves your credit.

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If you have good credit and are looking for a credit card with no annual fee, you can qualify for many cash back or travel credit cards that let you earn rewards on everyday purchases.


Credit cards with 0% introductory interest on purchases or balance transfers can help you save money. Whether you are trying to pay off your debt or you need to make a big purchase in the near future, 0% intro APR credit cards let you borrow money from banks for a certain period of time and pay off debt later without incurring any interest or fees, as long as you make the minimum payments every month.


Quite a few credit cards are running limited-time offers. Enjoy the promotional rewards that are better than the regular offers. These special offers will not last long. Hurry up!


If you are a small business owner, using a business credit card can help you earn rewards on business purchases and manage expenses properly. Business credit cards allow you to separate business expenses from personal expenses, give employee cards, and receive exclusive access to events that are ideal for entertaining clients or treating staff, etc.


Do you know that you may enjoy free flights, hotel nights, and travel perks by having the right credit cards? Yes, travel credit cards offer frequent travelers many benefits on the road. In addition to rewarding you for travel spending, travel credit cards usually give out rich bonus points, redeemable for free travel. Some travel cards also offer unique perks, such as travel credit to pay for baggage fees, seat upgrade, in-flight food, airport VIP lounges, Global Entry, TSA Pre✓, etc.


Do you know that you may receive 5.25% cash back on everyday purchases? Yes, with a right credit card such as Bank of America Cash Rewards or Bank of America Business Cash Rewards, you can earn as much as 5.25% cash back on purchases of gas, online shopping, dining, travel, drug stores, home improvement / furnishings, office supply,TV/telecom & wireless, computer services, or business consulting services.


Do you know that you may receive a bonus valued at $500 or more when opening a new credit card account? Quite a few credit cards actually offer such a large bonus. Check out the credit cards that give new card members a large bonus of at least $500. To qualify for such bonus, you typically need to spend between $3,000 and $5,000 in the first 3 months of account opening. This is a fabulous return for the first few thousand dollars of your purchases. Credit cards with large bonus usually offer first-rate rewards on your purchases too.


After decades in the workforce, retirees finally have freedom to choose how to spend their time. For most seniors, retirement is the ideal time to take on extended travel adventures, including international travel. Most consumer cards charge around 3% of purchase prices on foreign purchases. However, there are a few travel credit cards that waive foreign transaction fees. Just carry these credit cards and use them for purchases abroad, you will not incur the foreign transaction fees. In addition, some credit cards offer lucrative travel rewards or bonus.