Friday, April 12, 2013

Top 5 Credit Card Reward Programs for 2013

     1. Citi ThankYou® Preferred Rewards Card  (Click here to apply)    

Citi ThankYou® Preferred Rewards Card  
Key Points as to why this is Number 1:  
This card is great for EVERYONE the spends money
  • Earn 15,000 bonus "Thank You" Points after $1000 in card purchases must meet the $1000 within the first 3 months of opening an account.
  • 0% intro APR on Balance Transfers and Purchases for 12 months.
  • Earn 1 Thank You Point for every $1 you spend on ALL purchases (that's awesome)
  • No expiration and no limit on the points you can earn
  • Travel Rewards
  • No annual fees    
Easy to get rewards, easy to spend rewards and NO ANNUAL FEE what more could you ask for.  For every dollar you spend you get reward points towards things like gift cards, merchandise and even cash!!  This is the best card for those that want rewards for just using a credit card but don't want to pay annual fees just for having a rewards card. 

Capital One VentureOne Rewards Credit Card
Key Points as to why this is Number 2: 
This card is for the travel enthusiast 
  • 1.25 miles per dollar on every purchase
  • Bonus of 10,000 miles once you spend $1,000 within the first 3 months
  • 10,000 miles equals $100 in travel rewards
  • Redeem miles for airline tickets, hotel rooms, and car rentals.
  • No limit on the miles 
  • No expiration on miles earned
  • Use any airline, any time, NO blackout dates
  • 0% intro APR on purchases for a limited time
  • NO annual fee
This card is best for those that want to earn points, rewards, and money towards traveling expenses.  You really can't get anything else out of this card.  Still NO ANNUAL FEE which is my favorite credit card rule.  If you have trouble saving up for vacations and this is something that you want more of in your future (who wouldn't want more vacations in their future) I personally LOVE vacations.  This is the right card for those that LOVE to travel and see the world!!  Helps pay for hotels, airline tickets, car rentals and other vacation related experiences. 

3. Capital One® Cash Rewards
Capital One® Cash Rewards  
Key Points as to why this is Number 4: 
Great card for beginners and college students wanting to get good credit
  • $100 bonus when you spend $500 within the first 3 months
  • 1% cash back on ALL purchases made with this card
  • No annual fee (awesome)
  • No expiration on cash back rewards
  • Use your cash back anytime for any amount, even for automatic redemption
  • Design your own card
  • 0% intro APR on purchases and balance transfers for a limited time
Easy to use, easy to apply for and not many limitations.  The reward is only 1% but you can use the money towards pretty much anything, just like cash.  This is a very user friendly card with easy to use rewards.  This card would be great for newbies or college students that would like to start working on getting good credit. 

4. Citi ThankYou® Card

Citi ThankYou® Card 
Key Points as to why this is Number 5: 
  • 0% Intro APR on Balance Transfers and Purchases for 15 months!
  • 1 Thank You Point every time you spend $1.00 
  • No limit on the number of Thank You Ponits you can earn
  • Thank You Points can be used on merchandise, travel rewards, gift cards, and even cash
  • No annual fee
Easy card to apply for.  If possible try to get the Citi Preferred credit card (#1 on my list) but if you don't qualify for that one this is a great credit card as well.  Easy to use and rewards that can be used on many things that you may need for your day to day life.  

   5. Citi® Platinum Select® / AAdvantage® Visa Signature® Card

Citi® Platinum Select® / AAdvantage® Visa Signature® Card

 Key Points as to why this is Number 5: 
This card is for those that love flying with American Airlines
  • Earn 30,000 miles (Can only use with American Airlines) after spending $1,000 in purchases within the first 3 months of account activation
  • Earn a $100 American Airlines Flight Discount every card membership year with qualifying purchases and card membership renewal

This card has a lot of limitations, but, in the end you do get a significant discounts and rewards towards flights with American Airlines.  This card is hard to get the max out of the rewards. If you love to fly with American Airlines and would like a nice discount and special traveling discounts this would be a great card to use.

Note from blogger:
Please note that the credit card companies may change rewards and activation rules and regulations at any time.  Since, this site was not created by any credit company, none of these credit card companies are responsible for the information found on this site.  I wanted to create a site for those that want more information on the different credit card rewards out there.  I for one love to get free stuff just for using a credit card.  I hope that you find this information helpful.  This post was created on April 12, 2013 and the information provided is the most updated information that I was able to obtain at that date. 

I do not own any of the images from this site.  These images were taken directly from the credit card companies websites.

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