Rewards Credit Cards

Seems like everywhere you turn these days you are being bombarded with advertisements for some type of credit cards with rewards. More people than ever are using their credit cards as their main source of spending. They are far more convenient than having to carry large amounts of cash and are more widely accepted than a check. Beyond a shadow of a doubt the credit card has changed the way the world spends money.

Credit Card	Details	Credit Card	Details
	Miles by Discover Card - 12,000 Bonus Miles* - 1,000 Miles each month you make a purchase for the first 12 months - Double Miles on up to $3,000 in travel and restaurant purchases each year - 1 Mile for every $1 on all your other purchases - Book any travel, anytime with no blackout dates or restrictions - Unlimited Miles that never expire* - Redeem for travel credits to your account, gift cards from any of our 70 brand-name Partners or cash starting at just 1,000 Miles - No annual fee		Discover More Card - 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies - Up to 1% Cashback Bonus on all other purchases automatically - Unlimited cash rewards - 0% Intro APR for 6 months on purchases and balance transfers - No annual fee
	Simmons First Visa Platinum Rewards - Earn 1 point per net dollar spent - Fixed APR of 8.95% - Redeem points for travel ralated rewards - choose any U.S. based airlines with no black out dates - Travel insurance - Car rental loss/damage waiver covering collision, theft and vandalism - Emergency cash and credit card replacement - No annual fee		Visa Black Card - Limited membership - 24-hour concierge service - Exclusive rewards program - Luxury gifts - Patent pending carbon graphite - Annual fee $495
	Capital One No Hassle Miles Rewards - 1.25 miles for every dollar spent on purchases - 0% APR on purchases until May 2010 - Book travel with any airline, hotel, cruise line, or rental car company - No blackout dates and no seat restrictions - No annual fee		PartnersFirst Rewards Visa Card - Earn 1% cash back on every purchase - Redeem points for airline travel, merchandise, unique experiences - Customize your card with your favorite photo! - Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 months - No Annual Fee
	Citi Premier Pass - Elite Level - 20,000 bonus points after $600 in purchases made within 3 months of account opening - Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases* - Earn 1 point for every mile you fly on any airline* - Earn 1 point for every mile friends and family fly on tickets purchased with your card* - Get a complimentary companion ticket when you buy a qualifying ticket*		Capital One Orbitz Visa Platinum - Excellent - 3 points per $1 spent on eligible Orbitz.com bookings - 1 point per $1 spent on regular purchases - Redeem for Travel, Merchandise, Gift Cards and more - No annual fee
	Starwood Preferred Guest Credit Card from American Express - Earn 15,000 bonus Starpoints® after you spend $15,000 in 6 months - Earn one Starpoint for every dollar you spend and double Starpoints at participating Starwood properties and retail partners - Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries		Palms Platinum Access Rewards VISA Card - Earn 1 point for every retail dollar spent and double points on select purchases at the Palms - Get in on special access, including free room upgrades, front-of-the-line passes to Palms night clubs, and more - Rack up rewards worth having: Travel on any airline with NO blackout dates, 1% cash back, gift cards, and Palms gear - Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. - Total fraud protection - No Annual Fee
	American Express Preferred Rewards Gold Card - Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card - The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards - Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide - No pre-set spending limit - Express approval - get a decision in less than 60 seconds - No annual fee for the first year - $125 thereafter		Escape by Discover Card - 25,000 bonus miles* - 1,000 miles each month you make a purchase the first 25 months - Unlimited double miles on all purchases - Book any travel, anytime with no blackout dates or restrictions - 2 additional miles for every $1 you spend through ShopDiscover, our exclusive online shopping site - Enhanced travel benefits - Redeem for travel credits to your account, gift cards from any of our 90 brand-name partners or cash starting at just 1,000 miles - $60 annual fee
	Citi Forward Card - The credit card that rewards you for good behavior. - Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row. - 6,000 bonus points after $50 in purchases are made within 3 months of account opening. -No annual fee		Platinum Delta SkyMiles Credit Card - Earn 20,000 bonus SkyMiles after first purchase and another 2,500 for adding an additional cardmember - Earn at least 1 mile for every eligible dollar spent - Earn one companion Coach Class ticket each year upon renewal - Miles never expire and there is no cap on the miles you can earn - Pay with miles: pay for all or part of your flight with miles - and put the rest on your card - Express approval: get a decision in less than 60 seconds

With this, it has become far more difficult to choose the right credit card for your needs. The number of reward credit cards that are available has skyrocketed as issuers are struggling to find ways to get you to choose their card above all others. When looking at the different rewards credit cards you need to think about your particular lifestyle and choose the reward that is going to give the most benefit. Having a frequent flyer reward is only useful if you are a person who does a lot of traveling by airplane.

Many people do not understand how their credit cards reward program actually works and as such never realize the benefit to its fullest. Perhaps one of the most misunderstood rewards credit cards are hotel ones. By using their hotel credit card people think that they will be able to quickly reap the benefits but end up not being able to use them because of blackout dates. In other cases the chain of hotels does not have a hotel at the place you wish to stay, so make sure you choose the right hotel rewards program for you.

One of the best rewards credit cards available is the cash back reward card being issued by many credit card companies. These make the best credit cards as long as you fully understand how the program is designed to work. Generally speaking you receive a cash back bonus, which shows up as a refund on your monthly statement, for using a particular credit card for your purchases.

There are two different versions of these credit cards' reward programs and depending on how you use your credit card you can choose the one that is right for you. If you are a person who always pays off their balance at the end of each month then you need to choose a plan that pays your based on the amount you charge every month. On the other hand if you carry a balance you might want to choose a card that pays based on your monthly balance.

Most people own a car these days and because of this the gas companies have been quick to start offering their own credit cards. Gas credit cards rewards programs usually come in the form of cash back or free gas after you have spent a certain amount of money. In a few cases gas companies offer you rewards not only for the gas you buy but for every purchase you make including in their convenience stores.

When looking for the best credit cards for your needs you should never look just at the rewards offered. Always make sure that you look at all the terms and conditions associated with the cards to make sure that you get the lowest interest rates and fees available while still getting the perks you want.