Winning your war on plastic
How many credit cards do you have in your wallet? And — perhaps a better question — are you taking advantage of them or are they taking advantage of you?
SBI Credit Card.com would like to see more and more consumers learning to take full advantage of all the perks that credit card companies are offering its users these days. It’s only right that if you, as a consumer, are giving them thousands of dollars of business, you should be getting something back too. Credit cards are a great tool for consumers. They offer the convenience and security that is necessary in today’s hectic lifestyles. They are also here to stay and so all consumers need to learn how to best benefit from using them in their daily lives. Read more
What Makes Rewards Cards UNREWARDING?
These days every consumer seems to want a credit card that offers some type of rewards program. Whether it is incentives like cash back, gas rebates, gift cards, or any other reward for using a credit card, consumers want to get the most out of their spending, and credit card companies are going out of their way to come up with newer and better ideas to entice consumers to use their particular credit cards. Which credit card is right for you depends on where you do most of your spending and what type of rewards you would find useful and enjoy. If you travel a lot, you will want a card that offers travel rewards and if you enjoy eating out, you may want a credit card that gives back rewards in the form of gift cards to your favorite restaurant. Read more
Use Your Credit Card Rewards for a Downpayment on a Car
Many credit card companies have relationships with car makers, which means it’s only natural that credit card rewards programs would exist to help with the purchase of a car.
SBICreditCard.com – With credit card companies offering all kinds of rewards these days, this is just another great thing that consumers can take advantage of. Sometimes it’s very hard to save up the cash to buy a large ticket item, such as a car, but when you have points accumulated on your credit card of choice, it goes a long way in making that wish for that “something” you need or want come true. Read more
Get travel bargains with major credit cards
You’ve got a major credit card, right? Did you know that card can unlock a number of bargains for your next trip?
SBICreditCard.com – The summer is a great time to take advantage of the numerous additional perks many credit card companies are offering. Everyone wants to travel at this time of the year and with prices on everything going up, it’s sometimes hard to come up with the extra cash to enjoy a few days of leisure. Read more
Earn MAXIMUM cash back rewards
SBICreditCard.com gives you ideas that will help you SAVE BIG. If you have a credit card that offers cash back rewards for every dollar you spend on it, there are some things you can do to maximize your rewards earnings. Here are a few tips that will help you earn more:
· Use the cash back credit card to pay your regular monthly bills such as phone bill, mortgage, electricity, cable, etc. These are expenses that you have to pay anyways, so you might as well make some money in the process. Read more
Why have more than one credit card?
With all the convenience and benefits of using credit cards these days, more and more consumers are choosing to have not only one credit card, but two or more. They are finding that there are various advantages in having multiple credit cards. Here are just a few ways that consumers are benefiting from using more than one card.
· Separate Household and Business Expenses: By using a different credit card for family/household expenses and another one for your business expenses, you can closely monitor where your money is going and make changes in your spending habits if need be. Read more
US official: Credit card bill could harm consumers
“Credit card networks forced by regulation to collect less from merchants may well respond by charging more to cardholders in card fees, or reducing card rewards programs and other features that are attractive to consumers,” Nelson wrote in a letter dated June 23.
SBICreditCard.com – Well, there you have it. No matter how you slice it, there’s no way that the credit card companies are going to risk losing their billions. It is obvious that if this type of bill is passed that regulates how much merchants are charged for transaction fees, then the credit card companies will have to make up the losses elsewhere. Read more
One Credit Card Deal That’s Hard to Beat
The skinny: Use a credit card to pay $750 worth of your bills, and you can get enough frequent flyer miles to save about $400 or more on a plane ticket.
The cards: The Citi Select AAdvantage American Express Card or the Citi Platinum Select AAdvantage World MasterCard. The deadline for new applications is June 30.
SBICreditCard.com – Sounds like a terrrrrific deal! It’s amazing the deals that credit card companies will offer these days to entice customers. If you have some time off and have a trip in mind, you can’t beat this. As mentioned in the article, remember credit cards only really work for YOU, if you pay off the balance every month. Otherwise, if you can’t pay off your bills and have to pay huge amounts of interest, any type of rewards offered by the credit card companies will not be worth it. Read more
HOME IMPROVEMENT Rewards Credit Cards
HOME IMPROVEMENT Rewards Credit Cards – These allow people to earn extra points for home-related expenses and regular points for other purchases. Points can be redeemed for doing all types of home improvement projects.
HOME IMPROVEMENT Rewards Credit Cards – Top Picks from SBI-Credit-Card:
- Citi® Home Rebate Platinum Select® MasterCard
- The Home AdvantageTM World MasterCard® credit card with WorldPoints®
HOTEL and TRAVEL Credit Cards
HOTEL and TRAVEL Credit Cards – These allow you to earn points for everyday spending and redeem them for free hotel stays, airline travel, or cruises.
HOTEL and TRAVEL Credit Cards – Top Picks from SBI-Credit-Card:
- Hilton HHonors Platinum Credit Card
- Citi® PremierPass® Card-Elite Level
- Capital One® No Hassle MilesSM Ultra – For Professionals
- Starwood Preferred Guest® Credit Card
- Miles by Discover® Card
- American Express® Preferred Rewards Gold Card
- American Express® Preferred Rewards Green Card
- Blue Sky from American Express.
GAS REBATE Credit Cards
GAS REBATE Credit Cards – These offer up to 10% rebate when purchasing gas. There are many types of cards to choose from. In addition to a gas rebate, many offer a 5% rebate on groceries and 1% rebate on all other purchases.
GAS REBATE Credit Cards – Top Picks from SBI-Credit-Card:
- Capital One® No Hassle PointsSM Rewards
- Capital One® No Hassle MilesSM Rewards For Travel & Gas
- Citi® Dividend Platinum Select® MasterCard
- The Chase® PerfectCardTM (Gas Rebate Credit Card)
- BP Visa® Rewards Card
- Discover® Open Road Card
RETAIL Rewards Credit Cards
RETAIL Rewards Credit Cards – These give the user points that can be redeemed with specific retailers. Extra points are earned when purchases are made at specific retailers, while earning regular points for all other purchases.
RETAIL Rewards Credit Cards – Top Picks from SBI-Credit-Card:
- Disney Rewards Visa® Card from Chase
- Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card
- True Earnings® Card from Costco and American Express
- ESPN Total AccessTM Visa® Card
POINTS Rewards Credit Cards
POINTS Rewards Credit Cards – These give the user the opportunity to earn reward points every time they use their credit card. The points can then be redeemed for merchandise, gift cards, cash back, and other rewards.
POINTS Rewards Credit Cards – Top Picks from SBI-Credit-Card:
- Citi® Diamond Preferred® Rewards Card
- Blue from American Express®
- Capital One® No Hassle PointsSM Rewards
- Chase FreedomSM Credit Card
- Capital One® No Hassle PointsSM Rewards
- American Express® Preferred Rewards Gold Card
Rewards Credit Cards
Rewards Credit Cards – Almost every major credit card company offers some type of rewards program these days. They encourage consumers to use their credit cards as often as possible by offering “cash back” incentives or rebate programs. These cards work best for people who do a majority of their purchases using credit card and pay off the full balance due at the end of each month.
The Good: For every dollar you spend, many cards offer points, airline miles and cash back. Currently, some cards offer as much as 5% cash back on select purchases and no annual fee. Points can be redeemed for merchandise, hotels, air travel, or gift certificates for your favorite restaurants and department stores.
The Bad: You need to always read the Terms and Conditions carefully with these types of cards. Read more
