They Best Credit Card Rewards get Rolled out Again

You just can't please some people. When before the recession struck, when everyone was credit card-happy with their purchases, the credit card companies were out of their minds once everyone defaulted. "Can't these people learn to be responsible?" was what they seem to want to know. Today, people have learned their lesson; they spend far less with their credit cards than they used to and they are really serious about managing their debt and keeping it to a reasonable level. But the credit card companies are unhappy again. How are they ever going to make any money if people go and pay their balances off every month? So now, they're trying their best to entice people into re-learning a few bad habits all over again. And their method of choice in pushing people into those habits again they're offering good cards to people with less-than-stellar credit scores and are offering them with the best credit card rewards ever. Here we go again.

Credit card research firms are noticing that two out of three credit card mailings sent out this year, go out with a great cash back offers, a sign-up bonus or an actual gift. Sometimes, they just send out blank checks for a free cash advance on your credit card free of interest. Talk about temptation.

So what company has the very best credit card rewards? Some say that it's the Discover More card. Your credit card mailer comes with a gift certificate for about $150 from restaurant.com, and you get a 2% cash back bonus right away when you sign up. If you're someone who has to travel on business a lot drive and eat out at restaurants all the time you'll find that the Discover More card has just the right kinds of rewards system. You get 2% cash back for anything you buy at any restaurant or gas station. Everything else that you buy brings you 1% cash back. Balance transfers on all purchases come with a 0% APR for the first year.

Okay, that's wonderful if you are a traveling salesman or something. What do they have for you if youre different say, a sports fan who normally spends a great deal on watching sporting events in your area? Actually, as any sports fan who attends games by his team on a regular basis knows, every major sports team has its own credit card. But they dont always have the best credit card rewards aimed at sports fans.

Team credit cards from Capital One gives you fairly ordinary rewards every dollar you spend, you earn one point. You don't get anything that a sports fan would want no exclusive passes, no sports memorabilia, no chance to win an exclusive dinner with a superstar athlete. For that, youd do far better with a card from Bank of America like the University of Notre Dame Platinum Plus Visa. The National Football League Extra Points Visa is great for NFL fans. You get interest-free ticket purchases, VIP treatment, free NFL merchandise and so on.

The moral of the lesson is, if you're out for the best credit card rewards for your particular interest, you need to look around.

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