The Best Credit Card Benefits
Drawing customers in when there are over 6,000 lenders for consumers to choose from can be a daunting task for creditors. Consequently, some creditors get imaginative in their perks and offer very unique rewards with their cards. These cards go above and beyond the mundane airline miles and cash rebates that other creditors offer. If you pay off your balance each month, then selecting a rewards credit card that fits with your interests might be a smart idea. In this post, we’ll discuss some of the best credit card benefits out there for consumers.
- View your credit score for free. If you have credit cards with Washington Mutual, you can see your credit scores from all three credit bureaus for free. Your FICO credit score is what lenders look at when evaluating you as a credit risk. Your scores are updated each month.
- Discounts on your phone bill. The AT&T Universal MasterCard allows you to earn a rebate of up to 10% that is credited toward your AT&T phone bill. After the first 12 months, the rebate decreases to 5%. You can also earn ThankYou points for every dollar you charge to your card, and then redeem these dollars for merchandise.
- You’re going to Disneyland. Some credit cards reward you with discounted theme park tickets. The Disney Rewards Card from Chase gives cardholders discounts on park tickets, Disney store discounts, and 0% financing on Disney vacations for six months.
- The call of nature. Bank of America offers many credit cards that let cardholders devote their rewards to various environmental causes, like the Sierra Club. If you enjoy hunting, the bank also offers cards geared toward duck and turkey hunters. For the fisherman out there, there is the Bass Pro Shops Visa rewards card that gives you 4% rebates on your purchases at the store in addition to making a contribution to the National Fish & Wildlife Foundation.
- Beyond cash rebates. With some cash rewards cards, you will get your standard rebate on purchases as well as an annual bonus based on the amount of rewards you’ve earned during the past year. For instance, the Capital One No Hassle Cash Rewards program gives cardholders a 25% annual bonus on their cash rewards for the prior year.
- Fight global warming. You can even go green with your credit card by selecting one with a rewards program that devotes your rebates toward reducing carbon emissions. With these cards, you usually have the option of donating all or half of your rebate to organizations that work to reduce carbon emissions.