Are you wondering how to buy a Visa card with rewards? Well, I am going to let you in on a little secret that I learned many years ago. You can actually earn a significant amount of cash back from the point-of-sale promotions conducted at many of today's major retailers. In fact, I would say that over 90% of the retailers that I shop at utilize some form of point-of-sale (POS) credit card program.
How to Get the Best of the Cards. Earn up to 5% money back on all qualifying purchases at Best Buy and Circuit City. Also earning rewards on your purchases. This is done by having Visa debit or credit cards tied to your account. Many credit cards offer no-interest charges while others offer low-interest rates.
Use Store-Only Credit Cards. These cards have no balance transfer fees and provide free membership to the Visa and MasterCard networks. With these types of cards, you are not limited to any one store. You can conduct business everywhere Visa outlets are found. In addition, you will find no annual fee to be paid.
Buy Visa Cards With Gold Visa Rebates. If you already have a Visa card, you can link it to one of these gold credit cards. All of the benefits of owning one of these credit cards come at no additional cost. Also, you are not restricted to using any one store-only card.
Buy Visa Cards With Gold Visa Rebates. If you have an unsecured Visa card, you can use the cash back offered through the Visa card rebate to further build your credit. Similar to the store-only card, you are not limited to any one store.
Buy Visa Cards With Gold Credit Card rebates. As mentioned, you can receive no annual fee with these gold credit cards. However, if you do happen to have an annual fee, the rebate will help offset it. This will give you more opportunity to build your credit.
Buy Visa Cards With Significantly Reduced Returns On Your First Day Of Purchases Within 14 Days. The ability to get credit card cash backs is an added bonus. The idea is that once you make your purchases using your Visa card, you receive a generous reward. For example, if you make a purchase of $100, you would receive a generous reward of $1000.
Different Visa cards offer different rewards. Some offer cash rebates on your purchases, others offer airline miles, and some include other incentives. For example, some cards include free gas when you use your Visa card for your purchases. Others include points toward your savings or other purchases. Shop around to find the best credit card deals so you can get the most out of your money and rewards programs.
Look for the cards with the lowest Annual Percentage Rate (APR). The lowest APR often offers the most rewards. This is because people are willing to pay more interest and fees for the service. The higher APR typically means lower cash back rewards. Look for cards that have attractive low APR rates as well as flexible financing options.
Use your Visa card to earn elite plus points instead of earning regular rewards. Elite rewards are earned based on the amount you spend. You can earn elite plus reward points by using your card to make purchases at over 500 retailers. These types of rewards are great for anyone who wants to build their credit, but does not need the benefits of having frequent flyer miles.
Another way you can earn rewards is to enroll in a loyalty program. The Visa card comes with several different loyalty programs including Global Resorts Visa Card, Platinum Plus Visa Card, Gold Plus Visa Card, and the Hilton HHonors Visa Card. These programs feature certificates which you can redeem at different restaurants or on merchandise from the hotels that are part of the program. The certificates come with a specific dollar amount you can redeem; choose the cards that offer the most valuable certificates to earn the most reward certificates.
As you can see, it is important to read the fine print before deciding if the Visa card is the right choice for your needs. Reward points and earning elite plus points may not be important to you depending on your use of the Visa card. However, make sure the interest rate is reasonable and that you are not spending more than you will be paying back. Finally, read the terms and conditions of the program to make sure you understand exactly how much cash back you can get and the expiration dates of your rewards certificates.