Airline Freebies and Discounts Offered with Rewards Cards

by John Stevenson on August 17, 2014

Airmiles and rewards credit cards feature plenty of added benefits to attract more customers. Some issuers offer low introductory interest rates and annual fees while others feature freebies and discounts, including bonus points toward flights, access to entertainment, and more.
Added Benefits

In addition to complimentary bonus points and attractive redemption plans, rewards cards offer many benefits such as exclusive offers and store discounts. Customers benefit from discounts on merchandise and apparel as well as experience awards, for example, tickets for shows and concert events. Issuers also offer access to unique events and generous discounts at specific retailers to encourage consumer spending. Bonus points are a major perk and can be redeemed at e-commerce partners and retailers, department stores, and other establishments. Some issuers also offer added extras such as renewal bonuses, rewards points on quarterly spends, green points, as well as birthday rewards. Customers who opt for online statements are offered green points. The best part is that rewards never expire, and there are no restrictions. Some issuers also offer optional and travel coverage benefits, including comprehensive insurance packages for safe and worry-free travel. Points can be earned when traveling or making payments. Gift cards and certificates are also offered, along with bonus points toward merchandise such as stereo handsets, cookware, video cameras, home and garden tools, and others. Bonus points can be redeemed for different items, and customers are offered different categories to choose from – accessories, fashion, travel accessories, luggage, and others. Other categories include games and toys, sports and outdoors, health and beauty, and so on. Customers benefit from flexible redemption and rewards programs, for example, points toward premium merchandise, air miles, cash back, and holiday packages. Exclusive offers and discounts are available with many rewards credit cards for enhanced shopping experience. Issuers feature discounts by brand-name merchants such as Budget and Avis, offering discount and budget rentals. Free authorized user cards are also offered as part of the added perks and package benefits.

How to Find a Rewards Card with Attractive Features and Benefits

There are many credit card issuers, including major and small banks, non-bank issuers, credit unions, online banks, and others. The major banks offer more diversity, including VISA, MasterCard, and American Express rewards and airmiles cards. Customers with spotless credit and a solid payment history have access to exclusive offers and discounts while applicants with poor credit have more limited choice because they are considered high-risk. Obviously, the best way to find an attractive offer is to shop around and compare fees and rates, travel rewards, and discounts offered by different issuers. It may come as a surprise, but there are secured cards that feature rewards programs. Secured credit cards are usually offered to customers with fair and poor credit, and secured rewards cards feature benefits such as travel accident insurance and bonus miles. Additional benefits include no caps on bonus points and airmiles and upgrades offered by airline carriers.

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How to Get a Secured Card with a High Limit

by John Stevenson on August 1, 2014

The easiest way to obtain a secured credit cards to rebuild credit with a high limit is to deposit a large sum of money to serve as a guarantee for prompt and timely payment. The limit offered also depends on the bank of choice, with some institutions offering credit limits that can be as high as $10,000.

Factors That Determine the Credit Limit

Banks take a number of factors into account, but the most important ones include personal income and credit rating. Other factors that financial institutions take into consideration include the applicant’s debt-to-income ratio and repayment history. Borrowers with maxed out credit cards, excessive debt, and late and missed payments are unlikely to get a credit card with a high limit. The repayment history of applicants is an important factor in that a solid history indicates timely payments and responsible use. Household income is another factor that determines the credit limit and whether applicants meet the criteria. Salaried employees are more likely to get approved compared to stay-at-home spouses and unemployed applicants. As a rule, customers with fair and poor credit and low income are offered cards with a lower limit, but the good news is that the limit can change over time and with regular, timely payments. In fact, many issuers re-evaluate the credit limit on a regular basis and may offer to increase it within a period of 6 or 12 months. There are other factors to be taken into account, and they depend on the type of credit card and the issuer. Department stores and merchant outlets, for example, look into spending patterns to make a decision. Many finance companies and banks look at the credit report to make sure that the limit offered is adequate and fits the borrower’s repayment capacity.

Ways to Secure a High Limit    

One of the ways to secure a high limit is to improve your credit score by making regular payments. Other ways to rebuild credit include paying down existing debts, paying gas, electricity, and other non-credit bills, and taking out a small consumer loan. Obviously, you will get a higher limit if you are considered creditworthy. Comparison shopping is also a way to find a credit card with attractive terms, and some issuers advertise high limits, low introductory interest rates, no exchange rate and annual fees, and other extras. These details are important, and some issuers even offer the option to earn interest on the amount deposited – this is a good way to offset some of the costs. And while many issuers offer cards with reasonable limits and other benefits, applicants who have declared bankruptcy and borrowers with outstanding lines of credit are often turned down by providers because they are considered risky.  Some issuers accept applications automatically but the best way to find out if you qualify is to visit a local branch. In general, banks look at your financial habits, types of credit used, and other factors.

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Business Loans for Major Purchases and Expansion

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Weighing the Benefits and Downsides of Mutual and Hedge Funds

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Consolidation Loans and Balance Transfers

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Do Your Homework Before Heading to the Dealership

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Credit Cards for Borrowers with Poor Credit and Customers with Solid Payment History

April 21, 2014

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Products Offered by Department Stores

April 16, 2014

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The Most Important Factors for Banks

April 13, 2014

Lenders offer short-term loans with extremely high rates, ranging from $100 to $3,000. Borrowers with financial problems and excessive debt often apply for such loans because they are turned down by traditional lenders such as banks and credit unions. Payday loans are one option for borrowers who need urgent cash. Payday lenders have more lenient […]

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