As far as earning 1 point per dollar, the SPG earns more versatile and valuable
points than most credit cards.
Not exact matches
Most credit cards offer more perks
than just miles and
points.
Further, you can use
points for
credit against travel purchases for up to 12 months after those purchases post to your account — a much longer window
than most other
cards offer.
On top of these luxury travel perks, the Chase Sapphire Reserve ® also gives you more reward
points than most other Chase
credit cards.
Plus, earn better rewards
than most other
credit cards, including one ScoreCard
point for every dollar spent — and year - round 2x and 3x
points categories.
After the first year, this
card will earn you just 1
point per $ 1 on all purchases, resulting in a rewards rate of around 1.2 % - lower
than most of the top
credit card offers.
That's about ten percentage
points higher
than most bank
credit cards.
Therefore, every new
credit card inquiry can perhaps hurt your
credit score (although it's by less
than 5
points each for the
most part).
The
card's 3 % cash back return on dining is better
than most credit cards out there, especially at this price -
point.
On top of these luxury travel perks, the Chase Sapphire Reserve ® also gives you more reward
points than most other Chase
credit cards.
For many
credit card users, the lure of a free flight is the
most irresistible perk there is — more
than points or cash back or free gas.
Most issuers make no more
than 2 % on every
credit card transaction, which is why
card rewards rates seldom approach this breakeven
point.
Furthermore, the MyCruise
Points you earn through this
card can only be used to provide discounts on future cruises, or onboard
credit — a reward with far less flexibility
than most.
The average interest rate for
most rewards
credit cards tends to be around 9 - 10 percentage points lower than that of the Old Navy Credit
credit cards tends to be around 9 - 10 percentage
points lower
than that of the Old Navy
CreditCredit Card.
Indeed, even the
most basic rewards
credit card offers better cash back,
points, or miles
than the Firestone
card (because, well, anything is better
than «none»).
Further, you can use
points for
credit against travel purchases for up to 12 months after those purchases post to your account — a much longer window
than most other
cards offer.
This is much better redemption rate as compared to
most other premium travel
credit cards, which rarely offer redemption rate higher
than 1 cent per 1
point.
Most credit cards tie their variable interest rates to the prime rate, which is about 3
points higher
than the federal funds rate.
This is because
cards like the Chase Sapphire Reserve ℠, Chase Sapphire Preferred ®
Card, Ink Business Preferred ℠ credit card, Ink Business Cash ℠ сredit card, Chase Freedom ® Card and Chase Freedom Unlimited ® can earn more than one point per dollar for most purcha
Card, Ink Business Preferred ℠
credit card, Ink Business Cash ℠ сredit card, Chase Freedom ® Card and Chase Freedom Unlimited ® can earn more than one point per dollar for most purcha
card, Ink Business Cash ℠ сredit
card, Chase Freedom ® Card and Chase Freedom Unlimited ® can earn more than one point per dollar for most purcha
card, Chase Freedom ®
Card and Chase Freedom Unlimited ® can earn more than one point per dollar for most purcha
Card and Chase Freedom Unlimited ® can earn more
than one
point per dollar for
most purchases.
Since travel
points credit cards are slightly different
than most other types of
credit cards, these are the key elements that go into my rankings.
As with
most rewards
credit cards,
point values vary by category, so do your homework to make sure you're getting the
most value (if you're redeeming
points for anything other
than airfare, that is).
Most credit cards offer more perks
than just miles and
points.
Most hotel
credit cards aren't a good deal, but the Chase Hyatt Visa and its World of Hyatt rewards program are a rare exception as your
points are easily worth more
than 2 cents each per stay.
Indeed, even the
most basic rewards
credit card offers better cash back,
points, or miles
than the Firestone
card (because, well, anything is better
than «none»).
Even if you're accumulating
most of your
points through
credit card spend (and you should be), you'll likely find yourself staying at your chain of choice more often
than you might otherwise.
I believe that based on the Canadian
credit card market in 2015,
most Canadians would be best to earn cash back, or some sort of fixed value return, rather
than points, for their
credit card spend.
I value World Of Hyatt
points higher
than most of the other hotel loyalty
points on offer (I value Starpoints highest) and, thanks to generous category bonuses on the Chase Sapphire Reserve and Chase Ink
credit cards, I find it reasonably straightforward to gradually build up enough Ultimate Rewards
points for some very nice redemptions.
Most basic rewards
credit cards offer better (or, at least, similar) cash back,
points, or miles
than the Express Next.
These co-branded
cards often still provide the infamous first - purchase discount, but
most now have ongoing programs very similar to regular reward
credit cards (gather
points and redeem rewards) and cash back
credit cards (earn rebates from purchases) that encourage long - term loyalty rather
than a one - time spending spree.
For the best return, you would do better with a
credit card that earns more
than one
point per dollar on
most purchases.
On top of these luxury travel perks, the Chase Sapphire Reserve ® also gives you more reward
points than most other Chase
credit cards.
Furthermore, the MyCruise
Points you earn through this
card can only be used to provide discounts on future cruises, or onboard
credit — a reward with far less flexibility
than most.
After the first year, this
card will earn you just 1
point per $ 1 on all purchases, resulting in a rewards rate of around 1.2 % - lower
than most of the top
credit card offers.
Keep in mind that the Hilton
credit cards listed below and membership in the HHonors program can help you earn
points much more quickly
than most general travel rewards
cards.
While some make it easier
than ever to earn
points and free hotel stays, others are
most lucrative if you carry their hotel rewards
credit cards.
Credit card experts say that the new Platinum
card and its less expensive sibling, the American Express Gold
card, still offer excellent rewards and a more flexible rewards
point transfer program
than most.
Among the 100
credit cards that CreditCards.com tracks, the First Premier bank
card is the
most expensive
card by far — beating out the
card with the second highest APR for consumers with less -
than - stellar
credit by more
than 23 percentage
points.