For example, Discover's It card offers up to 5 percent cash
rewards on certain categories of merchandise, but cardholders must sign up online periodically to qualify for the top tier reward rate.
Not exact matches
Some pay a flat rate
on all purchases, while others shell out higher
rewards in
certain categories, such as gas or groceries.
But those who do opt for a
rewards category should be
certain that they can afford the interest rate
on the cards, as they are typically higher than those without
rewards.
This card has no annual fee and good cash - back
rewards, though if you don't spend a lot
on certain categories, it may not make as much sense for your business.
Using this card you get generous cash back
rewards on purchases in
certain categories.
For
certain programs, you will need to manually opt in to earn the
rewards on a new
category.
Get 5
reward points for each dollar you spend
on certain spending
categories such as dining, books, music and movies.
For the most part, these
rewards programs amount to a 1 % return
on transactions, but some of them offer up to 5 % back
on certain niche
categories.
The simpler travel
rewards program from the Discover it ® Miles card is better for people who don't spend too much
on certain categories.
The card offers significantly lower
rewards on certain shopping
categories.
The most valuable benefit of this card is that you can earn 5X Ultimate
Rewards points (
on up to $ 1,500 in spending) for
certain categories each quarter.
However, Citi
Rewards aims to provide more value with up to 14 % off
on petrol at Esso and Shell, and numerous promotional deals like additional discounts at
certain retailers or 20x points (8 miles) for S$ 1 spent
on promotional
categories or stores.
Some cards earn high - rate
rewards on certain purchase
categories, like travel or groceries.
Watch out for limits
on rewards card
category bonuses — If you're planning on spending a lot on a card in a certain category, make sure you know the limit to what you can earn so you can maximize your rewards... (See Category bonus
category bonuses — If you're planning
on spending a lot
on a card in a
certain category, make sure you know the limit to what you can earn so you can maximize your rewards... (See Category bonus
category, make sure you know the limit to what you can earn so you can maximize your
rewards... (See
Category bonus
Category bonus limits)
I applied to keep the Ultimate
Rewards Shuffle going, and the 50k UR and 5x in
certain categories were great bonuses
on top of the Shuffle.
That answer often depends
on how much you spend and where you spend it, because a lot of cards give you extra
rewards for spending in
certain categories.
If you're getting 2x points
on dining and travel with a Chase Sapphire Preferred, and if Ultimate
Rewards points are worth more than 1 cent apiece (which they are, since you can redeem them for at least 1.25 cents per point directly against any airfare without restriction), you can definitely do better than 2 % with certain rewards cards in the right cate
Rewards points are worth more than 1 cent apiece (which they are, since you can redeem them for at least 1.25 cents per point directly against any airfare without restriction), you can definitely do better than 2 % with
certain rewards cards in the right cate
rewards cards in the right
categories.
But there are many flavors of each.Cash - back
rewards may be a set percentage back
on every purchase (flat - rate cash - back cards); a base percentage, with more for
certain categories, such as gas and groceries (tiered - rate cash - back cards); or a base percentage, with more for a rotating list of purchase types, such as restaurants in one quarter and gas in another (rotating
categories cash - back cards).
The simpler travel
rewards program from the Discover it ® Miles card is better for people who don't spend too much
on certain categories.
And like the Arrival Plus card and Venture card, you can earn 2X points
on certain categories, making it easy to earn
rewards quickly.
And since this card earns cash back everywhere, it could be a nice companion to another
rewards card that may earn a higher rate of cash or points
on certain categories.
Typically, a
rewards card will offer you 1 point per dollar (1X) spent and then «bonus points» worth more than 1 point per dollar
on certain categories, such as:
Most programs
reward you with a flat - rate percentage of your purchases as a statement credit, while others also offer bonus cash back
on purchases in
certain categories.
The
rewards in
certain categories are pretty generous: 4 percent cash back at gas stations, including Costco (up to $ 7,000 a year); 3 percent back
on restaurants and travel; 2 percent back
on Costco purchases; and 1 percent
on all else.
They dangle cash - back
on purchases, perhaps with greater
rewards in
certain categories.
When you choose a
rewards credit card that doesn't require you to worry about logging
on quarterly to select
certain categories or to pay attention to rotation schedules, you can worry about more important things — like how you're going to pay off the card's balance.
Plus, with the Capital One ® Venture ®
Rewards Credit Card, you earn two miles per $ 1 spent on all your purchases, making this an excellent card for people who don't want to worry about earning more rewards for purchases in certain categories or keeping track of a spendi
Rewards Credit Card, you earn two miles per $ 1 spent
on all your purchases, making this an excellent card for people who don't want to worry about earning more
rewards for purchases in certain categories or keeping track of a spendi
rewards for purchases in
certain categories or keeping track of a spending cap.
Would you rather have limited
category bonuses that might maximize your
rewards up to a
certain point, or just earn an easy and above - average 1.5 % cash back
on everything?
As mentioned — though the Discover it card offers a large 5 percent bonus
on certain categories of spending, when we look at the percentage that the average consumer spends in those
categories averaged out over four quarters, the overall
rewards rate
on the card is low.
Some pay a flat rate
on all purchases, while others shell out higher
rewards in
certain categories, such as gas or groceries.