Promotional Credit Cards With Sign Up Bonus Offers Great

Why Are Promotional Credit Cards With Sign Up Bonus Offers Great If You Are Planning Some Large Purchases

With zero percent card that has signup bonus, you earn a lot of rewards points at one time or a cash back bonus when you meet the minimum spending limit. Usually, there is a time limit for you to earn the signup bonus, for example, it may require you to spend at least $500 to earn a $150 cash bonus within a period of 3 months. Since you are going to make a large purchase, this type of rewards program will come in handy for you earn some cash back while spending money on something that you already plan on buying.

Besides the signup bonus, you also earn some rewards points when you spend money on the card. The rewards points may be earned when you spend money on selected purchase categories like rotating categories. Many cards do not have rotating categories to keep track and they let you earn a flat rate rewards point on all purchases.

The benefit of the zero percent credit card is that it waives the APR interest fees for several months. Normally, in a regular credit card, all the charges you swipe on the card will get APR interest fees if you let the balance roll over. In a zero percent credit card, no APR fees will be added onto the balance each month when you let the balance roll over to the next month.

You can take your time to pay off as long as you finish paying it off by the end of the zero percent intro period. The APR interest charge will be applied if you did not fully pay off the balance after the end of the intro period. You can sign up for a credit card with zero percent intro APR for 6 – 21 months. Rewards credit card with good signup bonus and long zero percent intro period will take a good credit score to sign up.

The zero percent intro incentive can help you to save a lot of money on the interest fees which you would have to pay if you make the purchase on a regular credit card that does not have any zero percent intro offer. This allows you to pay off a large purchase on your credit card fast instead of having to delay to many years to pay it off if you were to use a regular credit card.

When you are signing up for a rewards credit card, you must take into consideration of other costs such as the annual fee. It is best to find a card that does not charge an annual fee. If the card does have an annual fee, make sure the cost is covered by the rewards that you can redeem through the rewards program.Comments Off

Which Credit Card Is Best To Use If You Travel To South America

You can get a free air ticket to South America with the points that you earn on your travel credit card. There are many travel credit cards that allow customers to transfer their points for tickets with their airline transfer partners. The following are the top 4 travel credit cards for use in your trip to South America.

1. Barclaycard Arrival Plus World Elite MasterCard

Barclaycard Arrival Plus World Elite MasterCard is a great option for use in your trip to South America because it offers 50,000 miles as signup bonus after you spend $3,000 in 90 days. The 50,000 miles is enough for you to get a travel statement worth $500. Besides, the card lets you earn 2x miles per dollar. Each mile is worth 1 cent when you use it to redeem for a travel statement credit. The annual fee is zero in the first year but you will be charged $89 in the following year.

Promotional Credit Cards With Sign Up Bonus Offers Great

2. Citi/Aadvantage Platinum Select World Elite Mastercard

Citi/Aadvantage Platinum Select World Elite Mastercard is another great credit card for your South America travel because it allows you to earn 30,000 Aadvantage bonus miles when you spend at least $1,000. The card comes with many perks including priority boarding, and free baggage check. Ever dollar you spend will earn you 1x mile. If you use the card to shop at American Airlines, you will earn 2x miles. You will receive up to 25% discount when you order food and drinks on the plane. The annual fee is zero in the first year. From the second year onwards, the annual fee is $95.

3. Chase Sapphire Preferred

Chase Sapphire Preferred will award cardholders 50,000 points for spending $4,000 in 3months. The points that you earn can be used in the Ultimate Rewards program. With the 50,000 points, you can redeem a ticket from airlines like LATAM Airlines, Virgin Atlantic and Flying Blue. Chase Sapphire card also let you earn 2x points on traveling and dining. The annual fee of $95 is waived during the first year.

4. Starwood Preferred Guest Amex Card

Starwood Preferred Guest Amex allows you to earn an additional 5,000 points when you transfer 20,000 points to an airline. To earn the 25,000 points, you must spend $3000 in 3 months. The card has a reward program that allows you to earn 5x points when you spend money at a Starwood property. You can transfer the points that you earn to more than 30 airline transfer partners. The $95 annual fee is waived during the first year. Starwood Preferred Guest Amex does not charge any foreign transaction fee when you shop internationally.

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