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Any cardholder would be happy to make money while making purchases. Loyalty programs provide us with multiple rewards based on our shopping needs and preferences. Reward cards and cashbacks enable us to profit from our purchases. Gift cards mean additional cash and are a simple way to make a perfect present. However, we can easily get lost in a variety of choices and opportunities to earn reward points.
Rewards Programs in Perspective
Credit card rewards stimulate our expenditure and make our shopping a more rewarding process. Traveling, making purchases or going to your favorite restaurants can earn you an additional statement credit (for more details browse reward cards companies reviews).
Rewards credit cards help you enjoy bonus points after spending a certain sum of money over a particular period of time. Redeemable points are usually earned within the first three months of the account opening date. With each dollar saved this way today, you invest in your business tomorrow.
Easy as it seems, it is also very confusing at times. Generally, a good idea, rewards programs ultimately prove very selective about their choice of candidates. You are not supposed to carry any monthly credit card balance due to higher interest rates. To qualify for this kind of credit cards, your credit score should be from good to excellent. It is a common practice to have the annual fee waived in the first year, and then you have to pay a hundred dollars or more.
According to reward card reviews, best features of rewards credit cards to consider:
- High rewards rates
- Flexible use of points and rewards
- No excessive fees (annual, balance transfer, foreign transaction, or over-the-limit fees)
- Excellent reward cards companies reviews.
What You Should Know about Cashbacks
Cashback reward program is another loyalty program that gives you cash instead of points or bonuses for every purchase you make. These cards should be used for daily expenditures to maximize your cashback. The higher the cashback on purchases is, the more chances there are that you will have to pay a fee annually. Cashback credit cards should be paid off in full monthly; otherwise you will have to pay an annual percentage rate which might exceed your cashback after all.
Another way to get your cashback is using the cashback websites. These websites offer you to sign up for an account in their cashback program, and then you click-through to the brand or product in question through the affiliate link on the cashback site and enjoy shopping. After the purchase, a certain percentage of the money spent is put back into your account. The withdrawal of your cashback varies from site to site, so read the fine print carefully.
Types of Gift Cards
A gift card is a cash card with a particular sum of money to be used in future at a particular store with innumerable reward possibilities. Generally speaking, gift cards can be divided into purchasable (can be bought as a gift for your family or friends) and non-purchasable (promotional or free). Free gift cards, as well as discount gift cards, are distributed by companies to engage potential clients, sell new products and increase customer spend per visit. Gift card industry has entered into almost every aspect of our life: groceries, restaurants, beauty, clothing, etc.
Gift cards may seem a little impersonal – they are just money, after all – but these days companies personalize gift cards with unique and meaningful messages to make them fit for any occasion. They come in many convenient formats: mail, e-gift cards, printable. Gift cards can be registered online to track your card balance.
Other types of gift cards include:
- open-loop gift cards – these can be used anywhere, are usually reloadable and sometimes require an activation fee.
- closed-loop gift cards – are limited to only one store or merchandiser, cannot be used again, are not reloadable and have specific time limitations. Such cards do not charge an activation fee.
Gift certificates, unlike gift cards, are printed on paper with a particular amount of money on them, meant to be used only once and cannot be reloaded. Popular in the past, they still get their way into our lives as only large companies tend to issue them due to their cost.
According to most gift card reviews, customers are happy to buy with gift cards as they avoid the pressure of paying the full price.
Ways to Use Your Gift Card
If you have a gift card and you do not know how to use it (or do not need it at all), you can always sell or swap it at an online gift card marketplace, exchange with friends or even donate it to some charity. To find a reliable gift card marketplace (an Internet platform or an app), you can read carefully through reviews.
When buying several gift cards, you are entitled to a bulk discount if you purchase more than ten gift cards. Do not miss a chance to use coupons or promo codes alongside gift cards to save even more by redeeming them at the checkout. Some gift card retailers offer cashback, so choose the highest cashback rate (pay attention to the terms and expiration dates and browse gift cards companies reviews to read about the experience other consumers have had with particular companies).
Discount codes and discount vouchers are a rather exclusive thing, they are uploaded daily to free discount code web platforms. Commonly, such special offers are run for one day only. Browse through available offers to save some money online. When applying discount codes or vouchers, you can instantly see how much money you’ll save. These special offers may be quite exclusive with lots of limitations, so carefully read the fine print to avoid issues.
(Always check out reviews and complaints about gift cards, rewards, and cashbacks on reliable review platforms). Learn from other people’s experience and redeem your promotional codes before they expire.