Esta web utiliza cookies

We use our own and third party cookies to improve your experience and our services. Read more.

Las cookies necesarias ayudan a hacer una página web utilizable activando funciones básicas como la navegación en la página y el acceso a áreas seguras de la página web. La página web no puede funcionar adecuadamente sin estas cookies.

Nombre Proveedor Propósito Caducidad Tipo
ci_session Movements within the website. 0 minutos HTTP

Las cookies de preferencias permiten a la página web recordar información que cambia la forma en que la página se comporta o el aspecto que tiene, como su idioma preferido o la región en la que usted se encuentra.

Nombre Proveedor Propósito Caducidad Tipo
politicacookies It is used to hide the cookie notification once it has been accepted. 30 días HTTP

Las cookies estadísticas ayudan a los propietarios de páginas web a comprender cómo interactúan los visitantes con las páginas web reuniendo y proporcionando información de forma anónima.

Nombre Proveedor Propósito Caducidad Tipo
_ga Google Analytics uses it to distinguish users. 12 meses HTTP
_gat Google Analytics uses it to limit the percentage of requests. 10 minutos HTTP
_gid Google Analytics uses it to store user activity. 24 horas HTTP

Las cookies de marketing se utilizan para rastrear a los visitantes en las páginas web. La intención es mostrar anuncios relevantes y atractivos para el usuario individual, y por lo tanto, más valiosos para los editores y terceros anunciantes.

Nombre Proveedor Propósito Caducidad Tipo
_fbp Facebook uses it to offer some advertising products. 24 horas HTTP

Las cookies son pequeños archivos de texto que las páginas web pueden utilizar para hacer más eficiente la experiencia del usuario.

La ley afirma que podemos almacenar cookies en su dispositivo si son estrictamente necesarias para el funcionamiento de esta página. Para todos los demás tipos de cookies necesitamos su permiso.

Esta página utiliza tipos diferentes de cookies. Algunas cookies son colocadas por servicios de terceros que aparecen en nuestras páginas.

En cualquier momento puede cambiar o retirar su consentimiento desde la Declaración de cookies en nuestro sitio web.

Obtenga más información sobre quiénes somos, cómo puede contactarnos y cómo procesamos los datos personales en nuestra Política de privacidad.

Su consentimiento se aplica a los siguientes dominios: kreditiweb.com, www.kreditiweb.com.

Rewards Credit Card

Want to earn points on every purchase you make? Turn your spendings into benefits for you! Rewards credit cards are the best way to take advantage of your lifestyle with miles, perks and points.

Bank of America® Cash Rewards credit card
Regular APR

15.74% - 25.74% variable

Card conditions
Card conditions
  • Be over 18
  • Have a valid ID/Passport
Bank of America® Travel Rewards credit card
APR

16.74% - 24.74% variable

Balance Transfers APR 

 3% per transaction

Purchases Intro APR

0% 

Card conditions
Card conditions
  • Be over 18
  • Have a valid ID/Passport
PENFED PLATINUM REWARDS VISA SIGNATURE® CARD
APR for purchases and cash advances

11.74% to 17.99%

Card conditions
Card conditions
  • Be over 21
  • Have a valid ID/passport

How does a Rewards Credit Card works

 

We already know what a credit card is. A credit card is a financial product issued by banks, credit unions, online entities, etc., which allows you to borrow money under a line of credit. This money can be used for regular payments, purchases, services, etc. 

 

The difference is that, with a rewards credit card, you get a percentage back of what you spend. This does not mean that you will get bills back, but they will be represented in cash back, points or miles. These accumulated rewards can be redeemed through your credit card issuer reward’s portal. 

 

To understand it better, we recommend seeing rewards as a certain value in cash which can be equivalent to different amounts, depending on the rewards program and the rates established. They are usually expressed as percentages. So for example, if you get 1.5% cash back, it means that you will receive $1.50 back for every $100 you spend on your credit card. When it comes to miles or points, they usually offer “x times” points for every dollar spent.

 

As we mentioned before, these rewards can be redeemed in multiple things. Some of them are:

 

  • Merchandise

  • Gift cards

  • Travel (flights, hotel stays, car rentals)

  • Cash back

  • Statement credit

 

Expectations from a Rewards Credit Card

 

When you are getting a rewards credit card, make sure that you know the details and features that come with it such as:

 

  • Rewards earning: It may be either points, miles or cashback on different categories.

  • Sign-up bonus value: You can earn a sign-up bonus of up to $200

  • Annual fee: A lot of cards either have no annual fee or waive it the first year. But some of them can be as expensive as $100 or more.

  • APR: Rates with these cards are not the lowest in the market but they can go as low as 14.99% (or lower) and as high as 18.99%.

  • Benefits: Additionally, most rewards cards offer benefits such as travel accident insurance, travel credits, priority boarding, free checked bags and other valuable cardholder perks.

 

Types of Rewards Credit Cards

 

There are many rewards credit cards offered out there. Issuers became very creative and there might be one that fits your lifestyle.

 

Remember that most rewards credit cards are empowered to be stronger in one specific category, which means that if your credit card gives you travel rewards points, you may not get many other rewards in other types of spending. However, there are some cards that have been designed to include cash back or other benefits in all purchases. 

 

  •  ⭐Retail Rewards CC
  • It basically offers benefits when you make a purchase at a particular retailer. You might only be able to use your card with the affiliated company.
  • Many clothing stores such as Forever21, Zara and others offer this credit card, which is only valid within their stores. Department stores like Macy’s also have the same dynamic.

 

  •  Cashback CC
  • You can receive cash back on purchases with your rewards card. This is redeemable for statement credit or a deposit in your bank account. It is like getting cash for buying the things you want! Some issuers also allow you to use your cashback towards gift cards and merchandise.
  •  
  •  Category-specific — Gas, grocery, dining, etc. CC
  • If you are a regular consumer of a certain category, this one's for you. The most common categories are restaurants, gas stations, groceries, streaming services and more. These ones usually offer cash back in every purchase but extra benefits in the category of the card. For example, the card may offer 1% cash back on every purchase but you may receive 3% in the specific category of the card.aps for the highest rewards rates.
  •  
  •  Airline CC
  • This one is one of the most common category-specific rewards credit cards. It typically earns miles when you spend on flight with a specific airline. In the future, you may be able to redeem the miles earned for other flights.
  • It often also includes free bags, priority boarding, etc.

 

Pros and Cons of Credit Cards

 

PROS

CONS

  • ✅There are many rewards cards that can fit any lifestyle.

  • ✅You can redeem the rewards with multiple options, depending on the issuer.

  • ✅Since most of them are Visa, Mastercard, Discover or American Express, they can be accepted worldwide.

  • ✅Some of them offer extra perks, such as complimentary travel and rental car insurance. 

  • ✅Consumer protection benefits are common with all types of rewards cards. This means extended return protection, extended warranties, etc.

  • ❌You may have to pay an ongoing annual fee, or a higher APR than with regular credit cards.

  • ❌Rewards are always enticing. But if you aren’t careful, you could find yourself in snowballing debt.

  • ❌Your card provider might limit the points or rewards you can get during a year. They also have an expiration date.

  • ❌Rewards credit cards usually require you to have a good or excellent credit score.

  • ❌Some cards have caps on the level of rewards you're allowed to earn within a set time frame or within a particular bonus category. 

  •  

 

We analyze your profile and match you to the best financial products for you through SWIPE CREDIT

  • Get between $100 and $35.000
  • Immediate and tailored for you
  • We compare more than 50 entities
solicitar