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Up until about a year ago, you could only get a limited choice of promotional gift cards when shopping for the best credit cards. At that time, the only two choices available to you were the usual, department store cards and the exclusive pre-paid cards. There was nothing out there that offering a sign up bonus that was better than the traditional cards. Luckily, that has changed. Up until recently, there were only a couple of issuers offering the kind of bonus incentives that were designed to attract new cardholders to their card brands. With the recent announcement of a partnership between Bank of America, Chase and Discover Card, consumers will once again be able to choose from a variety of incentive programs.
Update: The current offer of a card may no longer be accessible, but look for the Hot Deals section for the most current offers! You could receive up to 20,000 Chase Ultimate Rewards Points or even $200 cash back just for spending $500 within the first three months of your account. Or, if you prefer, you may be able to earn double rewards points for dining at their restaurants and shopping at their stores. No matter what you decide, it's a great deal for you and a great opportunity for earning some extra rewards points.
If you're thinking of applying for a new credit card, you'll want to consider the details in the offers released lately. For example, you may be interested in the new Chase Freedom Card because it requires no annual fee, even for the introductory period. However, the annual fee is not mentioned. If you're looking for a no annual fee card and receive a sign up bonus of 200 cash back, how do you know if the offer is good? You'll have to read the fine print to make sure you are getting the kind of cash back reward you need.
The annual fee that comes with the Chase Freedom Card is actually quite reasonable. This is an advantage over many other cards out there that require a yearly fee. That means you don't have to pay a large chunk of money up front. And, if you find that you like the rewards program, you can pay the balance off in full each month, which makes it easier on your wallet. After all, how much does one year of interest cost? Now that you've learned how to get a sign up bonus worth 200 cash back, you need to learn how to use it.
First, use the card as you would any other cash advance card. Make purchases as usual and pay off your balance as soon as possible. Once you've paid off the entire balance, you'll be eligible to earn more cash back. Make sure to pay your monthly bills on time and keep your credit card balances low. If you follow these guidelines, you'll soon find yourself receiving lots of offers in the mail from different lenders. Don't respond to all of them, but at least choose one or two, complete the application process carefully, and you should receive at least one offer that looks like a good deal.
Make sure that you read through all of the terms and conditions when you apply for a card, so you'll know exactly what to expect. You may be required to pay a set amount up-front as a sign up bonus, or to make a purchase within a set time-frame after you sign on the card. Other offers may have a specific limit on the number of free nights that you can use the card or may not allow you to use the card at all if you ever decide to cancel your card. Read the fine print carefully before you sign on that dotted line!