rewards http://www.artwoo.com Returned search results for rewards Copyright 2008 Mon, 01 Dec 2008 22:30:54 +0000 http://www.artwoo.com/rss/rewards Best Credit Card Reward Programs http://www.artwoo.com/article/best-credit-card-reward-programs http://www.artwoo.com/article/best-credit-card-reward-programs#comments Thu, 14 Sep 2006 00:27:04 +0000 rewards programscredit card rewardsrewards programrewards pointsapply for a credit cardcredit card offerscredit card companies http://www.artwoo.com/article/best-credit-card-reward-programs s. Rewards programs are simple, like to fly, use a certain hotel, shop at a certain store or give to a favorite charity, with rewards programs the more you buy, the more you add up to get your favorite things for either free or at a discounted price. Rewards programs have made people big spenders using their credit cards hoping to rack up enough points to earn the products or services they enjoy and use.

Rewards programs can help many people, but more often than not, rewards programs only have the effect of consumers paying much more on other purchases than they get back in rewards products and services. This is why it is extremely important when signing up for these to make sure that using this credit card will be of value to you. What is the point of receiving $500 worth of free air travel, if you have to spend $700 extra on other products elsewhere?

Another important factor when considering rewards programs is that many rewards program change over time. If you just for the rewards programs, keep up to date on the terms and conditions, you might find that six months down the road, the value of rewards changes or that you must use your rewards points before the end of a specific time period. Most state in their contract with the consumer that they can change the rewards program if need be with only a few months notice, so keep up to date with your credit card company's agreement. While rewards programs are great for a large number of people, do your homework to make sure they fit your lifestyle and budget. Connie Barker is the owner of several financial websites including http://www.smartloandirect.com/best-credit-card-rewards-programs.html ]]> Are Rewards Cards Worth It? http://www.artwoo.com/article/are-rewards-cards-worth-it http://www.artwoo.com/article/are-rewards-cards-worth-it#comments Sun, 17 Sep 2006 04:27:08 +0000 hotel rewardscredit cardscredit card offerscredit card companiestravel merchandiseright choicefree flights http://www.artwoo.com/article/are-rewards-cards-worth-it credit card offers all the time offering rewards for your use of the card. , merchandise, gas... you decide by the rewards card you pick. But is it really worth it?

That depends on how you use your . If you carry a balance, the cards may not be worth the rewards. Why is that?

First of all, are in business to make money. They make some of it from the merchants and some from you. If you're carrying a balance, you are probably paying more in interest than you are getting in rewards.

Rewards cards often have higher interest rates than other credit cards. This higher rate is what covers the expense of giving you rewards.

You also want to watch out for annual fees and other fees. If the fees are too high, that's another way your benefit from the rewards cards is decreased.

On the other hand, a no annual fee rewards card can be worth it if you pay your credit card off every month. You're getting something you wouldn't have otherwise.

Do your research when you choose a rewards card. Think about what you would actually use and what your spending habits will let you reach in a reasonable period.

Let's use a card as an example. Free nights in a hotel, quite appealing. Or is it?

How often do you travel? Do you like that particular chain? Do they have locations where you would most often want to use them? What kind of effort will it take to get your free nights? Are there restrictions that will keep you from using your free stays at the times you are most likely to use them?

How many points per dollar do you earn? How does that compare to other offers? Do you get more points from shopping at certain places?

Your answers to these questions will help you to decide if a hotel rewards card is really the for you. If it's not the right choice, start looking at other credit card offers.

There are rewards cards out there for a wide range of travel, merchandise or even cash. These cards are not the wisest choice for everyone, but if your spending habits are appropriate they can be very worthwhile. Read through all the information about the card as you make your decision so that you choose one that will be right for you. Stephanie Foster makes it a habit to understand the various credit card offers. To learn more about what to look out for, visit http://www.knowyourcreditcards.com/ and read about the different kinds of cards. ]]> Credit Card Rewards Can Be A Desirable Credit Card Feature http://www.artwoo.com/article/credit-card-rewards-can-be-a-desirable-credit-card-feature http://www.artwoo.com/article/credit-card-rewards-can-be-a-desirable-credit-card-feature#comments Sun, 27 May 2007 22:14:57 +0000 credit card rewardscash back rewardsrewards programscredit card reward programsrewards programmailbankrate http://www.artwoo.com/article/credit-card-rewards-can-be-a-desirable-credit-card-feature Credit card rewards are excellent incentives for using your credit card, but are only beneficial if you will actually use the rewards. Credit card rewards are a wonderful way to get excited about using your credit card, however credit card rewards are only useful if they offer rewards that people want, so credit card holders should choose a reward that matches their lifestyle.



were born sometime around 1986. Credit card companies offer these s as a way of promoting their particular credit cards to increase their usage. Credit card interest rates have begun to rise overall, which is another reason why lenders are trying to entice new customers with their fabulous rewards programs. Credit card holders who have the discipline to control credit card purchases can have benefits from credit card rewards, credit card rebates and other benefits.



Rewards cards tend to have higher rates and fees to help pay for the program, experts said. Rewards programs have to be turned up a notch, and become so amazing, so absolutely unforgettable that consumers can't forget them and will apply for and use their card more than the other seven in their wallets when they go shopping. Rewards programs often have limitations, meaning once you reach the ceiling you are no longer eligible for the rewards program benefits- information they don't normally disclose in the credit card offers you receive in the . Rewards in the form of discounts on good and services are also available. Rewards are typically worth 1 percent of card balances, said Greg McBride, senior financial analyst with .



are perhaps the best kind of reward you can receive. Cash can also be rewarded in specific increments once you charge a certain amount of money, like a $25 reward when you charge $2,500. Cash back rewards are the most universal. Cash back credit card rewards are sent to you either as a check or as a credit to your account.



For the unwary, reward programs can have traps. That is not to suggest you should avoid rewards programs. You certainly have plenty of rewards programs from which to choose. Look for programs that fit the way you shop and have rewards you will realistically be able to attain. These rewards programs are growing in popularity, and surveys and statistics show that rewards programs affect people's decisions about which credit card or cards they choose to apply for, as well as which one of their existing cards they use for a particular purchase.



There are also ways for credit cardholders to maximize the power of credit card rewards programs they are already part of, and enjoy additional savings. Currently, the trend in credit card rewards programs appears to be creating cards that offer very specific rewards to cater to what people are doing with their lives. You should make sure that you have a usage pattern that strengthens your credit rating as well as gather credit card rewards and credit card rebates and other incentives provided by the card issuers. Select your cards with the features you need, credit card rebates or credit card rewards are one factor, no annual fee, low interest, low intro apr could be others. The best way to make the most of your credit card rewards is by simply taking advantage of them. Art Taylor has been a successful internet marketer for 10 years. He publishes articles about credit cards and other internet marketplace products. To gather more information or apply for credit cards visit his websites at: http://www.ecreditcardworld.info or http://www.eshopperworld.com ]]> Apply Card Credit Gas Online http://www.artwoo.com/article/apply-card-credit-gas-online http://www.artwoo.com/article/apply-card-credit-gas-online#comments Fri, 23 Feb 2007 08:27:05 +0000 hilton hhonorsapply for a credit cardapplying for a credit cardinstant approval cardscreditcardssomething to think aboutplatinum credit card http://www.artwoo.com/article/apply-card-credit-gas-online
The first card that we would like to show you what for gas online is the Discover Gas Card. I found this particular card at the following website: .com/instant-approval.php" >http://www.creditcards.com/instant-approval.php and you can apply for this card at: https://discovercardapplication.com/default.aspx?cid=53439andamp;uid=7c4190aa2007b901bc271542570125.



The second car that we spotted among the that offers gas rewards as well as many other rewards is the . This card offers rewards at qualifying gas stations, supermarkets, as long as they number of other places. Once again, look under the same website that is listed above for the instant approval cards and you'll find this card that does offer gas rewards.

When you are looking for a credit card that gives you gas back, you want to see or think about if you want to rewards taken off of the gas or whether your purchases at the gas station qualify you for different sorts of rewards. For example with this example that we have given above with the Hilton card, you are receiving rewards for your gas purchases but this is going more towards rewards that Hilton has to offer instead of cash back under gas. This is when you are looking at with gas rewards. Hopefully this article on apply card credit gas online helped you and you may take one of these two cards. Make sure that gas is the reward that you want because there are many different rewards and there may be something that you like more than getting cash back or rewards for gassing up your car. Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.better-credit-cards.com and http://www.creditrequests.com. ]]> Rewards Credit Cards and You http://www.artwoo.com/article/rewards-credit-cards-and-you http://www.artwoo.com/article/rewards-credit-cards-and-you#comments Thu, 30 Oct 2008 11:57:27 +0000 rebate credit cardshigh interest ratestypes of credit cardscash rewardscustomer loyaltyworld of todaycash rebate http://www.artwoo.com/article/rewards-credit-cards-and-you types of credit cards available all across the world. In today's competitive world, various companies are offering credit cards as rewards for bribing their customers to use their credit cards. If you shop around then you can easily found the wide range of rewards credit cards to select from. No matter what your interest exactly are, there is probably a rewards credit card especially for you.

The travel rewards credit cards are one among the most accepted kinds of credit cards. Travel rewards credit cards accumulate points which is possible to redeem for saving on car rental, hotels, flights, and even traveling in cruise in some cases. If you're a regular traveler and travel a lot and often use your credit card, then you may wish opting for a credit card which will help you in making some money saving on travel, and may even assist in earning you some freebies.

Cash back rewards credit cards is another common variety of rewards credit card. With these cards, you'll be offered with the on a certain percentage of your entire purchases. These cards are also well-recognized as the cash . If you want to apply to be offered with a cash rewards credit card, then you'll need to pay specific attention towards your rates of interest. If you usually have a balance pending on your credit card, you'll want to ensure that you don't cancel out the cash back rewards card's benefit by paying penalties and .

The in addition to its skyrocketing gas costs have smoothed the way for a brand new variety of rewards credit card for gaining in popularity. Gas station rewards credit cards are among such marvelous rewards cards that encourage the and helps in making some money saving at the same moment. The gas rewards credit cards allow you an opportunity to get huge discounts on gas, or even offer you with free gas. Gas rewards sometimes also arrives as a rebate, more often as the cash bank rewards.

There is another reward card with unique feature as well and the main objective behind this card is to assist the parents regarding their children's college expenses. The CitiŽ UpromiseŽ Card by Citibank offers one percent in college savings no matter where you shop. It means that one percent of your total purchases directly goes towards your children's education saving. So, if you've kids whom you want to enroll in reputed college in the nearest future, purchasing their diapers with this type of card will actually assist for putting them through the school. It's really an interesting as well as extremely useful method for making your credit card operating for your sake.

Overall, these all are what the rewards credit cards are actually about. Of course, you should pay attention over your APR and fees for ensuring that you're actually dealing on a rewards credit card. Additionally, keep in mind that some sorts of rewards credit cards are just for those whose background reflects good credit history.Financial products such as credit cards are not always straightforward. When in doubt, always seek expert financial advice]]> Browsing the Different Cash Back Card Programs http://www.artwoo.com/article/browsing-the-different-cash-back-card-programs http://www.artwoo.com/article/browsing-the-different-cash-back-card-programs#comments Mon, 14 Jul 2008 16:29:21 +0000 loyalty pointsback cardsreward programscharitable institutionenergy saving productscard providersmoney cash http://www.artwoo.com/article/browsing-the-different-cash-back-card-programs reward programs. Eligibility for these cash back reward programs depend on the card company policies. Different credit card companies have different selection criteria.

Today, everyone wants to gain some extra cash and this is the reason for the popularity of Cash , which provide Cash back rewards.

Some Of These Reward Programs Are:

1. Residential Incentives
2. Business incentives
3. Renewable Energy Incentives

Several programs help people in saving their day-to-day bills. One program called Energy program offers Cash Back Rewards on purchase of . They also offer discounts on purchase of such products. Individuals also get rewards for administering their homes efficiently.

Shopping is another place, where you can get cash back rewards. These rewards help you to get points. Cash back programs are introduced to give you the best deals and offers. In addition, you can even earn money through these cash back reward programs.

There are web sites that offer Cash back rewards, wherein you get . You get cash instead of rewards. You can also use these rewards for donation purposes. If you decide to donate the cash, these web sites double the cash rewards. This in turn profits the .

Tips:

1. Check the annual fee and compare it with the benefits.
2. Search for a cash back card that has no annual fee, if you are not an avid spender.
3. Look for the benefits that your cash back credit card offers

It is very difficult to say which card is best, because different cards offer different cash back reward programs. Watch out for capitals for these reward programs. Here, remember that you are spending to save money.

Cash back enable cardholders to attain rewards only if they make purchases with their cards. Hence, look for cash cards that have no annual fees attached to them, so that you get maximum cash back rewards. Several cash back cards provide lower percentages on purchase of drugs. Always be careful of the terms and conditions of these rewards, before you select a particular card.

Cash back rewards does not come free of charge. They involve a rate of interest and card fees. Cash back rewards are a best way to get cash in return for spending the same. You get a check as a reward for specific periods. Next, you can encash the check and spend it on whatever you want.

Each kind of reward program has its own advantages and disadvantages. You have to make a choice depending on what is best for you. Reward point cards give rewards of high value. Cash back is used on issuance of check. Reward points are available at specific locations only. A person who uses a credit card frequently has a better chance to win more cash back rewards.Find a cash back card and more of Tom's work at FINDcashbackcards.]]> Reap Rewards For Using Your Credit Cards http://www.artwoo.com/article/reap-rewards-for-using-your-credit-cards http://www.artwoo.com/article/reap-rewards-for-using-your-credit-cards#comments Thu, 13 Dec 2007 01:15:01 +0000 low interest balance transferstie upscreative rewardsdinner couponscash incentivesrich rewards0 apr http://www.artwoo.com/article/reap-rewards-for-using-your-credit-cards
Credit card companies are competing with each other to give the best possible and of course the most useful rewards to their customers. You, as a customer of a rewards credit card, are completely spoiled for choice! There are rewards ranging from and discounts on purchases to travel rewards like airline points or hotel stays or movie tickets, and many more . By carefully planning your spending, you can reap and actually feel happy about your expenses!

There are other very tempting benefits that come attached with these cards like waiving of the annual credit card fee, 0% APR and etc. Long term customers are preferred for these rewards, though in the highly competitive credit card market of today, new customers are also being welcomed with these options. Airlines, hotels, malls and brand shops selling attire, watches, jewelry etc. have tie-ups with the credit card companies to make the offers more friendly and attractive and at the same time see it as a means to increase their sales.

As there are a number of options for you to choose from, you should carefully consider them to make a choice that will most satisfy your wants and desires. The nature of the rewards that will be given to you should be born in mind. For example, if you do not like movies, then a card that gives movie tickets as rewards may not be meaningful for you. The extra benefits also need to be taken into account =96 a card that has no annual fee is better than a card that waives annual fee for the first year alone. You could categorize the benefits as short term and long term. Points that can be redeemed at gas stations and dining freebies are short term that can be used on a day to day basis. Where as travel points are long term rewards that can be used during your vacations or in case you are a business traveler, during one of your business trips. You should ideally decide to go for long term or short term rewards based on your life style.

You need to collect points on your card before redeeming them for a bonus or a gift; and every time you spend, you will be awarded points. So, the ratio of the rewards amount to the spent amount should be a factor to look into. For instance, if a $25 spending could earn you rewards worth $2, it is better than the spent amount fetching you rewards worth $1. Next, you should spend some time in carefully reading the terms and conditions associated with the offers and make sure that there are no catches that you may regret later on.

You should remember that once you have got your rewards credit card and used it to make all your purchases, you will be required to make your payments on time. The rewards are tied to prompt repayment. So, if you do not pay up on time or do not pay up required amount, there is a likelihood of losing all the reward points you have so painfully accumulated! As in case of any credit card, late payment also could lead to bad credit and a sagging credit score. Hence, after getting your rewards credit card, you should adopt a spending style that is carefully planned and wise. Log on to http://Rewards-CreditCards.com for the best rewards credit card deals. ]]> How To Get A Good Rewards Credit Card http://www.artwoo.com/article/how-to-get-a-good-rewards-credit-card http://www.artwoo.com/article/how-to-get-a-good-rewards-credit-card#comments Fri, 29 Dec 2006 16:27:10 +0000 credit cardscredit card checktiered systeminterest rateair miles card0 aprtransfer option http://www.artwoo.com/article/how-to-get-a-good-rewards-credit-card credit cards come with many different possibilities. The options can be quite nice and are greatly varied. There is probably something for just about anyone and the offers can be rather attractive. Here are some things you need to look for as you go to apply for your rewards credit card to help you get a really good one.

Find A Rewards Card You Can Enjoy

By looking for your greatest expense each month you will be able to get the most benefit from your rewards credit card. For instance, if you spend the most money on air travel each month then you will want to get an . Or, if you travel a lot and spend a lot on gas every month, then you would probably want a gas card. By focusing on your biggest expenses, you can also get the greatest amount of savings for those things by getting that type of rewards credit card.

Check The Rewards Rate

Rewards credit cards will all give you a percentage of your purchase in the form of a reward. The difference, though, is what percentage? Some cards will only give you 1% on your purchases and other ones will give you as much as 6% on certain purchases. Most cards, though, will give you a two- where you get one percentage for things related to the card, and a lower percentage (1 to 3%) for things like groceries, prescriptions, and gas.

Get 0% APR Interest For Your Purchases

Just about every credit card has an , but why settle for one that is higher than zero percent? Of course, this only refers to the introductory offer, but it can last up to 15 months - if you are careful to look for this feature. This gives you plenty of time to enjoy savings from interest and time to find some real bargains. Of course, the interest rate only applies to balances carried over from one month to the next. This means that if you pay the entire bill each month, and on time, you will not pay any interest anyway -- for as long as you have the card!

Look For Balance

This great feature allows you to take the balances from your other credit cards and put them onto this new rewards credit card. If you are paying interest on the other card this would be a great way to save some money each month. Generally, you are given the length of the regular introductory offer to have 0% APR interest on balance transfer amounts, but you will want to check on this. Also, look to see if there is any balance transfer fees that apply when you do this. Many cards have no charges for this service.

By looking around and comparing rewards credit cards, it will certainly enlighten you to be able to see what is going on in the credit card market. After doing some comparison shopping, you should be able to come up the rewards credit card that is best for you - and soon, you will start to see those rewards coming in. Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk ]]> How To Take Advantage Of Rewards Credit Cards http://www.artwoo.com/article/how-to-take-advantage-of-rewards-credit-cards http://www.artwoo.com/article/how-to-take-advantage-of-rewards-credit-cards#comments Fri, 05 Jan 2007 08:27:10 +0000 credit cards workchecks in the mailback cardsdauntingcredit cardhomeworkhousehold purchases http://www.artwoo.com/article/how-to-take-advantage-of-rewards-credit-cards checks in the mail? These are just some of the bonuses companies offer through rewards s. With a little planning, you can make the most of your rewards credit cards.

How Rewards

Companies offer a vast array of reward plans. Yet the basic principle of all rewards credit cards is the same: you receive "rewards" for using the cards. For cash , companies offer a certain percentage, such as 1%, return on all of your purchases. So if you spend $2,500 with your credit card, you can expect a check for $25. Some companies include a higher percentage, such as 5%, in cash back for shopping at grocery stores and gas stations. This way you earn more cash for regular . Think about it: the $2,500 you spend could bring in a $125 check -- just for shopping!

Cash back cards are not the only type of rewards credit cards available; there are plenty of others to choose from. Some rewards credit cards offer a point system. You might receive one point for each dollar spent. You can then use your points to buy certain items. Others include rebates for gas purchases, discounts on hotels, and miles toward airline travel.

Do Your

With so many options available for rewards credit cards, selecting a card can be a task. To make sure you are taking full advantage of a rewards credit card, you first need to do some homework. Start by looking over your recent purchases. Do you always buy groceries at a certain store? Consider a credit card that offers a high percentage of cash back on grocery store purchases. Do you spend a lot on travel? If so, look into rewards credit cards that offer points toward free air travel. Do you have a long work commute? Rewards on a gas card will help you save on car travel. If straight-up cash is what you are after, a cash back rewards card can give you just that.

Besides considering your spending habits, think about your reward preferences. Perhaps you do not usually travel, but dream of taking a vacation to Hawaii. Sign up for a rewards credit card with travel benefits. You can take that fantasy vacation as a result of the reward plan. The bottom line: study your purchasing habits and lifestyle to find out which rewards credit card is right for you.

Make it Advantageous

While rewards credit cards offer great benefits, there are also potential drawbacks to consider. Some rewards credit cards include an annual fee or high interest rate. If you carry a large balance on your card, you may end up spending more on interest than you receive in benefits. However, if you use your credit card to make ordinary purchases, pay off the balance each month, or carry a low balance, then the rewards credit card can be very beneficial.

Enjoy the Rewards

By considering your spending habits and reward preferences, you can find the perfect credit card for your lifestyle. Apply for your rewards credit card today. Then start reaping the benefits. By next year, you could be flying for free -- a great reward for using a credit card! Click here to find http://www.credit-card-surplus.com/rewards.php. Ed Vegliante runs http://www.Credit-Card-Surplus.com, a directory helping consumers to compare and apply for credit cards. ]]> Apply For A Rewards Credit Card And Take Part In A Rewards Program http://www.artwoo.com/article/apply-for-a-rewards-credit-card-and-take-part-in-a-rewards-program http://www.artwoo.com/article/apply-for-a-rewards-credit-card-and-take-part-in-a-rewards-program#comments Thu, 14 Dec 2006 22:27:10 +0000 platinum visa cardcardssubaru dealershipchasesony platinumplatinum mastercardcompetitive interest rates http://www.artwoo.com/article/apply-for-a-rewards-credit-card-and-take-part-in-a-rewards-program cards are issued by credit card companies in order to get more customers. All of them feature either cash back or rewards programs and usually require good credit history.

With a rewards card, you can earn extra points or money during your purs. Just use your rewards card when you shop, and you can take part in a rewards program. Try to use your card for as much of your normal spending as possible.

Several rewards are available depending on your lifestyle. You can collect points for free travels, book, music, movie, or any other gift certificates from leading merchants, etc.

Various types of these cards exists. For those who would like to get rebates on gas can earn on all of their gas purchases made at particular stations.

For those, who travel a lot, travel rewards programs are the best choice. They can take part in frequent flyer programs. Earned miles can be used towards travel on many of the major airlines such as American, Delta, United, Continental, Northwest, USA, etc.

Brand-specific rewards are only useful if you're a loyal user of the brand. For example the Sony is ideal for those who are interested in electronics, music, games, entertainment - in Sony rewards.

The Subaru from Chase is a rewards credit card ideal for those who plan to buy a Subaru vehicle or Subaru products, regular servicing (such as oil changes) at an authorized .

Rewards cards have typically higher interest rates than other cards. It's not a good deal to use rewards card if you pay too high interest rate. But you can find some cards with absolutely , too.

Be careful, because there are some drawbacks about these cards. Always read all details, not only the highlighted parts of the text when you read a review of a card. It's not always that easy to get those rewards, there are several restrictions.

These rewards cards usually features a low or 0% introductory APR on purchases and balance transfers for few months and have no annual fee.

Note that the best deals are only valid in the introductory period and make sure that later the conditions will still fit for you.

For those who pay their balances in full within the Grace Period, the card has a low interest rate for purchases and balance transfers.

These cards offer further special benefits and privileges like Lost and Stolen Card Reporting, Emergency Cash and Card Replacement, Auto Rental Insurance, and more.

Though rewards cards may seem a little bit cloudy, the benefits make them more than worthwhile. Maybe the schemes of cash-back programs are often simpler than other types of reward programs and are more calculable. Fruzsina Csery is a freelance copywriter. She occasionally writes for http://www.mastercardapplications.info ]]> Students - What Credit Rewards Are For You? http://www.artwoo.com/article/students-what-credit-rewards-are-for-you http://www.artwoo.com/article/students-what-credit-rewards-are-for-you#comments Fri, 11 Jan 2008 14:20:00 +0000 citi bank credit cardscredit card rewardsbank credit cardsthankyou networkcredit card applicationairlinersgift cards http://www.artwoo.com/article/students-what-credit-rewards-are-for-you credit card application is very similar, where if you don't do your research, you may not get what you wanted.

In order to find which credit card fits your needs, you'll have to ask yourself a few questions before you start looking for that perfect credit card. After you browse through the next few questions, it should help you better understand what kind of credit card will best suit you.

What do you do a lot of?

When you ask yourself this question, you also have to ask yourself these questions as well, "Do you drive a lot?", "Do you shop a lot?", and "Do you travel a lot via ?" This will give you a good idea on what kind of credit card you want to apply for.

It basically comes down to this. generally vary in a few forms. You have your gasoline rewards, airliner rewards, travel rewards, and your point rewards. The most common form is point rewards. This is where you receive a "point" with every dollar you spend. Depending on the credit card company, you can then use these points to buy particular items.

Citi Bank's has a very great system and online point store that basically has everything under the sun from to plane tickets. If you're not a big fan of the , there other similar packages as well with other bank issuers.

Will you be spending a lot?

The reason this question is asked is because some credit card companies may offer incentives if you spend so much per month, year, etc. Remember, when you're using your credit card, it's important that you spend responsibly and you don't spend more than what you have. If you know you're going to be using your credit card a lot, make sure you know what kind of incentives are offered by credit card companies. The more you spend, the more the credit card companies are going to like you.

Do your research

The best way to the perfect credit card rewards is to ask around. It's always best to ask someone around your parent's age or maybe even your grandparent's age. Ask them what kind of credit card they use and if they like it. Ask them what kind of rewards it offers and if they take advantage of the rewards.

It's always best to ask someone outside of the internet world because a lot of the times when you do a search for a review online, you will most likely find a negative review. This is why it's best to steer clear of that.

These three golden steps should definitely help you find your perfect reward credit card or at least it will get you on the right foot. All you need to do now is sit down, write down these questions and ask yourself. Once you figure out all of the answers, be sure to start browsing for that credit card. Tom Tessin runs and maintains http://www.findcollegecards.com that focuses solely on student credit cards. ]]> Gas Rewards Credit Cards http://www.artwoo.com/article/gas-rewards-credit-cards http://www.artwoo.com/article/gas-rewards-credit-cards#comments Sat, 17 Feb 2007 10:27:07 +0000 credit cards workmailgas cardsback cardsearn extra cashgas stationsfuel purchases http://www.artwoo.com/article/gas-rewards-credit-cards fuel purchases. There are plenty of reward plans to choose from. Before you apply, here's what you need to know about gas rewards credit cards.

How Gas Rewards

Gas rewards credit cards are similar to cash . Most operate on a percentage system. Every time you purchase fuel, a certain percentage of cash is returned to you. This usually ranges from 1 to 6%. So if you spend $200 on fuel each month and have a card that offers 5% cash back, you will receive a reward of $10 each month. How's that for pumping fuel?

Some gas rewards credit cards operate on a point system. You earn points based on your fuel purchases. These points can then be redeemed for dollars. Your cash is returned to you either through a check in the or as a credit to your card statement.

Plenty of Options

Gas rewards credit cards come in many varieties. Some card companies offer that earn rewards only at certain . If you regularly fill up at one place, this may be a good choice for you. Other companies allow you to earn cash back at any gas station. If you tend to vary where you purchase gas, this type of card will work better for you.

Some gas rewards credit cards also allow you to earn points or cash back on purchases besides gas. These may include a 5% cash back offer on gas purchases and 1% cash back on others. Or they could include a higher percentage back on both gas and auto maintenance purchases. If you want to use your card at a variety of stores and gas stations, one of these plans may benefit you the most.

Most gas rewards credit cards offer an initial introductory period with extra benefits. This might include a 0% or low APR for the first few months. Also, your card may offer extra points or a higher percentage of cash back on purchases for the initial period. This gives you a way to right from the start. If you are traveling more than usual or are already putting in plenty of miles on the road, the gas reward credit card can give your wallet an added boost at the beginning.

What's Right for you

Keep in mind that most gas rewards credit cards require you to have good or excellent credit. Also, many of them include a higher interest rate than other credit cards. So if you pay off your credit card bills each month, you can reap the rewards. However, if you usually carry a balance from month to month, a different credit card may work better for you.

Evaluate your spending habits and travel budget. If your fuel bill is usually high, gas rewards credit cards are an excellent option for you Look through the different gas rewards credit cards available and find one that will benefit you the most. Then apply online for a gas reward credit card. It is a great way to get some money back for a needed expense. Click the following link to find Gas Rewards Credit Cards http://www.credit-card-surplus.com/gas-rewards-credit-cards.php .. Ed Vegliante runs http://www.credit-card-surplus.com , a directory helping consumers to compare and apply for credit cards. ]]> Electrifying Rewards For Credit Cards http://www.artwoo.com/article/electrifying-rewards-for-credit-cards http://www.artwoo.com/article/electrifying-rewards-for-credit-cards#comments Wed, 22 Aug 2007 19:20:00 +0000 reward credit cardscredit card rewardscash back credit cardscredit card companiescredit card checkenthusiasticfrequent flier http://www.artwoo.com/article/electrifying-rewards-for-credit-cards Credit card companies have been making use of this fact to get more customers. Thus we have credit cards that provide rewards. and cards that help you earn points are a few of the popular bonuses. People are always about freebies of all kinds. So are in great demand. However, some points should be noted. One is that rewards are given to only those cardholders who are frequent users of their credit cards. Another is that there is usually some fine print involved. So even while you are thinking about that new cash back offer, see to it that you read the terms and conditions thoroughly.

Many of us are tempted by the potential rewards to spend more than they would have otherwise. A reward may become insignificant if you overspend your budget just to try and get that reward. Thus, it makes sense to thoroughly consider which of your expenses you should be paying using your credit card. Ideally, utilities like gas and cable, that is, expenses that recur, should be paid using the credit card. Check out your other expenses to see which you should put onto your credit card. Certain bills charge you interest if you pay via card. So before making the payment, ensure that you will definitely not cough up more interest than the rewards are worth.

Using up your credit card points is another thing that you must not ignore. It would be a shame if, after spending enough to collect those points, you did nothing to get the rewards. If you have collected any points, make sure you wring out the best value out of them. Most come with an expiry date. If you do not make use of your points by a certain date, all those points will vanish into thin air. Do not let that happen to you. Also, do not let your points disappear by your being a defaulter on the payments. Not only do late payments result in higher interest rates, it may also mean a farewell to the rewards you had been working for.

By all means, avail of the various credit cards that offer rewards. However, take care that they don't become a drain on your income. Do not spend too much and use your card wisely to make sure that you benefit from the maximum value out of your card. Don't let the rewards go to waste simply because you chose not to plan your spending sprees prudently. Look at the credit cards on offer at http://www.nationsfinance.co.uk/credit_cards/ on the http://www.nationsfinance.co.uk site. Learn about the amazing deals on cash back credit cards at http://www.nationsfinance.co.uk/credit_cards/cash-back-credit-cards.html ]]> What Are Credit Card Rewards http://www.artwoo.com/article/what-are-credit-card-rewards http://www.artwoo.com/article/what-are-credit-card-rewards#comments Sun, 16 Mar 2008 15:35:06 +0000 credit card purchasesfrequent flier milescredit card rewardsattractive incentivescash rebatespoints in timebusiness executives http://www.artwoo.com/article/what-are-credit-card-rewards attractive incentives for using your credit card for purchases.

are typically offered on a points system that is keyed into the total amount of purchases made with the credit card. The more purchases you make the more access you have to various levels or types of rewards. Thus, it is a good idea to know whether you are going to make beneficial use of a rewards credit card before you seek one out. Of course, in order to determine the potential benefits, it is important to know what kinds of rewards are available.

Types of Rewards

As far as the types of rewards or incentives, card companies offer a number of exclusive benefits and gifts to cardholders who decide to purchase a rewards type of credit card. Among them, there are at least five basic incentives: cash back rewards, , , gasoline rewards, and retailer rewards.

=95 Cash back rewards. These may be just most common form of credit card rewards offered by the card companies. Basically, the card rewards cash amounts based upon a percentage of the total . In some cases, this might mean a dollar for dollar percentage rate. (e.g. 1% of every $1 charged) With other packages, the cash back is awarded at specified after a certain amount of money has been charged. (e.g. $10 after $1,000 is charged to the card)

=95 Frequent flier miles. There are many credit cards that provide users with frequent flier miles that are accrued over time or on specific usage requirements established by the card company. These rewards can then be redeemed for plane tickets from participating airlines. This is a great feature for who travel across the country throughout the year.

=95 Points Rewards. With the points reward system, a certain amount of points is awarded based upon the amount of a purchase. These points can then be traded in or redeemed for all sorts of products, services, and cash awards. These might include travel discounts, gift certificates, merchandise, and limited-time services.

=95 Gasoline rewards. With this incentive, you can earn some breaks at the gas pump by making credit card purchases. Most of the time, some form of rebate is given on a percentage rate for every purchase made.

=95 Retailer rewards. Various businesses partner with credit card companies to provide an incentive for making purchases with the card and a percentage of each purchase goes towards providing a credit with the participating company. This could mean anything from groceries to cell phone or automobile purchases.

By knowing what types of rewards programs are out there, you will have a better concept of what sort of credit card will provide the most benefits for you. Take the time to research the various plans and be sure about what it is that you want to spend to obtain the rewards benefits. Peter Kenny is a writer for The Thrifty Scot, please visit us at http://www.thriftyscot.com/rewards-credit-cards/ and http://www.thriftyscot.co.uk/Loans/debt-consolidation-loan.html http://www.thriftyscot.com/178/022008/choosing-a-bad-credit-credit-card.htm= l ]]> Doing The Math On Credit Card Rewards http://www.artwoo.com/article/doing-the-math-on-credit-card-rewards http://www.artwoo.com/article/doing-the-math-on-credit-card-rewards#comments Thu, 19 Oct 2006 22:27:09 +0000 0 apr credit cardscredit cards 0 aprapr credit cardscash back credit cardsback cardscredit card rewardscredit card companies http://www.artwoo.com/article/doing-the-math-on-credit-card-rewards credit card companies and banks continue to flood the market with all manner of cards--rewards credit cards, , 0% --all in an effort to appeal to as many potential cardholders as possible by offering a wide variety of incentives for use. The major problem with the strategy, however, is that there's often little explanation of exactly how work in their respective programs: what's the difference, for example, between cash and rewards credit cards? And which card will, in the end, save you more? The variety and sheer number of rewards programs leaves some potential cardholders confused about the actual market value of their andquot;pointsandquot; values.

The most prevalent credit card rewards plans out there today fall into two different categories -- percentage-based rewards and points-based systems. The former offers a percentage of your money back on purchases in certain targeted categories, most commonly gas, travel, and in some cases entertainment. The latter offers a series of andquot;pointsandquot; for all purchases made, which can eventually be redeemed for reimbursements on various expenses, most commonly travel. The percentage rewards plans are fairly straightforward (except for a few obscure snags, such as how your cash actually gets back to you and how much you can earn in any given year through credit card rewards), but in the case of andquot;pointsandquot;, it's often difficult to determine exactly what you're getting for your purchases using a points-based rewards credit card.

But in the end, it all comes down to the numbers, specifically the math formula used to calculate the rewards. A good percentage-based rewards credit card will offer anywhere from 3-5% back on targeted purchases (again, commonly gas and travel.) If you spend $1,000 at the pump in a given year (which, with current gas prices, is a pretty low amount to spend on gas in a year), you'll earn $50 back in rewards at a 5% rate. For a year's worth of gas purchases, $50 isn't a huge amount of money, but it'll fill you up twice and it's certainly better than nothing.

Compare this to andquot;pointsandquot; systems. One points system (from Chase's Free Cash Rewards Visa) offers a rewards rate of 2,500 points for $25, with one point earned for every dollar of purchases. That's only a 1% rate of return on the money you put into the card. Certain airline credit cards offer a slightly better deal, such as American Express's Blue Sky, which allows you to redeem points (again, one dollar per point) in 7,500 increments for a $100 reimbursement on travel expenses, meaning about a 1.3% rate of return. Again, even a low rate of return can help to offset any expenses you may incur, and can make certain purchases essentially free. But 1.3% versus 5% -- you do the math.

On non-targeted purchases, points systems and percentage rewards credit cards even out, since most percentage reward cards offer a 1% rate of return on the majority of non-targeted purchases you make. And the andquot;pointsandquot; cards can offer a few incentives that a percentage rewards credit card can't, such as bonus points on sign-up, anywhere from 1,000 to 15,000 and up (depending on the value of a given points system, of course.) But, assuming that you frequently purchase the targeted items on a percentage rewards credit card (and who doesn't make frequent gas, travel, and entertainment purchases?), you've got a slight edge with percentage-based rewards programs.

Check all of the fine print and consider your specific purchasing needs, of course, but remember one of the first rules of finance: when dealing with credit card rewards, always look at the long term and make sure to do the math. Robert Alan recommends that you visit http://www.creditcardassist.com/rewards/creditcards.html for more information on credit card rewards. ]]> Every Business Needs Rewards http://www.artwoo.com/article/every-business-needs-rewards http://www.artwoo.com/article/every-business-needs-rewards#comments Fri, 27 Apr 2007 08:20:02 +0000 cash rewardsmaggiethis means thatbusiness cashchasedefrayfinancial stress http://www.artwoo.com/article/every-business-needs-rewards Maggie runs a desktop publishing business out of her home. Two of the items that Maggie uses the most are her computer system and her copier. The copier she bought second hand when she first began the business. Now it is doing well, and the copier is starting to break down more often, and Maggie is starting to think that continuing to repair it may mean throwing good money after bad. Maggie doesn't have sufficient capital to invest the it in the copier she really wants, but figures that if she could pay it over a six month period, she can get the one that is just perfect for her publishing business. After investigating several of the cards, she decided that a Business Card would be exactly what she needs.

Now that Maggie has her Chase Rewards Card, she pays 0% interest for the first twelve billing cycles. she can purchase her copier as soon as she finds it, and will not have to pay any interest for the six months that it will take her business to the cost. Also, using the card for this purchase and others, Maggie does not have to be as concerned that her customers come in at a steady rate. One of her customers gives her a great deal of business, but that order only comes once every two months. The reduction in that having a Chase Business Cash Rewards Card offers is considerable, since Maggie can continue buying needed supplies while waiting for another big order to come in.

In addition, the Chase Business Cash Rewards Card offers cash rewards! Well, of course it does. Maggie earns up to 5 points for every $1 that she spends using the Chase Business Cash Rewards Card, depending on how much is charged to the card every month. She is guaranteed at least 1 point for every $1 that is charged to the card, whether she uses it a lot or a little during the month. Every time the card accumulates 5000 points, $50 cash is returned to Maggie, as a thank you for using the card. The card also has other advantages, such as benefits when automobiles are rented, and other travel related benefits.

The Chase Business Cash Rewards Card can be a great asset for a small business, both in making the cash flow more flexible, and giving monetary rewards for business expenses. Devin Gilliland is editor for http://www.credit-wisdom.com To apply for business credit cards visit: http://www.credit-wisdom.com/creditcards/business-credit-cards.php For more information on this card visit: http://www.credit-wisdom.com/creditcards/chase.php ]]> Corporate Program Reward http://www.artwoo.com/article/corporate-program-reward http://www.artwoo.com/article/corporate-program-reward#comments Thu, 01 Mar 2007 14:27:02 +0000 corporate reward programsreward programgift basketsbudgeteuropean chocolatesemployee loyaltyrolled cigars http://www.artwoo.com/article/corporate-program-reward reward program can improve sales and production as much as forty-four percent a company can hardly afford not to have a corporate reward program.

The only reason a corporate reward program is because of the rewards.

When a company is trying to decide what rewards to offer there are a few questions they have to ask themselves first.

What is the for rewards? Corporate rewards programs are a booming industry. It is estimated that over one hundred billion dollars are spent on corporate rewards programs each year. The companies budget is going to play a large part in the type of rewards they are able to offer their employees. Another thing that must be considering when looking at the budget; are you going to reward individual efforts or will this be a group reward.

How often are you planning on awarding corporate rewards? The frequency rewards are going to be offered combined with your budget might be the deciding factor about the type of reward the company is able to offer.

What type of rewards are your competitors offering? If you are using your corporate reward program to reward it only seems fair that you offer you employee rewards that are comparable to the ones your competitor's employees are receiving. You also must remember that new applicants often look at when they are considering employment. It won't look good if you're giving your best employees pencils and pens while your competitors are handing out elaborate .

A corporation can choose to offer standard gifts such as gift baskets, chocolates, and flowers to their employees. They could also opt to reward their employees with something a little more exotic like hand or .

If a company is rewarding group efforts cooking classes and Maybe your employees would rather have a vote in the reward. A company could offer a list of reward options. Perhaps they should consider handing out a gift card or prepaid credit card with a predetermined denomination.

Most employees say that the rewards they prefer the most are travel rewards. There are travel plans for all budgets and taste. On a lower monetary scale a company could offer a weekend stay at a nice bed and breakfast. At the other end of the scale is an all expense paid trip the Indianapolis 500. If a corporation is really at a lost for a reward they only have to remember one thing. Nobody ever complains about getting an extra cash bonus.

If a corporation has hired a company to design a successful corporate reward company that same company might offer corporate program rewards as a part of the package.

Whatever the reward the company decides to use it will be the icing on the cake. The true reward will be having a working environment that is full of happy employee's who go through the work day with a sense of competitive camaraderie. Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.travelvacationvouchers.com and http://www.salesincentivesblog.com. ]]> Credit Cards With Rewards -- Are They Worth It? http://www.artwoo.com/article/credit-cards-with-rewards-are-they-worth-it http://www.artwoo.com/article/credit-cards-with-rewards-are-they-worth-it#comments Mon, 08 Sep 2008 12:43:21 +0000 interest rate comparisoncredit card usersloyalty rewardsinterest credit cardcost of flightscredits cardsreward cards http://www.artwoo.com/article/credit-cards-with-rewards-are-they-worth-it Credits cards are available that offer all sorts of "rewards" according to how often they are used to make purchases. Popular rewards are airmiles or discounts off the , but the variety is practically endless, with many stores and retailers also offering "loyalty" rewards for using a credit card issued in their name. Some cards will even earn you discounts on the purchase of a new car.

However desirable some of the rewards might be, though, the question is whether they are worth it. For the answer to this question, it is instructive to look at the rate of interest applied to purchases made on credit cards with rewards and compare them to those without. Although there are any number of cards offering some sort of reward or loyalty bonus, the lowest rate of interest on such a card is likely to be in the region of 15% APR. This is some 7-8% more in interest than you would pay for a very basic, low- and infinitely greater, of course, than you could enjoy on the zero-percent rate of interest on introductory offer with many other credit cards. Across the whole range of , moreover, the becomes even more alarming, with some exceeding well over 30% APR.

If you are a regular (which you would need to be to earn sufficient points for worthwhile rewards) and paid interest at these sort of rates, then it would certainly be worth giving serious consideration to choosing a much lower-interest credit card that does not offer rewards, and use the difference in saved interest payments to buy what it is you really need.

However, that reference to interest rates is also relevant to circumstances in which reward cards could more than usefully pay for themselves. If you are the kind of credit card user who always pays off the whole of the balance on the card before payment is due, and who therefore never pays any interest, the rewards for using the card are genuinely free.

If you are not sure whether you can maintain the discipline of paying off the whole of the balance on your credit card each month, then an alternative worth considering is the cash-back credit card. Similar in principle to the reward credit card, a cash-back card pays back in ready cash a certain percentage of whatever has been spent on the card each month. However, with the best cash-back rate currently running at around 5% on spending that attracts almost 19% APR in interest, it is clear that you will still be paying quite handsomely for the use of the card -- that is, of course, unless you are in the habit of repaying outstanding balances, avoiding interest paying, and pocketing the very handy 5% cash-back.

Credit cards with rewards -- and their family members, cash-back credit cards -- can, therefore, be worth it, especially if you maintain a fairly strict regime of repaying any balance on the card before it starts to attract interest.Confused.com is one of the UK's biggest and most popular price comparison services. Confused.com helps consumers save money on everything from Credit Cards to Mortgages.]]> Tips on Finding a Cash Back Program http://www.artwoo.com/article/tips-on-finding-a-cash-back-program http://www.artwoo.com/article/tips-on-finding-a-cash-back-program#comments Sun, 07 Sep 2008 14:43:21 +0000 renewable energy incentivescash back rewardsresidential incentivesbusiness incentivesloyalty pointscash rewardsreward programs http://www.artwoo.com/article/tips-on-finding-a-cash-back-program reward programs. In other words, with a cash back credit card, you get various benefits and rewards from the credit card company.

There are various services and products permitted for the cash back reward programs. The eligibility criterion completely depends on the policies of the credit card company. In addition, every credit card company has diverse selection criteria.

Benefits:

In today's expensive world, every individual requires extra money. With cash back reward programs, everyone may have the opportunity to earn some extra money. Due to this, such programs have become very popular among masses. , and are certain types of cash back programs.

These programs help to save money on day-to-day bills. For instance, there is a program named Energy program, which offers cash back reward programs, if you buy any energy saving product. It also has discount facilities on certain purchases.

You receive rewards in the form of cash back, if you go shopping. Next, shopping helps to accumulate rewards in the form of points. Introduction of such cash back programs provide you with some of the best offers and deals.

There are certain websites that offer you . You receive cash in place of rewards. You may use these rewards for donations. If you utilize the cash for donations, these websites may double your and indirectly you support a noble purpose.

Tips to Choose a Credit Card offering Cash Back Reward Programs:

Below mentioned are a few tips to choose the right credit card, which offers :

1. Try searching for a cash back card without any annual fee.

2. If there is any annual fee, try comparing it with the benefits offered. This will help you in getting maximum cash back rewards.

3. Check out the benefits that the cash back credit card company offers.

4. Go through all the terms and conditions of the cash back credit card and try understanding the policies of the card company.

It is tough to predict for which cash back credit card is the best, since different credit card companies offer different cash back programs. Therefore, you need to look at the resources of these programs. Keep in mind that cash back credit card companies offer rewards only if you use the card for purchasing purposes. Another thing to remember is that, cash back credit cards offer lesser percentage on purchase of medicines or drugs.

None of the cash back cards comes free, as you need to pay a rate of interest and card fee. The more you spend with this card, the more cash or reward points you receive. You may utilize these points to buy anything that you want.

Overview:

Whichever credit card company you choose, remember that every reward program has its advantages and disadvantages. You may have to avail these cash back rewards from particular locations. By using your cash back credit card more frequently and sensibly, you have a brighter chance to win more cash rewards.Find rewards credit cards and more of Tom's work at FINDcashbackcards.]]> Benefits of Using a Rewards Program When Shopping Online http://www.artwoo.com/article/benefits-of-using-a-rewards-program-when-shopping-online http://www.artwoo.com/article/benefits-of-using-a-rewards-program-when-shopping-online#comments Sun, 09 Nov 2008 04:50:22 +0000 rewards programretail websitelocal mallparking spaceamount of moneystorefrontbottom line http://www.artwoo.com/article/benefits-of-using-a-rewards-program-when-shopping-online parking space. There are far more products available online than you would find in your and this means you have a better selection. You can also save a huge , if you know what you`re doing.

Why a ?

You`ll notice, when doing your shopping online, that there are two main types of websites where you can buy. The first is the retail site, which is owned by the company that sells the products. These are websites that are set up like a . A offers the products and sometimes has special offers that you can take advantage of, such as free shipping, etc.

The second type of online shopping site is a rewards site. This is where you can sign up to get special offers and to earn points and rewards for shopping online. The benefits are huge since you can actually earn a return on your regular shopping activities. In fact, it doesn`t make much sense to shop directly on the retail site . . . not when you could be reaping the rewards of shopping from that same retailer, simply by going through a rewards site.

The benefit of this is that you get rewards for shopping and still get the special offers that are available on the actual retail site. So, if the main website is offering a 50% off sale, you can shop this via the rewards program and get not only the 50% off, but also earn points or get cash back! It`s a win-win situation.
How a Rewards Program Works

The idea is quite simple, really. You need to sign up with a rewards program, first. Then, when you are going to do your shopping online, your purchases will go through that program. You don`t lose any money this way, in fact, you`ll actually be gaining!

Each rewards program is different. Most offer a points system where the points can be turned in for a prize or product or even cash. Others offer a straight rebate or cash-back offer. The , though, is that when you do your shopping online through a rewards program, you are going to be getting rewarded for doing something you would have done anyway . . . buy things online!

Earning money or incentives for simply doing the same shopping you would have done otherwise makes these types of programs quite popular. You can end up saving a lot of money, or even earning some of it back. If you shop online regularly, you can really end up with some great prizes or quite a bit of savings, depending on the

Sadly, many online shoppers don`t realize the amazing benefits of rewards programs and ignore them, preferring to lose out and shop on the actual retail site directly. Big mistake. It`s important in today`s economy to squeeze as much value as possible out of every penny spent, both online and off. Rewards programs make this quite simple to do when shopping online and it`s a good idea to take full advantage of this opportunity.

Online shopping can be a huge time saver, but it is also important to check out your options for saving while doing your online shopping. A rewards program makes this extremely easy and is a very simple option that can bring some great benefits. It`s definitely worth checking out if you want to make the most of your online shopping experience.Canadian Online shopping mall offering reward miles - points for purchasing through their online stores. Stores offer products related to Apparel, Auctions, dell computers, and Electronics.]]>