This blog is US specific. Without too much blurb, the best rewards programs in the credit card/debit card et. al segment is the Chase Ulimate Rewards. It is easy to accumulate, has good credit cards in it and redemption options are great.
The top two
Ultimate Rewards program has lot of redemption options including cash, gift cards and most importantly transfers to other partner airlines and reward programs. This is an extremely valueable tool to keep your reward points from expiring. The program itself is simple and easy to enroll and available with credit cards such as Chase Freedom, Chase Sapphire and Chase Preferred. It is also available with the Chase Ink and Chase Bold business cards. Since this blog is not affilated with anyone at the moment, I am not going to link all the cards. They can all be found in the Chase website.
Close runner up is the American Express Membership Rewards Program. Like the Ultimate Rewards, this also has transfers, cash back option (not too useful!) and the gift cards (some good and some not so much). Gathering this points is a bit of pain though.
Other Notable programs
Citi Thankyou points are very useful, especially when redeeming to Mortage or Student Loans besides giving a lot of gift card options.
The Discover Rewards Program is very similar to the Citi Thank you Rewards program in terms of redemption options. It has an added benefit of being directly redeemable at Amazon. This is a standard template for other rewards programs run by Barclays, US Bank and others.
The Bank of America cash back programs or the cash back programs run by regional banks or credit unions are also notable for their simple cash back rewards structure.
No comments:
Post a Comment