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Most credit card agencies offer at least one card within their credit card selection that provides rewards points. Capital One, Visa, MasterCard, Wells Fargo most bank-backed credit cards offer a rewards program. Check with your credit card company to see if they offer a program or if you are thinking of applying for a card, check with the company.

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Q: What credit cards off a reward program?
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No annual fee credit cards can come with quite a range of rewards and reward programs. You can get anything from a check to pay off some of your mortgage to a gift card.


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Typically credit card reward programs are 1-2% of purchase while interest rates, APR, on credit card balances are in the mid-teens to low twenties. If the credit card balance is paid off monthly then it would be worthwhile to get the card with the reward program and higher interest rate since the higher interest rate would have no effect. However, if there is a monthly balance carried on the card then the interest charges will in most case be greater than any reward benefit so the card with the lower interest rate would be more suitable.


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