3 Benefits of Having a Reward Credit Card

In today’s increasingly fast-paced fiscal world, it is imperative that you have a credit card – and the best one to have is a reward credit card. Reward cards are great for those who want to actually benefit from using plastic over cash money. With today’s crowded credit card field, you, the holder, can really reap the rewards while spending wisely.

Let’s take a closer look at the top three benefits of having a reward credit card.

Receive Cash Back

Many rewards cards are offering varying amounts of cash back depending on the products you purchase. For example, card companies will reward you with two percent cash back on gas purchases or three percent on groceries. While these percentages do seem rather small, they can really add up the more you use the card.

However, you need to be a responsible cardholder and purchase only what you can afford to pay back at the end of the month. It may be tempting to buy just for the sake of buying, but you will be doing yourself a huge disservice if you can’t actually afford the merchandise. You’ll be using your cash back to pay down your credit card bill, which defeats the purpose of a cash back reward.

Fly Me Away

One of the most popular types of reward credit card is the one that offers flyer miles. For those who are big into traveling, this type of reward is very useful and ultimately saves them tons of money. Business professionals and site-seers are all over the deals that abound from these credit cards.

Ever want to see Europe in the spring? How about visiting the Big Island? Maybe South America is more your idea of travel? Whatever the country, wherever the plane is going, start racking up those miles and start planning your dream trip.

Earn Points

Instead of flyer miles or cash back, you can earn points for every dollar spent. These points can be used for a variety of things ranging from electronics, jewelry, airline miles, clothes, gift certificates, or whatever else your heart desires.

If you don’t want to go with one of the mainstream credit cards, you can always opt for a store card that offers points as rewards. These cards are great at building your credit little by little while still offering you benefits and incentives.

Don’t be afraid of using a reward credit card program. They offer so much more than just the ability to charge the essential items you need. You can earn cash back, frequent flyer miles, and points to use on rewards you really want and will actually use. Apply today and use responsibly.

How to Buy Jewelry Online

When you are shopping, it’s important that you know how to buy jewelry online. It is especially helpful if you to know tips and trick if you don’t already know how to buy jewelry online. The selection and savings potential found online will put any brick and mortar store to shame. The easy part is to access the items online, the hard part is being able to discern between good and bad quality items.

Be Sure To Buy Quality

If you are shopping for fine jewelry online, other than the look of the piece is the quality. While quality is of the utmost importance when buying any type of jewelry, it is also, often the most difficult part of the transaction to be successful. The best and most effective way that you can ensure quality is to do research. Read reviews, people are more than happy to tell other shoppers the good, the bad and the ugly about a company. This is especially true if what they sell is high end and high cost. If you are concerned about reviews on the site itself being biased, do a simple search and look for reviews that way.

Don’t Rule Out Costume Jewelry

If you do not necessarily have to have high quality jewelry, be sure to look online for good costume jewelry to round out your personal collection instead. With the advancements in simulated stones and metals, it is very difficult for an everyday person to tell the difference between the real deal and a knock off. As an added bonus when you buy jewelry online, costume jewelry is more plentiful and therefore much easier to locate and purchase at better prices. Being open to purchasing costume jewelry online, can greatly improve your personal jewelry collection.

Always Protect Yourself

One of the best ways to protect against fraud is to pay via an online payment site. These sites often have an approved list of sellers or shops and stores that they deal with. When you buy jewelry online through those specific stores or sellers, the payment site offers a guarantee of sorts. If you are not happy with the merchandise because it was not properly described or broken or the wrong item was sent, they act as a mediator and get you a refund or repayment if that is what is needed. Also, on the topic of being safe, if you decide to buy jewelry online via a classified ad, make sure that you meet in a safe place, a jewelry store if possible, and that you take someone with you.