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Are you looking to maximize your credit card rewards?
Option
1:
[  Improved! Blue Cash® from American Express - Earn significantly more in cash rewards]
- Earn a 1.5% to 5% cash reward on all purchases once your year-to-date purchases exceeds $6500
- Earn a 0.5% to 1% cash reward on all purchases for the first $6500 of purchases
- Earn Unlimited Cash Back Rewards
- 0% APR on purchases for 6 months
- No Annual Fee
In-Depth Card Review:
• Improved 2-tiered cash reward structure
Your cash reward for a purchase is based upon your prior spend at the time of purchase and the type of purchase as follow:
Year to Date Purchases |
cash reward on Everyday Purchases |
cash reward on All Other Purchases |
$0 to $6,500 |
1% |
|
$6,500 to unlimited |
5% |
1.5% |
Everyday purchases are purchases made at U.S. supermarkets, gas stations and drug stores that are not departments of superstores or warehouse clubs.
• Earn more rebates with the 1.5% cash reward tier
As shown in the table above, once your year-to-date purchases exceeds $6500, you would begin to earn 1.5% cash reward. That's 50% more than traditional flat 1% cash reward cards. This means if credit card spending is greater than $13,000 a year, the Blue Cash® from American Express card can earn you significantly more cash reward. Take a look the comparison table below:
Total purchases
in a year |
Total cash reward
w/ a flat 1% cash reward card |
Total cash reward
w/ American Express Blue Cash |
$13,000 |
$130 |
|
$26,000 |
$260 |
$325 (25% greater) |
$39,000 |
$390 |
$520 (33% greater) |
$50,000 |
$500 |
$685 (37% greater) |
As you can see from the table, if your annual credit card spending is $26,000, you would earn 25% more in cash reward. This card is most likely the best cash reward card for you if your annual spending is high.
• Earn cash reward on up to $50,000 of purchases
Most cash reward credit cards would cap the cash reward rewards to $300. As you can see from the table above, this card's cash rewards cap is significantly higher. That's why if your annual spending is high, this card is most likely your best deal.
• Earn 5% cash reward on everyday purchases too!
This card also let you earn 5% cash reward on purchases made at U.S. supermarkets, gas stations and drug stores, but only when your total year-to-date purchases exceeds $6500. The 1.5% cash reward tier is the most attractive feature for this card.
• Get Return Protection when you shop with the card
American Express goes beyond the traditional shopping related benefits such as warranty extension, and protection from accidental damage and theft. This card also features Return Protection coverage --
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling.
• No annual fee and 0% Intro. APR on purchases for 6 month
The features this card offers is enough to make it one of the top cash reward credit card. As an added incentive, you can make purchases with this card for 6 months and pay no interest.
The Bottom Line
"The Blue Cash® from American Express card offers a tier where you can earn 1.5% to 5% cash reward. It let you earn cash reward on purchases up to $50,000 in each calendar year. If your annual spending is high, this card would the best deal for a cash reward credit card -- it could earn significantly more cash reward than other cards."
Follow
the link below to apply online or to get more detailed information
Secure Online Application:  Click Here to apply Blue Cash® from American Express card
Option
2:
[ Starwood Preferred Guest® Credit Card - the most sought after mileage credit card! ]
- 10,000 Bonus Starpoints after first purchase
- No Annual Fee first year (annual fee only $30
after the first year)
- Earn 1 Starpoint for every dollar charged
- Convert Points to Miles! (20,000 Starpoints
=> 25,000 Miles!)
- Return Protection benefits
"This is the best mileage credit card, period! The Starwood Preferred Guest® Credit Card earns you more miles than any other card, and with the lowest annual fee."
Points to Miles Conversion
The Starwood Preferred Guest® program is an frequent guest program
in which you can accumulate Starpoints for free hotel stays at luxury hotels
such as Westin, W Hotel, Sheraton, St. Regis and more. One amazing feature
of this program is you can redeem your Starpoints for miles of over
25 major mileage programs(AA, UA, USAir, Delta, Northwest, Alaska..
you name it). Most exchange rates are 1-to-1 with no penalty
and no fee. The minimum number of points to transfer each time is 2500 points.
It gets even better when you transfer 20,000 Starpoints to miles, because
you will get a 5000 miles bonus. Essentially, 20,000 Starpoints would
get you 25,000 miles! It's not surprising Starwood Preferred Guest® program has been awarded the Freddie Award in the best award category. This
category honors a Freddie to the points to miles conversion which has become
popular among Preferred Guest members.
Redeem Starpoints for free nights
Redeem Starpoints for free hotel stays is also a smart thing
to do, which you can do online and the process
is very easy. There is no blackout dates or availability restrictions!
This is a BIG plus as you might find sometimes redeeming miles/points
may become a frustrating experience due to all the blackout dates and availability
restrictions. Use points for free hotel stays also make economic sense. For
example, a $180/night hotel room would cost 7000 points per night, that translates
to a value of 2.5 cents per point! (Compare that to miles, valued
~1.5 cents per mile) Free nights starting as low as 2,000 Starpoints.
Highest Mileage Earning Power, Lowest Annual Fee
With every $1 charged with the Card, you earn one Starpoint.
Since 20,000 Starpoints can get you 25,000 miles, that means your
earning power is basically 1.25 miles/dollar! There is no annual
fee for the first year, and it is just $30 thereafter! There simply
isn't any other card that can beat this level of earning power or the annual
fee. That makes this the most wanted mileage credit card!
Exclusive Starwood Preferred Guest® Credit Card Benefits:
* Return Protection - 90-day return guarantee for full
purchase price upto $300 per item!
* Purchase Protection - 90-day insurance on items you
buy against for accidental damage to or theft
* Buyer's Assurance Plan — Extends the manufacturer's warranty
on many items for up to one additional year.
* Purchase Protection Plan — Receive coverage for damaged
or stolen purchases - at no additional charge
* Car Rental Loss and Damage Insurance — Simply decline
the rental company's full Collision Damage Waiver
This card is truely the best! I tried to apply for this card
three times over a 2 year period, and finally I am approved of this card.
Now, I can cancel some of the high annual fee cards, and this is the one I
will keep for a long time to come. If you are not yet a Starwood Preferred Guest® member, don't worry. When you are approved, you will be automatically
given an Starwood Preferred Guest® membership number, which would be linked
with your new Starwood Preferred Guest® Credit Card.
Follow the link below to apply online or to get more detailed information
Secure Online Application:
Click Here to Apply American Express Starwood Card
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