{"id":66,"date":"2019-02-26T17:57:06","date_gmt":"2019-02-26T17:57:06","guid":{"rendered":"http:\/\/searchlookup.co\/?p=66"},"modified":"2019-02-26T17:57:06","modified_gmt":"2019-02-26T17:57:06","slug":"which-card-benefits-are-right-for-you","status":"publish","type":"post","link":"http:\/\/dsmcredit.com\/?p=66","title":{"rendered":"Which Card Benefits Are Right For You?"},"content":{"rendered":"\n<p>For many, a qualifying for a first credit card is a rite of passage, \nmuch like learning to drive or owning a first home.&nbsp; It&#8217;s important to \nremember that using a credit card can be more than just a way to delay \npayments and boost a credit history; using a credit card can provide \ncardholders with a host of benefits in cash, merchandise, travel and \nmore:<\/p>\n\n\n\n<ul><li><strong>MERCHANDISE REWARDS&nbsp;<\/strong>&#8211; Many companies offer \ncardholder rewards that reflect the amount of money charged on the \ncredit card.&nbsp; Some credit card companies send out a quarterly catalog \nfor merchandise that can be \ufffdpaid for\ufffd using points accrued on the \naccount.&nbsp; Cardholders can use points for luxury goods like watches and \nhandbags, electronics and computers, or even gift cards to your favorite\n stores (or favorite stores of family and friends, for gift-giving).<\/li><\/ul>\n\n\n\n<ul><li><strong>TRAVEL REWARDS<\/strong>&nbsp;\ufffd Some credit card companies offer \ntravel certificates for airlines, hotels, rental cars, or even cruises \nand travel packages.&nbsp; By using your card, you accumulate points that can\n be traded in for travel rewards. &nbsp;So paying for your groceries or gas, \nor even using your credit card to charge the expenses of one vacation \ncould help pay for your next vacation!<\/li><li><strong>CASH BACK<\/strong>&nbsp;\ufffd For large purchases (or even small \nones, which can add up significantly over time), it may be worth \nconsidering a credit card with a cash back incentive.&nbsp; There are \ncompanies that provide their cardholders with a percentage of their \npurchases in cash back each year.&nbsp; Some cards offer cardholders up to 5%\n of their purchases in cash back rewards, which translates to a $250 \nreward on a $5,000 purchase!<\/li><li><strong>AFFINITY&nbsp;<\/strong>&#8211; Credit card companies will often \naffiliate with an alumni association, university, sports team or \nprofessional organization.&nbsp; Cardholders can obtain a credit card that \nrepresents an organization for which they have an affinity (which is \nwhere the affinity program name comes from!). &nbsp;Cards might have a \nuniversity logo or sports logo, which is easily recognizable when the \ncard is used (and can become a conversation piece or a way to show your \nloyalty to your alma mater or favorite team).&nbsp; And the organization \nbenefits when they receive a percentage of the amount charged by \ncardholders.<\/li><li><strong>CHARITY<\/strong>&nbsp;\ufffd If you have a love for a particular \nnon-profit cause, you can obtain a credit card that donates a portion of\n cardholder charges to a nonprofit.&nbsp; From breast cancer research to \nanimal welfare, there are cards that provide financial support to a \nvariety of charitable organizations, and any charges you make help your \nfavorite charity.<\/li><li><strong>SAVINGS AND COUPONS<\/strong>&nbsp;\ufffd If you find that you&#8217;re doing\n a lot of your shopping at one particular store or chain, it could be \nworth it for you to apply for their store credit card.&nbsp; Some stores \nprovide credit card users with coupons that are exclusive to their \ncardholders, offering a percentage discount, free items with purchase or\n more.&nbsp; &nbsp;Applying for a store credit card is often a simple process, \ncompleted in a just a few minutes when you check out.&nbsp; The line of \ncredit is available immediately, and many stores will even provide you a\n discount on the purchase you make when you apply for their credit card.<\/li><li><strong>PAYMENT DEFERRAL \ufffd&nbsp;<\/strong>There are stores that offer \npayment deferral for up to a year or more on large purchases.&nbsp; For items\n like furniture or appliances, this allows you to wait months before any\n payment is required, which can earn you interest on money you&#8217;re \nsaving, or give you a chance to save up for a big purchase that you \nreally can&#8217;t wait for (new dishwasher or oven, anyone?!).<\/li><\/ul>\n\n\n\n<p>Many individuals obtain credit cards as a way only to essentially \n\ufffdborrow\ufffd money that they can pay back at a later date.&nbsp; But with some \nresearch and savvy shopping for the right credit card, consumers can \nfind a card that offers them even more!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many, a qualifying for a first credit card is a rite of passage, much like learning to drive or owning a first home.&nbsp; It&#8217;s important to remember that using a credit card can be more than just a way to delay payments and boost a credit history; using a credit card can provide cardholders [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":67,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/posts\/66"}],"collection":[{"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=66"}],"version-history":[{"count":0,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/posts\/66\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"http:\/\/dsmcredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/dsmcredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}