Reward credit cards allow cardholders to earn points for their spending, which can then be redeemed for cash back, travel rewards, merchandise or donations to charities. The process works by applying for a rewards card, using it to make purchases, and earning more points the more is spent, especially at affiliated stores. Cardholders should pay their balance in full each month to avoid fees and make the most of their rewards. Different cards offer varying rewards depending on a cardholder's annual spending, from limited benefits for lower spending up to luxury perks for high spending. Points can be redeemed for cash back, travel like flights or airport lounge access, retail discounts, or donations to charity.

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3. What is Reward Credit Cards? 02 Introduction about reward credit cards. Reward credit cards are incredible for even if you purchase and spend using your card, you will still earn points. Some may offer you a free flight, gift and cashback! What is the main goal? Reach the maximum quantity of points for every penny you spend.

4. How do Reward Credit Cards Work? 03 The main process of reward credit cards. The process is just as easy as 1,2,3: Apply for a new reward credit cards Shop using your card Spend at affiliated stores and airlines to double your points How to earn points? More dollar spent, the more points earned. But remember what you should NOT do: Make purchases purely with the intention of earning points

5. How to Use Your Reward Cards? 04 Helpful guidelines on how to use reward credit cards. Spend on your card. Take advantage of bonus points. Use your points. Start using your credit card on fuel and grocery purchases. Use your credit card on the affiliate stores to double up your points. If your rewards don’t expire, save them up to redeem a larger reward.

6. How to Use Your Reward Cards? 05 Continued… Pay off your balance each month. Read the terms and conditions. Balance transfer and cash withdrawals. A must on any credit card, or else your unpaid debt will result to cancellation of the benefit of your reward credit card. Know exactly how your reward credit card operate to take full advantage of it. If there are other transactions that you are not going to earn points with reward credit cards, they are balance transfer and cash withdrawals.

8. Point Redemption Options 07 Cashback Redeem your accumulated points for cash. It may be paid back as a cheque, monthly or yearly, depending on how your provider operates. Air miles and travel rewards Travel rewards can be redeemed with affiliated travel operators, and get a cheaper or FREE flights! Enjoy a VIP airport lounge access too which you can take advantage of. Merchandise Earn discounts at the time of purchase or get freebies for shopping on retail stores. Charities Donate while you spend. Provide your rewards to the charity which also serves as a donation for your every purchase.

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