The Advantages of Using a Rewards Credit Card

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More and more people are beginning to see the value of signing up for a rewards credit card. Credit cards that offer a rewards program can help you stretch your budget and when used properly, can actually pay you for spending money. Of course, the point of getting a rewards credit card is to treat yourself to the perks of the rewards program. The best way to make sure you get the most out of your rewards credit card is to pick the right one and make sure you pay it off each month. Then use it to your greatest advantage and avoid possible pitfalls such as leaving points unused. Robins Financial Credit Union has excellent rewards programs that we are proud to offer our members.

The Right Card For You: The greatest benefits of a rewards-based credit card are the actual rewards. Make sure the credit card and rewards program you choose fits your financial lifestyle. If you travel a lot in your free time, maybe a hotel or airline card is a good fit for you. A gas rewards credit card might be best for those who drive a lot. With a Robins Financial Credit Union Visa® Rewards Platinum you get paid back for using your credit card with our ScoreCards® Reward program. For every dollar you spend on purchases with your Robins Financial Visa® Rewards Platinum credit card, you’ll earn points. You can even keep track of how many points you have earned in Digital Banking. With the ScoreCards® Reward program you can redeem your points for merchandise, gift cards, travel opportunities and other experiences.

Know How Your Card Works: A rewards credit card offers very little benefit if you are charged high fees and high interest rates on your balance. The value of your points at the time of redemption may not even cover the cost of the fees and interest charges, so you may actually lose money. Steer away from these cards and find a card that actually rewards you. At Robins Financial Credit Union, we’ve created a credit card that provides the perks you want, but maintains a low-rate. Our Visa® Rewards Platinum credit card was designed for those that need to carry a credit card balance occasionally without the penalty of high-interest rates or crazy annual fees. Plus, it’s loaded with perks that other banks and stores won’t provide with such a low-rate credit card.

Use Your Rewards Card Wisely: Even with the bells and whistles, keep in mind that a rewards credit card is still a credit card. That means doing everything possible to pay off your entire balance every month. People who keep revolving balances aren't getting the most out of their rewards and are usually paying a higher interest rate. Most issuers fund credit card rewards programs by charging higher interest rates on rewards cards. If you pay off your balance in full every month, you'll pay no interest. When you cash in your rewards points, you will basically get paid to spend money. What could be better? We’re here to help you make better financial decisions. And help you gain access to the financial tools that help make those decisions possible. That’s why we’ve built a credit card that offers all the perks you want with a low-rate. Robins Financial Credit Union is on a mission to deliver better banking to everyone. A Robins Financial Credit Union Visa® Rewards Platinum is one of the best credit cards you can carry. Accepted worldwide, enjoy a low, non-variable rate on our Visa® Credit Cards. You can review our Visa® Rewards Platinum credit card benefits and apply for one today.

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