SOURCE: Informa Research Services, Inc.

Informa Research Services, Inc.

December 15, 2009 14:54 ET

Use Rewards Credit Cards to Give & Get This Holiday Season, Suggests Informa Research Services

Take Advantage of Credit Card Rewards Programs to Give Back to Yourself While You Give to Others This Season

CALABASAS, CA--(Marketwire - December 15, 2009) - Rewards credit cards programs can help take the edge off your holiday spending this year if you use them responsibly. With a rewards credit card, your usual holiday spending could earn you free travel, certificates to your favorite store, or statement credits. Here are some helpful tips from Informa Research Services to ensure you get the most out of your credit card rewards program this season (

Check card rate and fees.

Before signing up for a rewards credit card, ensure the rate or any annual fees do not nullify the possible rewards. Shop around before applying for a new credit card purely based on the associated rewards program. Online rate tables are one useful tool to help you quickly locate and compare available credit cards. Furthermore, rewards cards may carry with them extremely high annual percentage rates (APRs). If your card does have an extremely high APR, cut unnecessary costs by paying your card in full every month.

Be aware of redemption process.

Credit card rewards programs typically consist of earning points per amount purchased. These points can be redeemed for cashback, travel, or retail rewards. Some programs automatically send you a reward every time you reach the redemption limit, but many require cardholders to request a reward. Be sure you know how to redeem your points & if there are any limits or restrictions. Also, be aware of point caps and expiration periods.

Don't get sidetracked.

Remember that reward programs are supplemental to your regular credit card; do not spend with the purpose of gaining a reward. Be vigilant of your spending regardless of what rewards you may be eligible for after that next statement.

Take advantage of credit cards rewards programs, and treat yourself to a few presents this season!

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About Informa Research Services, Inc. (

Since 1983, Informa Research Services, Inc., has provided the financial industry's most extensive array of market research and decision-support information.

Contact Information

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    Calabasas, California 91302-1942