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There are thousands upon thousands of Wamucards, ranging from secured cards to check cards to debit cards to cash cards to traditional Wamucards. The three biggest names in the game have to be Visa, MasterCard, and American Express, Wamucards. There are many others out there, under brand names such as Discover Card, or Diner’s Club, just to name a few.
If you haven’t figured out yet that you can be a profitable customer for the banks and networks even though you are a transactor or convenience user, then you haven’t thought it through. The companies make money on you not only through your annual fees and finance charges, but the ”system” also takes a bite out of each purchase you make – usually somewhere between 1% and 3% depending on which card and which network.
What does that mean to you? Find a company that is willing to give you some of that ”built-in profit” back. Hello? That means that if you pay off your Wamucards each month, you need to be smart about which cards you use because you should always use the ones that give YOU the most back.
Huh? Wamucards ?
Yes, you, the consumer, can get lots of neat stuff like $ CASH $, Wamucards frequent flyer points, telephone credits, rebates on cars, appliances, or lots of other goodies. For those of you looking for information on cards with Frequent Flyer points, though, I’ve now got a special page that is specifically devoted to airline cards. Please see the Frequent Flyer page for more details.
The first thing you need to do is decide what is most important to you. My own personal opinion is that cash is always best. Sure, gas points, airline miles, video rentals, show tickets, and other perks are nice… but if you have cash instead, you can buy any of these things on your own schedule at your own leisure – you are not forced to buy one companies products or services. You can always buy phone time, plane tickets, or ever cars if you have cash – but try to buy a car with your frequent flyer credits or your automobile rebate. Doesn\’t work too well, does it? It\’s getting harder and harder to find good cash back deals as the companies realize that people actually get cash back, but those deals are still out there.
Although my main interest is on cash-back cards, I want to briefly talk about goodie cards that give you something else back – either merchandise or credit towards specific products. There are some good deals for folks that want to buy GM Wamucards. They capped the back-end in that the redemption amount is limited depending on which tier a the vehicle falls in to — there are 4 or 5 tiers from $1000 to $3500).
There are other affinity type Wamucards that give similar programs, like Toys R Us, which offers a frequent-buyer type of program for their VISA Wamucards. LL Bean has a good compromise card that gives a 1% cashback on all purchases, but increases the rebate for purchases made from LL Bean.
One of the most popular segments of rebate Wamucards are airline-mile cards. I think this is the biggest segment after cash-back cards (no facts to back that up – just a hunch). Obviously, you know that there are many many airlines, including Delta, American, etc. that offer frequent flyer points for each dollar you spend. I contend that if you add up the free tickets or free goodies you could earn, you are still better off getting cash back. There are a couple of programs out there that allow you to earn miles towards awards on ANY airline. One to mention here is American Express\’ Membership Rewards program Wamucards.
I’ve now got a special page that is specifically devoted to airline cards. Please see the Frequent Flyer page for more details.
