Credit Card Rewards FAQS

The Exxon Mobil Smart card gives you “6 cents per gallon” savings, if you buy at least 45 gallons of gasoline per month. If you buy less, you won't get rewards. Instead of this we would recommend you get a general rewards credit card, which you can use to earn rewards on all purchases including gas. Such cards do not usually have caps or additional requirements, but they may have rotating categories allowing you to earn and save more.

If you have doubts about whether to apply for a Sunoco Rewards Credit Card, then consider your usual spending habits. This card offers 5¢/gallon discount on all Sunoco gas stations. You need to drive a lot for this card to justify itself and always fill up at Sunoco. You won't see Sunoco rewards as a statement credit (unless there won't be a way to give you 5¢/gallon discount for any reason) nor you can redeem your rewards anywhere except Sunoco gas stations. If you are not Sunoco frequent customer, a general card will give you just as many rewards, plus you can earn or redeem everywhere.

With the Toys "R" Us credit card you'll get 2 points per dollar for the brand purchases and 1 point per 4 dollars for all other purchases. However, it gets more interesting when you find out the redemption rate. It is very profitable for the brand purchases and very unprofitable for all other purchases. Your 125 points are worth $5, which gives you 4 cents per dollar, a very good rate. However, 1 point per 4 dollars for all purchases devalues this rate, as you get the same 1 point per dollar as everywhere. It also depends on which card you want to apply for. The Mastercard version can be used anywhere and the store card can only be used at the store. If you don't shop at Toys R Us...

On the one hand, Nordstrom credit card earns 2x points at Nordstrom, but on the other, if you have store credit card, you are not able to use it anywhere you want and your points are redeemable only for Nordstrom purchases. General rewards credit cards give you more flexibility in using your card and earning rewards, and when you redeem them. The right credit card for you depends on your spending preferences. If you prefer traveling, choose from travel rewards credit cards, if you want to earn cash back - cash back credit cards are a good option.

The Maurices credit card is a store credit card, and store credit cards do not usually require a perfect credit history. As a rule, average credit is quite good when you are applying for a store credit card. And since you have an active credit card with good payment history, that will increase your chances to qualify for a new credit account. Since your credit is recovering from bankruptcy, remember that store credit cards usually have high interest rates and low limits. So, make sure you will be able to manage your new credit card responsible, make all payments on time and keep the balances low.

Yes, using your Kwik Trip credit card you will get 3¢ per gallon off at the pump. But don't forget to read terms and conditions carefully. There are often limitations and rewards expire may expire. Sometimes it can be difficult to comply with these requirements. We recommend you consider application for rewards credit card with which you will be able to earn cash back on gas and other purchases. Compare credit cards and make some calculations to see which card will bring more rewards to you.

The interest on the BP credit card is high indeed - 27.99% on Purchases. There is also no low intro rate or promo offer of any kind. If you want a card with the lower interest, you may consider 0% intro APR credit cards.