Credit Card Rewards FAQS

Gap store offers two credit cards for consumers: Gap credit card and Gap Visa credit card. The first card can only be used at Gap stores and some affiliated stores, and the second can be used anywhere Visa is accepted. So, it depends on what card you will get. If you want to use your credit card anywhere you want and at any store, consider applying for a general credit card. You may choose from rewards credit cards to earn rewards on your purchases and redeem for cash back or travel according to the credit cards' rewards programs or 0% on purchases credit cards.

The Phoenix RCBC Bankard Mastercard is issued by the RCBC bank, of the Philippines origin. This means effectively that if you are an American, there's no way you can apply for it. As for P500, naturally all the fees are in the Philippine currency, deal with it. But anyway, you can still earn rewards on your Phoenix purchases if you apply for a general card with gas rewards. You'll earn some cash back that you'll be able to redeem at Phoenix gas stations. Rewards never expire and there's no limit to how much you can earn.

You can use both of Disney cards anywhere Visa is accepted, since they are Visas. As for the rewards, it's different. With the Disney Rewards Visa card, you'll earn rewards on all purchases, but just 1% back. With the Premier Visa Card, it's better as you earn 2% cash back on selected purchases and 1% back on all purchases. However, be prepared to face a $49 annual fee which will eat away some of your earnings. If you count those earnings, you'll see that a general rewards card will be better than any of the Disney cards.

Valero credit card is a co-branded card, so you can use it only at participating locations. Namely, those are Valero, Diamond Shamrock, Beacon and Shamrock gas stations. You can earn rebates making purchases at these locations and these rebates are applied to your statement at the end of the billing cycle. Co-branded cards cannot be used outside participating locations. For users who want universality, there are general rewards card. Cash back cards let you earn and redeem rewards anywhere, and at most cards rewards never expire.

In your case the best credit card is a general cash back rewards card. Such a card will allow you to pay for gas purchases at any gas station.

Co-branded store credit card, like the Dick's Sporting Goods credit card is not the only way to earn good rewards when shopping. The best strategy is to use a general rewards credit card that offers decent cash back, points or miles rewards on all purchases. Your choice depends on your preferences and needs.

Well, the earning rate varies depending on how long you use the card. At first you get 10 cents per gallon for the first 60 days, then the rate lowers and you get 5 cents per gallon. Gallons purchased will be concidered for a credit in the billing cycle they are posted to your account. Total annual cashback shouldn't exceed $60. If you want more ability or are frustrated with the complex terms of the card, you may want to consider other cards with rewards.