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 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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Intro 4.9% Fixed APR for up to 5 Billing Cycles
2 BA Miles for every $1 on British Airways purchases
1 BA Mile for every $1 on all other purchases
No pre-set spending limit
Zero Liability on Unauthorized Purchases
Earn miles wherever you go. Go wherever you please. A Distinctive Card
- 15,000 bonus BA Miles with your first purchase1
- 2 BA Miles for every $1 on British Airways purchases3
- 1 BA Mile for every $1 on all other purchases1
- No limit to the BA Miles you can earn
- Intro 4.9% Fixed APR for up to 5 Billing Cycles*
- No pre-set spending limit2
- Zero Liability on Unauthorized Purchases5 With Exceptional Travel Benefits5
- Up to $1 million in travel accident insurance
- Concierge service
- Emergency card and cash replacement
- Roadside Dispatch
- Up to $3,000 Lost Luggage Insurance
- Auto Rental Insurance
- Travel and emergency assistance
- Free Companion Ticket
Redeem BA Miles for free travel on British Airways
and its airline partners, including American Airlines®4
Through the reward program, cardholders earn one mile for every dollar spent on general purchases and two miles for every dollar spent through British Airways. In addition, cardholders will receive 15,000 bonus miles with their first purchase. There is no yearly limit to the number of miles that can be earned and miles do not expire as long as the frequent flyer account is active during a three-year period. Earned miles can be used for travel with British Airways or any of its partner airlines along with other travel related services (visit www.britishairways.com for further details).
Aside from the reward program, a variety of benefits are available, including up to $1,000,000 in travel accident insurance, auto rental insurance, and lost luggage insurance. The signature card provides a personal concierge service and no pre-set spending limit (purchases are authorized based on personal spending and payment history). A free British Airways companion ticket is also available with the purchase of a First Class or Club World round trip transatlantic ticket at a regular fare price.
<< Back to the travel reward credit cards
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