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This article will describe the benefits, drawbacks and various special considerations relating to the Citi Driver's Edge Platinum MasterCard. Overall it is an excellent rewards card for most people:

? It has a high rebate rate of 3% to 6%

? It rewards you for both purchases and for the miles you drive

? It rewards you for typical household purchases, rather than tempting you into making purchases that you wouldn't otherwise make.

Consumers who judge the card by its name might fall into the trap of assuming that this card is just for heavy drivers, but dig a little deeper and you'll find it's exceptionally rewarding for almost anyone. For example, let's say you already spend $5,000 this year at supermarkets: you'll receive a 6% rebate for that, amounting to $300. You'll also earn $1 for every 100 miles you drive: if you typically drive 10,000 miles per year, you'll earn another $100 every year.

The CFA carefully investigated this card and observed the following benefits:

1. The rebate isn't cash, but it can be spent on needed purchases so it's basically equivalent to receiving cash back. You can spend it on any automotive services, repair or maintenance. You can convert rebates into Citi's ThankYou Points, which you can use to get gift cards at over fifty popular retailers. You can also apply your rebate towards the purchase of nearly any motor vehicle -- new or used, from dealers or private parties. You'll receive the rebate in the form of a check after you purchase the vehicle, and whoever you purchased it from will never know you received a rebate. That means you are 100% free to negotiate the best deal on a car from any dealer or individual seller.

2. The method of computing interest is average daily balance of all your purchases. You're avoiding the "double-cycle average daily balance" which some credit card companies use to hike your payments.

3. After you're approved, you can ask to have your own picture placed on the front of your card. This will help make your card more secure. Citi also offers 24-hour fraud protection and guarantees you'll have zero liability for unauthorized charges.

4. Automatic travel insurance of up to $1,000,000 is received whenever you buy a plane, ship, train or bus ticket with your card.

5. Auto rental insurance coverage is received to protect you from possible collision or theft when you pay for the rental with your card.

6. A Retail Purchase Protection feature protects your card purchases from theft or eligible damage for up to 90 days.

7.There is no annual fee.

You can apply for a Driver's Edge card at Citi's credit card site. After the first year your rebate returns to the normal 3% rate, so at that time you may want to add the Discover Gas Card to your wallet, in order to get their 5% cash rebate on gas purchases.

Disney Rewards Credit Card

Consider your Options

With so many choices, finding the right rewards credit card can feel overwhelming. As you sort through your options, consider which credit card can best benefit you. If you regularly travel, look into cards offering gas rebates or hotel stays as rewards. If you live near an airport where a particular airline has its hub (for example, one of Continental's hubs is in Houston; Northwest has its hub in Minneapolis), you may want a card that includes miles for that airline. If you get a thrill out of receiving money for using your card, look into a cash back card.

To ensure that you are getting the best deal for your lifestyle, read through the fine print. Some credit cards include an annual fee for the reward program. Others have a high interest rate attached to the card. If you use the credit card infrequently or regularly carry a balance, the benefits of these cards may not outweigh the costs.

Reap the Rewards

Once you have chosen which rewards credit card is best for you, you can look for ways to make it advantageous. Think about buying groceries with your credit card; then pay off the balance each month. If you shop online frequently, start charging your purchases on the rewards credit card. By using your card during the month and then paying off the balance, you will be able to accumulate points and rewards at a fast rate.

Some rewards credit cards come with an initial 0% APR on purchases and balance transfers. This allows you to pay off a balance, interest-free, while earning valuable points. This is a good way to get rid of overhanging debts and still enjoy the rewards.

Discover Miles Card

One great option for the frequent traveler is the Miles Card by Discover. With this credit card, you'll earn one mile for each dollar spent on general purchases. For every dollar that you spend on travel and restaurants, you'll receive double miles. In addition, you'll earn 1,000 bonus miles every month that you make a purchase for the first twelve months. This can earn you up to 12,000 miles ? an excellent way to start! Redeem your miles for tickets on a variety of airlines.

Another benefit from the Miles Card by Discover is the 0% introductory rate on purchases and balance transfers for the first year. There is no annual fee, and you'll receive a regular low interest rate if you qualify.

Chase Flexible Rewards Platinum Visa Card

With the Chase Flexible Rewards Platinum Visa Card, you'll enjoy a reward program with plenty of variety. Start by earning one point for every dollar spent on general purchases. You can use the points toward airline tickets, car rentals, hotel stays, and more. There is no annual fee. You'll also receive a 0% introductory rate on purchases and balance transfers for the first six months.

The options are out there. Now it's up to you to take advantage of the many offers available. With a little research and planning, you can make the most out of your rewards credit card.

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About Author

Both David R Snell & Edward Vegliante are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

David R Snell has sinced written about articles on various topics from Credit Cards. David R. Snell is the founder of the Consumer Freedom Alliance (CFA) and webmaster of its flagship site, SmartConsumerTips.com. He offers excellent advices and great tips regarding all aspects of. David R Snell's top article generates over 1600 views. to your Favourites.

Edward Vegliante has sinced written about articles on various topics from Credit Cards, American Express Card and Student Credit Cards. To View Rewards Credit Card Offers click the following link:

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