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The question of [link widoczny dla zalogowanych] whether or not you should apply for a credit card with a loyalty reward program appears to be a no brainer these days. Over 90% of us do. However, deciding which type of loyalty reward program best suits your needs is [link widoczny dla zalogowanych] far more difficult. So, which type of loyalty reward program should you apply for?
The different types
Although it may seem like there are many different types of credit card [link widoczny dla zalogowanych] loyalty reward schemes available in the UK, the choice basically falls into two different categories: a cash back scheme; or [link widoczny dla zalogowanych] a product-based loyalty reward scheme.
Cash back credit card loyalty schemes
Cash back reward programs are very popular among UK credit card users. However, [link widoczny dla zalogowanych] you need to be very careful before deciding whether or not you should apply for a cash back reward program, as this type of reward program does not suit all credit card users in the UK.
6 out of every 10 [link widoczny dla zalogowanych] credit card users in [link widoczny dla zalogowanych] the UK will carry over some or all of their credit card balance at the end of each credit card statement period. If you happen to fall into this category of credit card user, sometimes known as a credit card borrower, then having a cash back loyalty program is unlikely to be in your best interests.
The reason why this is the case is because the interest and fees you'll be charged on your balance will almost certainly be far more than the amount you can claim in cash back rewards. However, if you are the minority 4 out of 10 UK credit card users who does repay his debt in full on the credit card statement date, then a cash back reward program could be just the ticket you are looking for.
Product-based loyalty reward schemes
For most of a product-based loyalty reward scheme is probably the best reward scheme we could apply for. This is especially so if there is a particular shop or product that we like that is offering a UK credit card loyalty reward scheme.
However, even here, if you carry over a balance each month on your credit card you should acknowledge that you are not getting something for nothing and your loyalty program will be costing you more than you could [link widoczny dla zalogowanych] get if you just paid cash!
0% credit card
By far and away the best credit card loyalty program is the 0% credit card. It may sound strange, but if you are a credit card borrower than the interest charges you are going to save over a period of time on a 0% credit card [link widoczny dla zalogowanych] are going to far exceed any air miles you can accrue or any cash back you can obtain.
As such, before you give too much thought to the type of credit card loyalty reward scheme that you should have, but your own interests first and think of which card has the lowest rate on interest - because unless you are paying off your credit card debt in [link widoczny dla zalogowanych] full each month, it is highly likely that this is going to be the best reward you can get. In [link widoczny dla zalogowanych] fact, the money you can save will likely buy you all you wanted to get under any other type of credit card reward program [link widoczny dla zalogowanych] several times over.
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