The competitive nature of the credit card industry has led to some very creative presentations by banks that issue credit cards. For consumers who are into rewards programs, discount shopping, and convenience, there is likely a credit card suited for you. When looking for the right credit card, the goal is to find the benefits that you like the most under the best possible terms. In order to do this, you need to be familiar with what to look for and what to avoid. In this article, we will highly 10 benefits of acquiring a Woman Within Credit card. The key is to identify perks that will suit you based on how you would use the card.
1. $20 Dollar Value on First Billing Statement
While $20 dollars may not seem like a lot, it is a part of the accumulative impact of having this card. The issuers will give immediate savings on the initial order placed, but $10 dollars as a bonus reward. Both of these bonuses will be reflected in the initial statement.
2. Double Points
When it comes to rewards cards that award points, the double point feature is always appreciated by cardholders. With the Woman Within credit card, you will receive two points for every dollar that you spend on any items sold by the full beauty brands.
3. Low Reward Redemption Threshold
One complaint by cardholders is that they have to reach a high threshold in order to redeem their points. With as few as 400 points, which is not that hard to amass, you can receive a $10 reward certificate. Another bonus benefit is the 90-days same as cash feature that is offered by the card. You can make purchases now and not have to pay for up to 90 days. It is important to read the terms to understand just how this works.
4. Birthday Rewards
Who does not like receiving gifts on their birthday. And if you are a shopper, there is nothing like being appreciated by retailers on your favorite day. You can receive up to 20 percent off on purchases made during your birthday month. That’s right, not just on your birthday, but for the entire month.
5. Quarterly Free-Shipping Bonus
Once each quarter you will receive a free shipping offer for any purchases made over $75. This is great because you can schedule purchases based on the free shipping offer. The higher the purchase amount, the higher the shipping cost, so this can come in handy.
6. Maximum Late Fee
While the goal is to always pay your credit card bill on time, things do happen. With some cards, the lates fees just keep piling up until you pay. With the Women Within credit card, there is a maximum late fee charge of $38. Some cards allow fees to move past the $100 mark.
7. 25-Day Grace Period
Once again, things don’t always go the way that we would like for them to go, so the Woman Within credit card offers a 25 day grace period before any penalties and fees are applied. That is substantial considering that some cards only offer a seven to the 10-day grace period.
8. No Cash Advance Fee
Any time you can avoid paying normal fees, you are winning in the credit card game. Add-on fees for ancillary services are how most banks make their money on credit cards. This card does not charge a fee for cash advances, which is another way that it saves your money.
9. No Foreign Transaction Fees
Many credit card banks will charge a foreign transaction fee when purchases are made out of the native country. These fees can add up quickly. So having a card that does not charge these types of fees is a plus, especially if you tend to buy online from companies that are shipping from outside of the U.S.
10. Smart Chip Technology
Identity theft is on the rise and these criminals become increasingly creative with every passing year. Credit card issuers are constantly looking for ways to prevent credit card fraud and identity theft. One way that banks are tightening up security is the through issuing cards with smart chips. The company also monitors your account to check for suspicious activity. If they discover purchases that seem out of character with your purchasing pattern they will contact you.
You can also read:
- 10 Benefits of Having a Menards Credit Card
- 10 Benefits of Having a Fidelity Rewards Visa Signature Credit Card
- The Five Best HSBC Credit Cards for 2018
- Five Credit Card Scams to Watch Out For in 2018
- 10 Benefits of Having a Pier One Credit Card
Written by Garrett Parker
Read more posts by Garrett Parker