Prime Rate Credit

Specialty credit cards are quite a novelty nowadays, with everything from earning points toward some obscure merchandise sent out in a catalogue every year, to earning cash back from spending on the card, to one of my favorite, ingenius cards, the awesome airline miles credit card where you earn points toward a certain airline’s plane tickets depending on how much you spend on the card.

So, do you have a specialty credit card in your wallet, and what are you missing out on if you don’t have one? Well, my whole mentality, or theory or whatever you want to call it, on the points system for credit cards is that, if you have a credit card anyways, why not carry a credit card that will actually pay you back in some way by simply using it?

Say if you do have a cash back card, or even a gasoline points credit card through Sunoco or BP or some other gasoline station, every time you use it, you are actually earning points toward something of monetary value. So you’re not just paying interest on your purchases for nothing, you are actually getting something in return for your patronage.

I hope the credit card companies keep these sorts of offers coming, it certainly does help with the thought that you’re lining their pockets with every purchase you make, knowing that you are being rewarded in some way in return.