Core Insights - The emergence of crypto rewards credit cards aims to make cryptocurrency more accessible to consumers, despite only 14% of U.S. adults currently owning cryptocurrency [1][2] - These cards offer rewards in the form of cryptocurrency instead of traditional cash back or points, potentially appealing to both new and seasoned investors [3][14] Crypto Credit Card Overview - Crypto credit cards function similarly to traditional credit cards, with users earning cryptocurrency rewards based on their spending [2] - Rewards are typically a percentage of the purchase amount, converted from U.S. dollars to cryptocurrency at current market values [3][4] Benefits of Crypto Rewards - The potential for growth in the value of cryptocurrency rewards over time is a significant advantage, as demonstrated by an example where a $100 balance could grow to $114 in less than a year [5] - Crypto credit cards are often issued in partnership with cryptocurrency exchanges, requiring users to have an account with the exchange to access their rewards [6][7] Market Options - The Gemini Credit Card offers various rewards rates, including 4% back on gas and transit, with no annual fee [8] - The Coinbase One Card provides rewards based on the user's asset balance, with membership fees ranging from $4.99 to $299.99 per month [10][11] - New options like the Fold Bitcoin Credit Card are in development, while others like the BlockFi Rewards Visa have been discontinued due to bankruptcy [12] User Considerations - Crypto credit cards may serve as an entry point for beginners in cryptocurrency investing, while also appealing to experienced investors looking to enhance their portfolios [14] - Users should be aware of the volatility of cryptocurrency rewards compared to traditional rewards, as the value can fluctuate significantly [15]

Core Insights - The article discusses the best credit card sign-up bonuses for 2025, highlighting various cards that offer attractive rewards and benefits for new cardholders [44][55]. Group 1: Credit Card Offers - Chase Freedom Unlimited offers a $200 bonus after spending $500 in the first 3 months, with no annual fee and a rewards rate of 5% cash back on travel purchased through Chase Travel [3][5]. - Chase Sapphire Preferred provides 75,000 bonus points after spending $5,000 in the first 3 months, with a $95 annual fee and valuable redemption options for travelers [7][9]. - Capital One Venture Rewards offers 75,000 miles after spending $4,000 in the first 3 months, with a $95 annual fee and straightforward earning structure [11][14]. - Capital One Savor provides a limited-time offer of $300 in bonuses, including a $100 travel credit and a $200 cash bonus after spending $500 in the first 3 months, with no annual fee [15][18]. - Amex Blue Cash Preferred offers a $250 statement credit after spending $3,000 in the first 6 months, with a $0 intro annual fee for the first year, then $95 [23][25]. Group 2: Rewards Structures - Chase Freedom Unlimited has a rewards rate of 5% cash back on travel, 3% on drugstore purchases and dining, and 1.5% on all other purchases [5]. - Chase Sapphire Preferred includes benefits like complimentary DashPass and annual statement credits for hotel stays purchased through Chase Travel [9]. - Capital One Quicksilver offers 5% cash back on travel bookings and 1.5% on all other purchases, with no annual fee [19][20]. - Amex Gold Card provides 4x Membership Rewards points at restaurants and U.S. supermarkets, with a $325 annual fee [42][46]. Group 3: Sign-Up Bonus Mechanics - Credit card sign-up bonuses typically require new cardholders to meet a spending threshold within a specified timeframe, often ranging from $500 to $4,000 [44][47]. - The bonuses can be in the form of cash back, points, or miles, depending on the card type [49][50]. - Approval for a card is necessary to qualify for its welcome offer, which may include having a sufficient credit score [51][52].

If you’re looking for a new card, the Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card may both seem appealing as a basic rewards card. In this breakdown of the Quicksilver vs. QuicksilverOne cards, learn how these cards differ in terms of fees, rates, benefits, and eligibility requirements. Capital One Quicksilver vs. QuicksilverOne overview Annual fee There’s no annual fee to hold the Capital One Quicksilver card, which is in line with many top ...

Core Points - The Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards, allowing users to select a 3% cash back category each month, with additional benefits at grocery stores and wholesale clubs [1][4][14] - The card has no annual fee and includes a welcome bonus of $200 after spending $1,000 in the first 90 days, along with an introductory 0% APR for the first 15 billing cycles [4][19] - Users can earn up to 75% more cash back as Bank of America Preferred Rewards members, increasing potential rewards significantly [12][10] Summary by Category Card Overview - The card features a $0 annual fee and a welcome offer of $200 cash rewards after $1,000 in purchases within the first 90 days [4][19] - Introductory APR is 0% for the first 15 billing cycles for purchases and balance transfers made within the first 60 days [4][19] - The purchase APR ranges from 18.24% to 28.24% variable after the introductory period [4] Rewards Structure - Cardholders can earn 3% cash back in a chosen category, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases [4][11] - Bonus cash back applies to the first $2,500 in combined purchases each quarter in the selected 3% and 2% categories [6][8] - Users can change their 3% category once a month, allowing for adaptability based on spending habits [7][19] Additional Benefits - Preferred Rewards members can earn between 25% and 75% more cash back, potentially increasing annual rewards to $525 if the spending cap is maximized [12][10] - The card includes features like access to free monthly FICO® scores, contactless payment technology, and overdraft protection [10][12] - Cash back rewards can be redeemed at any time for statement credits or deposits into Bank of America accounts [13] Target Audience - The card is ideal for consumers with varying spending habits throughout the year, allowing them to maximize cash back rewards by customizing their spending categories [14][15] - The introductory APR offer provides an opportunity to pay off purchases without accruing interest, benefiting those looking to manage credit card debt [15]

Core Insights - Credit cards are widely used in the U.S., with 82% of Americans holding at least one card and an average of 3.84 cards per person, resulting in an average balance of $6,365 as of 2023 [1] Historical Development - Early 1900s: The first credit cards were introduced by department stores and oil companies, resembling store cards more than traditional credit cards [2] - 1950s: Charge cards gained popularity, with the Diner's Club card launched in 1950 and American Express following in 1958 [3] - Late 1950s: Introduction of credit cards allowing for revolving balances, differing from charge cards that required full payment each month [4] - 1960s: The BankAmericard was introduced as the first general-use credit card, not tied to specific retailers [5] - 1968: The Truth in Lending Act was passed, standardizing credit card account disclosures for better consumer comparison [6] - 1970s: Major regulatory changes occurred, including the Fair Credit Reporting Act and the Equal Credit Opportunity Act, which prohibited discrimination based on gender or marital status [7][8][9] - 1980s: The first rewards credit card was launched by Discover Financial Services, changing the landscape of credit card offerings [10] - 1990s: Introduction of travel rewards cards, with American Express launching Membership Miles [11] - 2000s: Premium travel cards emerged, offering higher benefits and fees, alongside the Credit Card Accountability Responsibility and Disclosure Act of 2009 [13][14] - 2010s: Growth of digital payments and touchless methods, adapting to new technologies [15] - Present: A variety of credit card networks and issuers exist, catering to diverse financial needs [16][17]

Some of the following may be considered weird ways to use a credit card, but if you're willing to get a little outside of your comfort zone, you could earn hundreds of dollars in additional rewards every year. 1. Buy gift cards A lot of rewards credit cards offer bonus rewards on certain purchase categories, but that doesn't mean you can't get more value on spending made outside of those types of purchases. If your card offers a high rewards rate on grocery store purchases, for example, check your local ...

Core Points - The Amex Blue Cash Everyday Card offers significant cash-back rewards in popular spending categories, making it a valuable addition for consumers looking to offset regular expenses [1][2] - The card features a $0 annual fee, a welcome offer of $200 after spending $2,000 in the first 6 months, and a 0% introductory APR for 15 months on purchases and balance transfers [4][13] Features - **Annual Fee**: $0 [4] - **Welcome Offer**: $200 statement credit after spending $2,000 within the first 6 months [4] - **Introductory APR**: 0% on purchases and balance transfers for 15 months [4][13] - **Ongoing APR**: 19.74%-28.74% variable [4] Rewards Structure - **Cash Back Rates**: - 3% cash back at U.S. supermarkets, online retailers, and gas stations (on up to $6,000 per year in eligible purchases, then 1%) [4][9] - 1% cash back on all other purchases [10] - **Redemption Options**: Cash back can be redeemed as statement credits or for purchases on Amazon.com [11] Additional Benefits - **Monthly Statement Credits**: Up to $7 monthly for subscription purchases at select streaming services [5] - **Car Rental Coverage**: Secondary coverage for rental car collision and theft when the card is used for payment [6] - **Amex Offers and Experiences**: Access to additional rewards and exclusive events [8] Target Audience - The card is ideal for consumers seeking a no-annual-fee cash-back card with high rewards in common spending categories, particularly families who frequently shop at supermarkets and gas stations [12]