When choosing rewards gift cards, the first step is to select the card that fits the recipient’s interests. Most gift cards are designed to be redeemed at a variety of stores. This allows you to avoid giving an impersonal gift. While prepaid gift cards are convenient, they are unbiased, and you can’t be sure what the recipient likes. Instead, consider a multi-store or multi-brand card. Electronics make the best end-of-year sales incentives. Best Buying gift cards -especially online ones- remain the most popular but don’t discount their other advantages.

Bank of America Preferred Rewards

You might already know about the Preferred Rewards program if you have a Bank of America credit card. It rewards you for spending at the bank’s retail stores and gives you higher rewards than many other credit card programs. With this program, you can earn as many as 5.25% in rewards in grocery stores and 3% in different categories. Depending on your spending, you can earn up to 2.62 points for every dollar.


One way to earn more points is to sign up for the Bank of America Premium Rewards Elite credit card. This card offers higher rewards than the other three tiers, including 1.2 points per dollar spent on airfare. It’s designed specifically for people who qualify for the Preferred Rewards program. To become a member, you need to maintain a balance of $20,000 a day in a BoA or Merrill investment account. You can redeem your card for cash when you’ve accumulated 2,500 points in a year.

Amex Membership Rewards

If you want to redeem your points for a luxurious stay, Amex Membership Rewards are the way to go. These cards offer benefits such as travel rewards, bonus points, and more. In addition, if you use your card for travel, you will get a one-to-one transfer ratio with many partner airline companies. This will allow you to get more value for your points than you would with any other form of currency. You can use your points for everything from hotel stays to flights, and it’s worth it to take advantage of this benefit.

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You can use these points to pay for charges or even cash back. They’re worth about 0.6 cents each, so they’re an excellent way to save money on recent purchases. However, be aware that you must have at least one dollar on your card to redeem them for cash. Moreover, you can’t redeem partial points. However, if you want to save them money, you can do so by using Amex Pay with Points, which typically has a 0.7 CPP redemption rate. You can also use Amex Pay with Points to auto-fill MR points at the checkout.

Chase Ink

If you’re looking for a credit card with rewards that you can use to reward yourself for spending, consider the Chase Ink rewards gift cards. You can use them to get cash back for purchases, gift cards, or redeem statement credits. The Ink card is aimed at small business owners, so it’s not the most popular option for travelers. However, it does come with its share of benefits, including low fees and lucrative interest rates.


First of all, you must be in business to qualify for the Chase Ink business card. While small businesses and side hustles can be classified as businesses, they will still be considered income if you use the card for business purposes. As long as your income is tied to your business, you can earn rewards for every dollar you spend. Getting the card doesn’t hurt your credit; you can use it to reward yourself for any small business expenses.

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Bank of America Customized Cash Rewards

The Bank of America Customized Cash Rewards credit card might be a good choice for a credit card that earns a competitive rate on everyday purchases. This credit card does not charge an annual fee, but it does have a low rewards cap. Since the rewards are based on how much you spend in each category, it is best for frugality-conscious shoppers. However, it’s not the best option for people who are heavy spenders.


The Bank of America Customized Cash Rewards credit card comes with an attractive $200 cash-back bonus, but you’ll have to spend $1,000 within 90 days to qualify. It’s easy to meet this requirement and ranks well among no-annual-fee credit card bonuses. The only downside is the small amount of flexibility in the categories. Luckily, the rewards are consistent. If you’re a heavy gas guzzler, the Customized Cash Rewards credit card will earn you a decent amount each month.