4 Credit Cards With Useful Bonus Programs

Credit Card

Credit cards offer different bonuses and reward systems. Here are some examples of bonus programs in specific categories that could help you save money. 

Finding the right credit card can be difficult. There are lots of different bonuses and rewards systems on the market, and it is easy to get lost in the terms and numbers. 

The bonus programs are often what separates otherwise quite similar card products. It is important to find the right one for you. If you choose a bonus program which you do not actually have a use for, you might be missing out on some of the key benefits of having a credit card. 

You should always make sure that your credit card offers a bonus system that gives you additional value. For instance, if you are a frequent traveler, you should consider a card with bonus miles for flights or bonus nights. Here are some examples of credit cards with useful bonus programs.   

Ikano Bank

Ikano Bank started out as IKEA’s own bank. Ikano Bank is now a separate company but partly owned by IKEA’s owner; Ingka Group. The bank has close ties to IKEA, which is clear from one of its key offerings: IKEA Kort (“IKEA Card”), the store card made especially for IKEA customers. 

The card gives you a credit limit of up to NOK 150 000 at IKEA. For any purchase over NOK 2 500 you may select the “buy now, pay later” installment to postpone the payment by up to 12 months. You can also split big purchases, like a new kitchen, into smaller monthly payments. IKEA Kort even has special offers where you can get a discount on your IKEA purchases. 

Ikano Bank also offers the Ikano Visa credit card, with a 2 % discount in grocery stores worldwide and 2 % discount at all Norwegian Shell gas stations. Visit the website here.

Lufthansa Miles & More 

Lufthansa Miles & More is the credit card series offered by the German airline Lufthansa. When making a transaction with the card, you can earn miles. You can redeem your miles for flights, upgrades, hotels, car rental and lots of products from Lufthansa WorldShop.

You earn miles when you make a purchase with the credit card at a Miles & More partner. There are lots of different partners to choose from. For instance, you can earn miles if you pay for car rental with the credit card. Both Hertz and Avis are currently Miles & More partners. 

Lufthansa also offers bonus miles when you make purchases at specific partners. The standard is 1 mile per 1 euro, but some offers can double or even triple the amount of miles you earn. Visit the website here.

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card gives you cash back on all purchases, but Amazon and Amazon-related services are where it really shines. The credit card comes in two types: the Amazon Rewards Visa Card and the Amazon Prime Rewards Visa Card. The latter gives more cash back if you are an Amazon Prime member. 

The Prime card gives you 5 % back when you shop on Amazon or Whole Foods Market. This is quite a substantial amount if you shop at these sites a lot. There are even special offers where you earn up to 10 % back on your Amazon purchases. 

Both credit cards are issued by JPMorgan Chase Bank. 

Hotels.com Rewards Visa Credit Card 

Hotels.com Rewards Visa Credit Card allows you to earn more bonus nights at Hotels.com. Members of the Hotels.com can earn bonus nights through the site’s stamp system. Whenever you book a stay at an eligible hotel, you will receive one stamp per night you book. If you have earned 10 stamps, you get a free bonus night. 

With the credit card, you can get that free bonus night sooner. You earn a bonus stamp each time you spend $500 on the card. Unlike the stamp system, you do not need to use the card on Hotels.com. Using it for groceries, gas and other purchases will still earn you the stamp. 

The Hotels.com Rewards Visa Credit Card is issued and administered by Wells Fargo Bank, N.A., pursuant to a license from Visa. Visa is a federally registered mark of Visa. Visit the website here.

What Is the Right Bonus Program for You?

Choosing the right program depends on your needs and habits. What bonuses do you prefer and what purchases do you make? For instance, The Amazon card can be great if you are a Prime member and you shop a lot on Amazon and Whole Foods Market. If you mostly shop at your local stores, you should consider something else. 

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