Latest responses to “List Of The Best Credit Card Rewards Programs” Copyright 2012, MoneyBlueBook.com 439780 2009-12-04T21:53:11-08:00 jenn Beware of CHASE as they like to jack up the rate of a loyal customer who has excellent credit and has NEVER once made a late payment! My rate went from 8% to over 13%! When I called to ask why, they said because of the economy! HA! 439770 2009-06-11T16:22:53-07:00 Diane Reward credit cards are great if you can pay the monthly bills back on time. Else you get stuck with huge interest penalties and fees that you'll regret months down the road when you're still paying them off. If you just want the benefits and conveniences of credit card use, then just apply for a credit card that offers nothing in return. Or you can just stick with debit card usage (although for security reasons I don't recommend debtit cards). Standard, no reward card offers tend to have the lowest purchase APR rate. But if you go with a high yield reward card like a frequent flyer mile program or cashback deal, then beware of the much higher rates. 439750 2009-06-05T17:16:04-07:00 Raymond Tiffany, Yes, some of the credit card offers that I've disabled are either no longer available or their terms and conditions have changed. However, you'll notice that many of the credit card deals listed above are still working. As for the second part of your question regarding card program cancellation - credit card issuers generally don't close out existing cards even when the underlying credit card reward programs have been modified. For example, the famed Citi Card Dividend program used to offer 5% cashback on groceries, drug stores, and gasoline purchases with 1% cashback for everything else back in the day. When Citibank finally modified the card reward offer to incorporate only 2% cashback, all existing Dividend Card holders were switched to the new 2% back policy, albeit after receiving notice of the change. In rare cases that card programs are scrapped completely, most major card issuers have kept those card programs active, at least until the card's expiration date has passed, at which time the account holders are automatically issued new cards and switched to the new program. 439760 2009-06-03T08:20:36-07:00 Tiffany Hi Ray, I noticed that some of the credit card links are not working. Does that mean those credit card reward offers are no longer available to new customers? I don't understand why the credit card issuers keep coming out with new deals, only to pull them back after some time. What happens to those credit card accounts? Do they get canceled or do they stay active with the same reward program that they had before?