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License Direct visualizes credit card reward systems

29 August 2014

License Direct said it has compared 25 of the most popular rewards credit cards and is offering its conclusions about which are best.

The infographic divides cards into three categories general rewards cards, airline rewards cards, and hotel rewards cards.

The general cards include the AMEX Gold and Platinum, and cards from Chase, CapitalOne and Barclaycard. Purchases on these cards earn between one and five points per dollar spent but the value of the points is not equal. On the Chase Sapphire Preferred, for example, each point is worth 2.1 cents, but on other cards the value of a point is as low as one cent, according to the blog The Points Guy.

Airline rewards cards currently offer attractive signup bonuses. The Citi Executive / AAdvantage World Elite MasterCard, for example, features a bonus of 100,000 miles, which is enough to buy a return fare to Europe in business class. The overall conclusion about these cards, however, is that you should choose whichever one is associated with an airline that you´ll fly most. The best bets are the United or American Airlines cards, which confer free checked bags, priority boarding, and in some cases lounge access.

In the hotel rewards category, there is a clear winner. The American Express Starwood Preferred Guest Card earns one Starpoint, which is valued at 2.6 cents, for each dollar spent. This is the highest redemption value of any of the 25 cards. The card also offers frequent point transfer bonuses to airlines, and a signup bonus of up to 25,000 points, enough for a couple of nights at a high-end Starwood hotel or resort. Cards from Marriott, Hilton and Club Carlson are less compelling, although for someone who stays at chain hotels often, the elite status benefits may be reason enough to pay the annual fee. The Citi Hilton Honors Reserve Visa, for example, comes with instant HHonors Gold status.

License Direct ( is the provider of license registration information. It provides centralized search and lookup for licensed professionals from every US state. Professions covered include registered nurses, security guards, architects, attorneys, acupuncturists, masseurs, teachers, and more.


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