The Common Rewards bank card, issued by means of the First Nationwide Financial institution of Omaha (FNBO), earns rewards you’ll use all the way through your subsequent journey to Common Studios theme parks and sights like The Wizarding International of Harry Potter.

Sadly, the cardboard’s now not all magic.

Positive, cardholders can earn a sign-up bonus and obtain unique perks and reductions at Common parks. However the rewards are rigid, and the redemption procedure is clunkier than a poorly oiled Transformer. Maximum Minions would do higher with a common rewards bank card.

Listed here are 5 issues to grasp in regards to the Common Rewards card.

The Common Rewards Credit score Card is available in two sorts:

• The Common Rewards Plus Visa Signature Card has a $99 annual commission and earns 4% again in rewards on qualifying Common purchases; 2% again in rewards on go back and forth, gasoline and eating purchases; and 1% again in rewards on the whole thing else.

• The Common Rewards Visa Signature Card has a $0 annual commission and earns 2% again in rewards on qualifying Common purchases and 1% again in rewards on the whole thing else.

Whilst incomes increased rewards on Common purchases could also be great for superfans, total the ones are underwhelming praise charges — particularly for the $99-annual-fee model, as you’ll in finding any collection of no-annual-fee bank cards that earn 2% again on all purchases, now not simply in a couple of classes. It is also price holding in thoughts that with both Common card, you are incomes praise issues, now not money again. The ones issues are price a cast 1 cent each and every (100 issues = $1 in rewards), however your redemption choices can be critically restricted. Extra on that later.

For folks with very good credit score (FICO rankings of no less than 720), the Capital One Savor Money Rewards Credit score Card can be a more sensible choice. For an annual commission of $95, you can earn an infinite 4% money again on leisure (together with theme parks), eating and streaming services and products; 3% money again at grocery shops; and 1% money again on all different purchases. New cardholders too can clutch a large sign-up bonus: Earn a one-time $300 money bonus if you spend $3,000 on purchases inside 3 months from account opening. And because it is true money again you are incomes, you’ll spend it on anything else you favor.

Redeeming your Common bank card rewards is a horror immediately out of “Stranger Issues.” Imagine the paintings it calls for:

For starters, there’s a $25 minimal redemption quantity, and praise issues need to be redeemed in $25 increments — so you are very prone to in finding your self caught with “orphan issues” that you’ll’t do anything else with as a result of they do not meet the ones thresholds.

And it will get worse from there.

To redeem your praise issues, you’ll must request a bodily Common FUNds Visa Pay as you go Card, both during the FNBO site or by means of calling the 800 quantity at the again of your bank card. That is a extremely ordinary and inconvenient step — however wait, there may be extra.

The pay as you go card you can get is not reloadable, so that you’ll wish to request a brand new card for each and every redemption.

Pay as you go playing cards can be utilized at make a selection Common places and for flights and resort remains booked immediately with airways and resorts — however it would be best to grasp off on heading instantly for the Common Studios entrance gate. That is as a result of it may take as much as 10 days to obtain a pay as you go card within the mail, consistent with FNBO.

Any unredeemed rewards will expire on or after the 3rd anniversary from the date on which they had been awarded. Pay as you go playing cards themselves are legitimate for as much as 24 months, and whilst the finances to your card by no means expire, a commission would possibly observe to get entry to the ones finances after 24 months. Oh, and the pay as you go card can best be used to buy park tickets on-line in case your steadiness on it covers the total price of the tickets. The one technique to break up a cost the usage of the pay as you go card is thru buying tickets in-person on the park, the usage of the pay as you go card at make a selection shops inside the park or by means of buying a holiday package deal on-line thru Common Parks and Hotels.

The ones types of hurdles are sufficient to suck the thrill out of any theme park, and it is greater than any individual will have to must maintain in a rewards card.

A much less proscribing choice will be the Chase Freedom Limitless®. You’ll earn 5% money again on go back and forth bought thru Chase Final Rewards®, 3% again at eating places and drugstores and 1.5% again on the whole thing else. You’ll be able to have a couple of redemption choices, rewards by no means expire and there’s no minimal redemption quantity. New cardholders additionally qualify for the next introductory be offering: Earn an extra 1.5% money again on the whole thing you purchase (on as much as $20,000 spent within the first 12 months) – price as much as $300 money again!

With the $99-annual-fee card, once a year you spend $6,000 on it you’ll obtain a park go to Common Islands of Journey, Common Studios Florida or Common Studios Hollywood. That receive advantages may well be profitable if you are dedicated to the usage of the cardboard continuously sufficient to earn it, particularly since you can keep away from the hard redemption procedure above.

Each variations of the Common bank card additionally get you 10% off products, meals and beverage purchases at make a selection places right through Common theme parks and Common CityWalk in Orlando and Hollywood.

Each variations additionally permit Common die-hards to sing their own praises their fandom each and every time they swipe their card. Cardholders can make a choice from one in every of 3 card designs: a Minion from “Despicable Me,” a dinosaur from “Jurassic Park” or a regular Common brand.

Each variations of the Common bank card let new consumers qualify for an introductory bonus. As of this writing, the $99-annual-fee model earns a $100 commentary credit score after spending $100 inside the first billing cycle, whilst the $0-annual-fee model earns a $50 commentary credit score after spending $100 within the first billing cycle.

Whilst the ones are somewhat simple spending thresholds to hit, you’ll do higher than the ones bonuses.

The example, the $0-annual-fee Wells Fargo Autograph℠ Card we could new cardholders clutch the next introductory bonus: Earn 20,000 bonus issues while you spend $1,000 in purchases within the first 3 months – that is a $200 money redemption worth. You’ll additionally earn 3 issues according to $1 spent on eating places, go back and forth, gasoline stations, transit, streaming services and products and contact plans, plus 1 level according to $1 spent on the whole thing else.

And if you are keen to pay an annual commission very similar to what the Common Rewards Plus Visa Signature Card fees? If so, you’ll in finding sign-up bonuses price loads of greenbacks extra.

Each the no-annual-fee and the $99-annual-fee sorts of the Common Rewards Credit score Card allow you to finance your holiday with a zero% APR be offering for 6 months on eligible purchases over $1,000 made immediately with Common. Eligible purchases come with annual passes, park tickets, holiday programs and extra.

However there are higher choices should you’re seeking to finance a Common holiday. The Wells Fargo Energetic Money® Card we could new cardholders qualify for a 0% intro APR on Purchases for 15 months and zero% intro APR on Steadiness Transfers 15 months from account opening on qualifying steadiness transfers, after which the continued APR of 20.24%, 25.24%, or 29.99% Variable APR. There’s no minimal transaction quantity to qualify for particular financing, neither is the be offering restricted to purchases best with Common. You’ll additionally earn an infinite 2% money again each and every time you utilize the cardboard.