View Best Specialty Credit Cards - Comparewise

Best Specialty Credit Cards

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Specialty

The PC Financial World Elite MasterCard is one of the best cards to earn...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 10 pts
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: no reviews
The highest tier available and the flagship of Crypto.com’s MCO card...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 5,000 MCO...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.75%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 5,000 MCO...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.75%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 500 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 500 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 2.5
To access this card tier, customers are required to stake 50 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
Considered the beginner-level MCO card, this card does not require the...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 3.5

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Specialty Credit Cards

Everyone has a favourite retailer. Maybe they have the best mobile phones. Or they always have stock for your preferred lipstick shade.

What if these beloved retailers could earn you rewards for purchases you make? That’s where specialty rewards credit cards come in.

What is a Specialty Rewards Credit Card?

These credit cards earn you special rewards on unconventional purchases. Specific merchants and organizations, like General Motors, make rewards available to customers for their products. So, it’s possible to have a credit card suited to your preferred purchases and interests.

Common Features and Benefits

Every specialty rewards credit card offers different perks. You can earn anything from free hotel stays to access to exclusive experiences. Some cards also allow you to transfer points to other travel programs and earn free movies and entertainment. Specialty rewards credit cards can also come with insurance.

Pros and Cons of Specialty Rewards Credit Cards

Before settling on this type of rewards credit card, consider the advantages and disadvantages.

The Pros of Specialty Credit Cards

  • The no-fee options are available. Some specialty rewards credit cards carry no annual fee.
  • Premium perks. Specialty rewards credit cards offer premium perks like Priority Pass, a complimentary concierge service, and lucrative welcome bonuses.
  • Annual fee rebates. Certain specialty rewards credit cards rebate the annual fee for the first year.

The Cons of Specialty Credit Cards

  • Limited rewards redemptions. You can only redeem the rewards you earn at the specific merchant or organization for some specialty rewards credit cards. For instance, Aeroplan points can only be redeemed for flights with specific airlines.
  • Low rewards outside of partner stores. Some specialty rewards credit cards offer rewards for other card purchases not specific to the merchant. These rewards are often much lower.

specialty rewards credit cards -comparewise

Choosing the Right Specialty Rewards Credit Card for You

Deciding on a specialty rewards credit card is simpler than other rewards credit cards. Consider where you shop often and what merchants you’re loyal to. As long as you’re committed to shopping at that one place, you can get a specialty rewards credit card. If you’re not loyal to the merchant, the card may not be helpful to you.

Besides your retailer preferences, it's also essential to consider the earn rates on the card. If the card carries a high annual fee, determine if the rewards justify it. Remember to choose a card that carries an annual fee you can manage. Also, go for one that provides lucrative rewards for purchases.

It’s wise to look for other perks the card offers as well. Maybe you get Visa Infinite benefits or travel insurance. These benefits can help you decide. You can bet on the card if you foresee using the additional perks.

Some specialty rewards credit cards have enticing introductory offers. However, you typically only earn them after you spend a certain amount. So look beyond the offer and consider the terms.

Will you organically spend the specified amount in the period to earn the reward? If so, you’ve found the right card for you.

As with all other credit cards, read the fine print. Make sure you understand the basics of the rewards program. Also, look out for clauses that may keep you from maximizing the card's value, like spending caps.

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Advertise disclosure

Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

Get $50 CAD of BTC with promo code: COMPAREWISE
Min Investment
$10
Target Return
4-7%
Trace crypto on Nexo and earn up to 20% APR
Min Investment
$1
Target Return
Up to 12%
Earn Up to 17% on your crypto and borrow USD
Min Investment
$1
Target Return
2-18%
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Min Investment
$1
Target Return
Varied
Trade 150+ cryptos plus use your crypto for purchases
Min Investment
$1
Target Return
Varied
Buy and sell shares in best-selling paintings
Min Investment
$15,000
Target Return
10-25%
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Min Investment
$1
Target Return
Varied
Get up to $5,000 cashback on Canada's #1 trading platform.
Min Investment
$100
Target Return
Varied
Earn rewards when you buy and sell crypto on BlockFi
Min Investment
$1
Target Return
Up to 8.6%
Make, buy, and sell digital art NFT's using Ethereum
Min Investment
$1
Target Return
Varied
A marketplace for small and local business investment
Min Investment
$100
Target Return
10-15%
Online real estate investment in one platform
Min Investment
$25,000
Target Return
9-24%

comparewise

March 17, 2022
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FAQs about
Specialty Credit Cards

Should I Get a Specialty Rewards Credit Card?

Specialty rewards credit cards are great if you’re loyal to one retailer. Also, if you want to earn points for a specific purchase at one retailer.

Is It a Good Idea to Get a Credit Card for a Specific Store?

It depends on whether you’re committed to shopping at one specific store. If you’re a loyal customer, a specialty rewards credit card is an excellent idea to earn a return on your purchases. However, if you shop at one place infrequently, you won’t get much value from a specialty rewards credit card.

Is a Specialty Rewards Credit Card Better Than a Regular Rewards Credit Card?

There isn’t a catchall answer to this question. Everyone has unique shopping and spending habits, so these can help you decide which card is better for you.

A regular rewards credit card can earn you more perks, but it may not have great rewards for your preferred retailers. And a specialty rewards credit card may not be helpful if you don’t plan to shop consistently at one place.

That’s why it’s best to compare credit cards before settling on one. You’ll be able to see which one will earn you the most return.

How Can I Maximize My Rewards With a Specialty Rewards Credit Card?

To get the most return from your specialty rewards credit card, consider the following tips:

  • Use your card for routine expenses.
  • Combine membership points.
  • Opt-in for exclusive offers and deals.
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