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New services and new benefits will soon be in the making by innovative credit card companies---highly creative companies who wish to lure prospective customers from other credit card companies. To compare credit reward cards adequately, new offers should be part of the equation. The final comparison of credit card reward cards, new offers that are just entering the picture, need to be included for the customer to see all the benefits they could gain.

With America so seriously in debt, in order for credit card industries to continue making a profit they have needed to come up with unique ideas to bring customers back and bring in new ones. One example is the Gold Rush 2010 credit card, a gold bullion card tied to the market value of gold. Once the customer deposits a certain quantity of gold value into the credit card the credit card's collateral will be 75% of the gold deposit. The remaining 25% is to cover any fluctuation of the gold market and to make the banker more secure about extending additional credit.  And certainly gold fluctuates, causing the credit card limit to rise or fall as the gold does.  Gold Solutions Marketing has informed of plans to secure credit cards with gold bullion backing,  with the balances over what is spent on the card to accrue interest from 8% to 13% APR---adjusted every six to twelve months to reestablish new credit lines .  The card will hopefully launch by the third quarter of 2010.

The interest rates have long been in the making, going up strategically high to the point of ridiculous. However now, what is going up are the percentages on cash back on certain pushes, reward increases for airlines, and a general upgrade over it all. Five percent cash back instead of three percent cash bank on certain purchase types are part of the redo of Chase Freedom credit card rewards program. Citibanks credit card American Airlines has pushed their rate increase of one mile for every dollar to 1.2 miles per dollar.

Meanwhile, the J.P. Morgan cards---Marriott and British Airways---are in the process of having their reward programs updated. Another fun thing that may become popular is transferring points to family members or friends who have similar accounts. Presently, this is being done for free to a minimal charge.  Other credit card companies are allowing card holders to transfer their points to a favorite charity as a donation.

Chase's Sapphire Credit Card seems to be a business model for other credit companies who have affluent consumers with exceptional service and premium rewards. The card offers unlimited rewards and exceptional experiences, no expiration for points (ever), unrestricted airline travel, no blackout dates, and all rewards are guaranteed anytime. Even though this card will not be applicable for many, there still are the same advantages for the Blue Sapphire credit card reward programs as with others.

•    It will build customer loyalty
•    The people who have it are not likely to default
•    Transaction volumes are expanded
•    The charges applied to merchants will benefit the credit card issuer by 1% to 2% of each purchase value.