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the advanteges are that there good, and disadvantages are that you can loose them
There are many fixed APR credit cards in which have a good loyalty program including but not limited to American Express, Capital One, Bank Of America, Barclay Card, Citibank, Chase, Discover and MasterCard.
Whether or not a loyalty card has the "best rewards" is determined on the individual's perspective. For instance, some individuals find that the best rewards are those that offer cash back. Other individuals think that the best loyalty programs are those that offer frequent flyer miles, or discounts on select merchandise. The important thing is for the individual to find the loyalty program which best suites their desires.
"The rewards vary from gift certificates, gift cards, using them for travel and purchasing merchandise. You can also use your points for donating to you favorite charity.The royal bank has many different types of cards from personal to business cards for their employees."