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Choose Your Own Rewards Card: How To Get The Rewards You Really Want

[Thursday, August 3rd, 2017]

Applying for a great rewards credit card is one of the best things you can do for yourself, if you’d like to earn points, frequent flyer miles, and cash back just for buying things you’d be buying anyway. But there are so many different rewards credit cards out there; it can be difficult to know which one is the right one for you. Here’s a brief rundown on the types of cards and how they work, so you can choose the rewards credit card that gives you what you really want.

Cash back credit cards. Many, but not all, of these types of cards work on a rotating-calendar basis; this means you can earn 5% cash back on all purchases made in a certain merchandise category that changes quarterly. This is great if you’d like a card that gives you lots of different opportunities to earn cash back, no matter where you shop. In the spring, you might get more cash back at home improvement warehouses, while during the holidays, you might earn 5% back at department stores. Other cash back cards offer double or triple cash back in one certain category, year-round, such as gas or groceries.

Travel credit cards. These cards can earn you frequent flyer miles, free or upgraded hotel stays with VIP treatment, and statement credits for any type of travel expense, whether it’s train tickets, taxi fares, or a cruise. Many of them also waive foreign transaction fees and offer increased protection against fraud, as well as perks like free bag check and priority boarding. You can go with a co-branded card that earns you rewards with one specific airline or hotel chain, or a general travel rewards card that offers no blackout dates or other restrictions of award travel.

Points credit cards. If you’re looking for flexibility, then a card that offers points for every purchase is the way to go. These reward points can be redeemed for statement credits, merchandise, miles, or gift cards, giving you a choice of how you’d like to use your rewards. Look for a card that gives double points in the spending category you’re most likely to utilize, and you’ll get the most from this type of card.

See also

Q: 5 Questions to Ask Before Signing Up for another Rewards Credit Card

There are so many great credit cards out there, and if you’re like many people, it’s hard to resist the latest advertisements for a big signup bonus, a zero interest balance transfer offer, or a card with no late fees and amazing perks.

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Q: The One Reason You Need A Travel Credit Card

Maybe you have plenty of credit cards, but you only end up pulling out the same one over and over. You may think that the last thing you need is another credit card. But if you don’t have a travel credit card, you could be missing out.

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Q: Pay For Your Next Vacation With Credit Card Rewards

Have you planned your next vacation yet? If so, have you thought about how you’ll pay for it?

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Q: Surviving the Holidays Debt-Free

It’s the season for spending. Yes, the holidays are about more than just shopping, but there’s no way around it: people spend more during the holidays, whether it’s for gifts, food, travel, or all of the above.

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Q: How to Use Frequent Flyer Miles Without Flying

If you’ve got a frequent flyer rewards credit card, you probably already know that you can earn miles for more than just flying.

more ››
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