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Find the Best Rewards Credit Card for You


The selection of great rewards cards is so ripe, choosing the right one for you can be tricky. Do you spend a lot on groceries? Gas? Do you eat out frequently or regularly fly across the country or overseas? You can find cards that reward those patterns. Also consider how much work you want to put into tracking your earnings. Would you like to play the game by, say, signing up for 5% rewards on rotating categories each quarter and carefully planning purchases? Or would you rather avoid the hassle and settle for a flat 2% back on everything? If you carry a balance, you probably shouldn’t use a rewards card at all: They tend to charge higher interest rates, and your earnings will likely be outweighed by interest charges.

We’ve sorted through the cards and picked the ones that offer stellar deals in a variety of categories. To give you an idea of how much you might earn, we used average spending patterns from the Bureau of Labor Statistics Consumer Expenditure Survey to calculate a typical annual rebate, based on $22,000 in annual purchases (estimated rebates don’t include sign-up bonuses, and they don’t reflect the annual fee if it is waived the first year). For many of the best offers, you’ll need a credit score of about 750 or higher.

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