• Earn hundreds to thousands of dollars a year
• Earn points for hotel stays
• Earn points for ﬂights
• Earn points for merchandise
WHY GET A REWARDS CREDIT CARD?
IS IT RIGHT FOR YOU?
• Have a good credit score
• Pay your bill off in full each month
• Be able to meet the sign up bonus requirement
• Make sure you actually redeem your rewards and
don’t let your points expire
CASH BACK REWARDS CARD
• Cash is king
• Usually 1% with some offering rotating 5% categories
• Limits to how much you can earn back or how much
you have to spend to earn a higher rate
POINTS REWARD CARDS
• Many points worth more than typical 1% cash back
• Rewards you can’t get anywhere else - ie exclusive
• Awesome sign up bonuses
• Annual fee
• Points can expire
• Do you prefer Cash? Travel? Merchandise?
• Where do you spend the most?
• How much you plan to travel? Internationally?
• What additional perks are important to you?
• Are you willing to pay an annual fee?
CONSIDER YOUR GOALS
• Find the best credit card to add to your wallet based
on your spending habits and your preferences
• Maximizes your rewards by showing your best card
to use every time you shop