The content is accurate at the time of publication and is subject to change.

You don't say what those particular needs are, but I will hazard a guess that you'd like more flexibility in how you redeem your rewards, along with more ways to earn those rewards. One good option is a credit card that offers 5% cash back in rotating categories. These categories will change each quarter, giving you maximum opportunity to earn cash back in different spending categories throughout the year. Cash back is a great reward, because it can be applied as a statement credit and therefor your balance will go down without you doing anything at all. But check and see whether redeeming your rewards for gift cards, donations to charity, miles or other rewards gives you double or triple the value of getting cash back. Often, this is the case. Even a card that calls itself a cash back card usually gives other options for reward redemption, so be sure you read your terms and conditions thoroughly.

tags : Banks Cash Back Rewards

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.