How do I decide what type of rewards program will be... - Cash Back Rewards Questions


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Credit Card Applications » Questions » User Questions » Cash Back Rewards » How do I decide what type of rewards program will be the most useful for me, so I apply for the...

How do I decide what type of rewards program will be the most useful for me, so I apply for the best credit card I can get?

Answered on | Updated on August 28th, 2017
The content is accurate at the time of publication and is subject to change.

There are so many different rewards programs; choosing just one can be daunting. First, think about whether you’d prefer a cash back credit card, a points rewards card, or perhaps a travel rewards card. Each has things to recommend it. The great thing about a cash back card is that you can actually get money back, in the form of a statement credit or a check. But travel rewards cards often have the most lucrative, high-value rewards, including enough points for a round trip plane ticket or a weekend in a hotel. And points cards offer flexible redemptions for things like gift cards, merchandise, cash back, or travel credits. It’s really up to you. And remember, you don’t have to choose just one! Lots of people carry more than one credit card. If you have a good credit score, go ahead and apply for a couple of great cards today. For example, if you are Fred Meyer frequent shopper their credit card can be the right choice for you.

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.
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Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Excellent, Good Credit
Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
Fair Credit
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
Good, Excellent Credit

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