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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.