How do I know which type of rewards are right for me? - Credit Card Rewards FAQ


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Credit Card Applications » Questions » FAQs » Credit Card Rewards » How do I know which type of rewards are right for me?

How do I know which type of rewards are right for me?

Answered on | Updated on February 10th, 2013
The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
The right card for you all depends on several factors:
  • How you plan to use the card: If you’ll be using your card to make everyday purchases and not paying special attention to where you pull out the card, a card that awards points might work well for you. Reward points usually don’t expire and have no limit on how many you can earn, unlike cash back cards that offer extra cash back in rotating categories. Those are usually capped at $75 cash back per quarter. Points cards often have no limits on what you can earn. But if you are a traveler and want to earn extra points from airline or hotel purchases, look at travel cards to see which ones would help you rack up the most rewards.
  • What you’d like to get with the card: If you want cash, a card like Discover – the original cash back bonus innovator – would work great for you. If you like using gift cards, or giving them as gifts, the Citi ThankYou network offers gift cards from hundreds of popular retailers. If free flights and hotel rooms are more up your alley, look for a travel rewards credit card.
  • Your credit history and score: Pay attention to the recommended credit level on the card you want to apply for. Many rewards cards are targeted toward people with very good or excellent credit. There are plenty of rewards cards available to people whose credit scores aren’t so great, but they may be more limited in what they offer.
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 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at
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Earn unlimited 1.5% cash rewards on all purchases.
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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.
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