Can I Use My Military Star Card At The Commissary

Utilise our table to compare rewards credit cards and notice the right option for your needs. To kickoff, click "Show filters" to select your credit score, the features you want and the rewards type. You can also select specific card issuers to browse.

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The best rewards credit cards of 2022

Finder's credit card experts selected eleven credit cards out of 200 based on the cards' rewards program and additional perks.

See the winners

When shopping for a rewards credit card, consider the following:

Rewards. Consider where you spend most of your money and compare the cards with the highest rewards rate on those categories.
Involvement rates. Rewards cards come up with high interest rates, just these are rarely meant for carrying residue. The exception here is a card with a 0% intro APR period on purchases or rest transfers, which come with an interest-free catamenia for carrying your residual during a promotional menstruation of between 12 and 18 months.
Annual fee. Almost everyday cards come with a $0 annual fee, which is nifty. But the cards with the highest rewards and the most valuable benefits charge an almanac fee of between $99 and $550. Consider whether you can start the almanac fee with the card'due south perks and rewards.
Additional perks. The more expensive the card, the college the benefits. This ways a travel carte with a $550 annual fee offers mode more than a card with a $0 almanac fee. For example, the premium travel menu comes with airport lounge access, upward to $300 statement credit, points transfer to partners, premium travel insurance and more than.

To maximize your rewards, get a rewards bill of fare that offers more than points in the category you spend near.

There's a wide variety of rewards credit cards available on the market catering to a variety of financial needs. Hither'due south a breakdown of each of your major options and who should get them.

Cash back

Rewards earned with these cards are given as cash back. Redeem this cash back as a statement credit or deposit into your bank account.

Become this type of rewards card if: you prefer a simple, fire and forget rewards structure.

Points

These cards earn points on certain purchases, such as restaurants, gas or streaming services.
Redeem these points in a diversity of ways, such as travel, gift cards or cash back.

Get this blazon of rewards card if: you like flexibility and enjoy getting fifty-fifty more value out of your rewards with a lilliputian research.

Travel

These cards earn points or miles on travel purchases, such as flights, cruises or hotel nights. These cards aren't tied to a specific travel brand, letting yous earn rewards regardless of how you travel.

Go this type of rewards card if: y'all travel frequently but don't take a single airline or hotel y'all use more than than others.

Airline

Earn bonus miles when you lot spend on flights and other eligible categories. You tin redeem these miles on additional flights and other rewards. These cards often come with additional airline benefits associated with a specific airline such as Delta or American Airlines.

Get this type of rewards menu if: you largely wing with a single airline, want to redeem your credit card rewards back into flights, and desire additional perks for your flights and airdrome travel.

Hotel

Earn points when y'all spend on hotel stays and other eligible categories. Redeem these points on rewards nights and other hotel rewards. Similar airline cards, hotel cards oft come with additional hotel perks associated with a specific hotel concatenation.

Go this type of rewards bill of fare if: you have a preferred hotel chain you utilize, plan on spending your credit card rewards on additional nights and want additional perks associated with that hotel chain.

Retail

These cards offer benefits and rewards tied to a detail retailer. Often, you can only use these cards with the affiliated company.

Get this type of rewards card if: you frequently store at a particular retailer, desire to redeem rewards back into that retailer and don't need to use your credit bill of fare for other purposes.

Gas

Gas credit cards are worth it if yous're often on the road and want to earn some greenbacks back when filling upward your tank. Most gas credit cards allow yous earn cash back, merely some offer discounts, points or miles on your purchases. You'll get rewards on gas purchases, likewise every bit on other categories such as groceries and dining.

Become this type of rewards menu if: y'all drive more you fly for travel, enjoy cashback features and have stiff credit.

Crypto

Crypto credit cards are the newest blazon of "rewards" carte du jour on the market. They allow you lot to earn or redeem cryptocurrency on eligible purchases. The blazon of crypto you can earn depends on the crypto card and affiliated crypto platform.

Go this blazon of rewards card if: you don't mind taking risks with your coin and are interested in investing your earned rewards more spending your rewards.

Well-nigh credit card providers offer a rewards program of some kind. To choose the best rewards program for your needs, consider whether you lot want a elementary rewards structure like cash back or whether you desire rewards redemption flexibility.

Rewards program	Highlights	Plan guide
Amex Membership Rewards	Points worth i cent on average Pay eligible charges on your credit card statement with points Pay with points on Amazon, PayPal, Grubhub and more than Redeem for souvenir cards Book hotel stays, flights, auto rentals and cruises Shop with points Transfer points to 22 partner airlines and hotels, including Delta, British Airways, Hawaiian Airlines, JetBlue, Virgin Atlantic, Hilton and Marriott	Amex rewards programme guide
Bank of America Rewards	You can earn cash with cashback cards and points with travel cards Points are worth one cent apiece for travel statement credit redemption Gift cards and cash back have a lower redemption value for points Cashback rewards can but be redeemed for cash with equal value Preferred Banking company of America members can earn 25%, fifty% or 75% more rewards on purchases	Banking concern of America rewards programme guide
Capital One rewards	You lot can earn greenbacks with cashback cards and miles with travel cards Travel miles are typically worth 1 cent apiece when redeemed for travel purchases Redeem miles for gift cards and cash with a lower redemption value Transfer miles to partner airlines, including Air Canada and Air Mexico	Capital 1 rewards program guide
Hunt Ultimate Rewards	All Hunt Freedom, Sapphire and Ink Concern cards earn points Combine points between multiple cards Points worth 1 cent on boilerplate Book hotel stays, airfare, car rentals and cruises via the program Points are worth 25% more when redeemed at the portal with a Sapphire Preferred menu Points are worth fifty% more than when redeemed at the portal with a Sapphire Reserve card Redeem for greenbacks as a statement credit or souvenir cards Buy trade Shop with points on Amazon.com Transfer points to 12 partner airlines and hotels, including Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Earth of Hyatt and Marriott	Hunt Ultimate Rewards guide
Citi ThankYou Rewards	Points are worth 1 cent on average for travel purchases Redeem for greenbacks as a argument credit or souvenir cards Shop with points on Amazon.com Pay with points to cover statement credit purchases Utilise points toward your student loan or mortgage Transfer points to partner airlines, including JetBlue, Virgin Atlantic, Turkish Airlines and Aeromexico Donate points	Citi ThankYou rewards program guide
Discover rewards	Travel menu earns miles Cashback card earns greenbacks Miles are worth 1 cent apiece Redeem miles for a argument credit toward travel purchases or cash every bit a direct eolith You tin can't transfer miles to airlines or hotels	Discover rewards guide

With a expert or excellent credit score getting a rewards credit card is easy. But to make the virtually of your rewards, and to stay out of debt, you'll need to exercise some work.

How to earn points

Spending is the best way to earn points. But some cards offer more points for sure categories, similar gas, groceries, department stores, dining and travel. Other cards offer a flat reward for all purchases. Review your spending habits to discover the right rewards menu for you.

How to maximize points

Maximizing your credit card rewards takes dedication. You need multiple credit cards that each earn accelerated rewards on a particular category. And then use each carte where it earns the most. One of the best credit bill of fare combinations is the Amex trifecta.

Another style of maximizing points is by earning the signup bonus and redeeming your points with the highest redemption value. In some cases — as with the Hunt credit cards — y'all can transfer your points from one card to another and get upwardly to 50% higher redemption value.

How to redeem points for the best value

To get the highest points redemption value, yous demand to use your points for the right reward. For example, travel credit cards often take a one cent value per point, just merely if y'all redeem it toward travel purchases. This means, avoid souvenir cards, cash and merchandise and focus just on travel redemption.

Some credit cards let yous transfer points to partner airlines and hotels. But this doesn't necessarily mean that you'll get improve points value. To be sure you become the well-nigh for your points, compare the redemption value in points on your credit menu and travel partners by dividing the cash price by the points cost.

Instance

A hotel stay costs $200 when paid with cash, thirty,000 with credit carte points and twoscore,000 points with partner hotel rewards programme.

$200 divided past xxx,000 points = 0.006
$200 divided by 40,000 points = 0.005

This means y'all get a 0.vi cents per signal value with your credit card points and 0.5 cents per bespeak value with the partner hotel. The higher the number, the higher the redemption value. In this case, it makes more than sense to redeem your points with your credit carte du jour program than to transfer them to the partner hotel rewards plan.

You might take thought nigh getting a rewards credit card to earn cash back, flights or even complimentary hotel stays. While getting a bill of fare with such perks might seem like a no-brainer, a rewards credit menu is not right for everyone.

To determine if a rewards credit card is worth it for you, consider factors such as your spending habits, rewards goals and the carte du jour's almanac fee. Be sure to weigh the pros and cons before applying.

Who should apply a rewards card?

Frequent spenders. If you plan on using your credit card frequently, you can do good from strong rewards.
Loyal customers. If you practice most of your shopping through a detail store, a retail card can reward you especially well versus another rewards card.
Cardholders who make regular payments. Making timely payments is crucial if you wish to make the most of your rewards credit carte. If you keep a balance on your card, y'all'll accrue interest that will consume into your rewards.

Who shouldn't employ a rewards card?

People in debt. If you're in debt, consider a balance transfer card rather than a rewards card. It may be wise to avoid the temptation of earning rewards through additional spending.
Irregular spenders. If y'all don't utilise your credit card regularly, it may not be worth paying the fees for a rewards carte du jour. This product type is just benign if the budgetary value of your rewards exceeds the costs of the card.

Mark D. Groza
Associate Professor of Marketing
Northern Illinois University

What is the best way to utilise credit menu rewards?
There are two schools of thought here. Get-go, from a purely economic perspective, the 'all-time way' to use a credit menu with rewards is to use them for something y'all need in a way that maximizes the value of the points. Let's say your credit card company offers a 20% bonus if you redeem them for a gift card to a retailer that you frequent – 'the best' manner to use the rewards so, is to use them on products/ services that you need, which have the highest bonus (i.e., points that have the highest dollar value).

A second perspective is, rewards are a bonus and should be used for something that you actually want but may not necessarily need. For instance, perhaps you e'er wanted to take an all-inclusive trip to the Caribbean but could never justify the expense. Amassing plenty points to embrace the trip is a great way to justify it. This may not maximize the points' economic value, but it does provide tremendous value to the credit menu holder and for some people is probable the 'best way' to use credit card rewards.

Lee Huffman
Budget Travel Web log
BaldThoughts.com

What'due south ane question everyone should ask before getting a rewards card?
Paying an annual fee on a travel card is worth it but if yous can reasonably make back the fee through its benefits and rewards or if information technology provides desirable optionality for redemption. Statement credits, discounts at retailers, and other carte du jour benefits can get you dorsum to par. But the almost important consideration is whether the card affords you the option to redeem for rewards that you lot can utilize.

Before applying, count how many means you lot can redeem your miles or points with the airline or the credit carte du jour issuer itself. And pay attention to the quantity and quality of travel partners that are a function of the redemption network.

Eliot Buchanan
Co-Founder and CEO
Plastiq.com

What are the almost important features of a rewards card?
The feature itself is not every bit important as understanding how to earn and redeem those rewards to their fullest potential. Not only should the rewards match what you desire to redeem for, but you should also be intimately familiar with the value and options provided within the rewards program. And if you understand how to arbitrage your rewards for maximum value, even better!

Audrey Guskey
Associate Professor of Marketing
Duquesne University

What is the all-time way to use credit menu rewards?
My advice is to match the rewards to your interests. If yous like to travel, take advantage of that. If you like going out to swallow, so apply your rewards for restaurants. The biggest tip is to marshal rewards with your involvement! If you like to store, pick one that's accepted where you want to shop. Trading points for souvenir cards is ever a smart move.

The more you apply your credit carte du jour, the more points you will get, but be careful you don't spend as well much and over budget. Always pay your balance in full each calendar month. Otherwise, fifty-fifty the rewards you lot earn may be eaten upward by the involvement payments. And don't sit down on those rewards. You may forget about them or the program may change and you lot could lose those points.

Yuliya Strizhakova
Associate Professor of Marketing
Rutgers University School of Business-Camden

For the average consumer, is information technology better to get cash dorsum or points on a rewards bill of fare?
It depends on what this average consumer wants. Earning cash is frequently an immediate next argument
reward. Information technology is an instant deduction in payments that gives a feeling of really getting something back from the credit card. Earning points may be benign if someone is aiming at a higher-priced award (east.g., airline tickets) or is looking for a discount for an expensive item. However, the reward is frequently delayed and may require a longer commitment to spending to earn this reward.

Paolina C. Medina
Banana Professor of Finance
Texas A&M University

Why might credit rewards make you spend more?
Rewards are a corking benefit of credit cards when used properly. However, at that place are several ways in which our brain can fox us into overspending.

For example, whenever a reward is framed as part of a claiming (like many introductory credit card offers), our brain triggers a gaming mentality, by which we don´t want to miss out on a prize: we pay a disproportionate amount of attention to the prize, compared to the cost incurred to earn it…

Merely the principal risk is that this overspending may trigger the habit of revolving instead of paying the bill in total every month, in which case interest cost tin can break the banking concern.

Vassilis Dalakas
Ph.D., Professor of Marketing & Chair, Department of Marketing
Cal State Academy San Marcos

How tin consumers go the almost value from their rewards credit cards?
It is tempting to sign upward for multiple rewards credit cards given the rewards and the fact that many of them accept very appealing signup offers. However, it is important to always keep in mind one's own interests and behaviors in determining if signing upwards for and using a rewards credit carte is worth it. For example, getting a Disney rewards credit card makes sense and will provide practiced value for someone who is a big fan of Disney and visits Disney parks frequently but would exist of little value to someone who buys Disney products or visits Disney parks sporadically.

Matthew Fisher
MBA, Lecturer
San Francisco State Academy

What is the ideal number of rewards cards to ain?
The platonic number of reward cards to concord volition vary past private… Information technology is very probable that almost consumers can handle ii to iii reward cards and recall when they are best to use, but beyond that number would exist very taxing for nearly. If two or three cards offering quarterly rotating benefits, then it would be difficult for a consumer to evaluate which carte du jour to select in the moment of checking out at the grocer, gas station, department store, or eatery. If the cards also carry annual benefit maximums, then the decision becomes even more challenging.

There'southward no shortage of rewards credit cards to choose from. Remember near what rewards you desire and how you typically spend, so compare a few cards earlier settling on the winner.

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis take appeared on CNN, U.S. News & Globe Report, Business organisation.com, Lifehacker and CreditCards.com.

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