Top Credit Card Rewards
Credit cards can be your best friend or worst enemy. The top credit cards rewards program can fly you around the world for free, help you save on gas and groceries, or give you cash back. Plus, it’s easier not to have to carry around cash everywhere you go.
Credit cards can also cause serious financial problems. If you don’t use credit cards correctly, you can find yourself in serious financial trouble.
If you haven’t learned to spend within your means, there’s no reason you should be looking at the top credit card rewards programs.
Once you have your spending under control, it’s time to take advantage of the top credit card rewards programs. Although, never forget that credit card companies issue rewards to encourage you to spend more.
When searching for a rewards card, know that there is no one single card that offers the best rewards to everyone. Rewards will differ on your spending patterns. For example, there’s no point in getting a card that offers you 5% back on hotels if you only travel once a year.
You need to match your rewards with your spending habits. Before applying for a card, review your spending habits. Where do you spend the most money? If it’s transportation, get a gas rewards card. If it’s entertainment, get a rewards card that offers you cash back on your entertainment purchases. If you have an existing balance that you want to pay off, get a balance transfer card.
Overall, don’t settle for only a 1% cash back. There are plenty of cards out there, if you use them right, that can average 2% or even more.