Personal finance

Best Rewards Credit Cards of December 2021 | Personal finance

Flexible points

We have also researched credit cards that allow you to redeem rewards in several ways, or at the very least, could be redeemed for statement credits to cover purchases. Keep in mind that there are also many great airline and hotel credit cards that you should consider if you prefer to earn points in a specific loyalty program.

Valuable advantages

Credit cards with substantial annual fees are expected to provide cardholders with valuable travel and shopping benefits. The higher the annual fee, the more you have to expect from your card.

Comprehensible annual fees

Finally, we took a close look at annual fees and what cardholders could expect in return in terms of perks and perks. Most of the best reward cards have an annual fee, so we didn’t count them. Instead, we made sure the annual fee made sense in terms of the value you might receive in return.

Appeal to: A factor that we does not have considered in this ranking is each credit card’s annual percentage rate, or APR. Since rewards credit cards that offer bonus offers charge high interest rates, you should not be looking for rewards or bonus offers if you plan to keep a balance. The credit card offers explained on this page only make sense to pursue if you intend to pay your credit card bill in full each month.