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"This summer, my husband and I decided to open a joint credit card and for once, I actually paid attention to the numerous credit card offers that filled my mailbox. After sifting through an overwhelming paper pile, I realized that there is no one-size-fits-all best credit card rewards program. Instead, the best card for each individual is based on your unique lifestyle and spending habits. Start off by assessing your credit, your credit card spending patterns and the types of rewards you want to earn. John Ulzheimer from the credit resource Credit Card Insider says, &amp;quot;Rewards programs vary greatly, from points, airline miles, cash back, retirement account contributions and even no-interest categories.&amp;quot; You need to decide which of these are enticing for you and remember this is a very personalized decision. Travel If you are looking for a travel card, then consider one attached to hotel chains or major airlines. Get specific with your unique needs and goals. Are you an avid traveler that flies United Airlines all the time? Then you should consider the United MileagePlus Explorer card that awards 30,000 bonus points if you spend $1,000 in the first three months and has perks like priority boarding, United Club passes and no foreign transaction fees. The Starwood Preferred Guest credit card from American Express provides a $0 introductory annual fee for the first year and allows you to earn a bonus of up to 25,000 points, provides five Starpoints for each dollar spent at participating SPG hotels and one Starpoint for regular purchases. Cash Back Having more cash in your wallet is always a good feeling. Cash-back rewards cards provide you with money for every dollar you spend. NerdWallet.com has an easy-to-use form that allows you to enter your preferences for annual fee, network and credit score to see the card that will work best for you. TD Bank Easy Rewards offers 5x rewards in the first six months on eligible purchases and one point for $1 spent. Points can be redeemed for actual money, travel or goods. Another popular cash-back card is Chase Freedom that provides 1% cash back, bonus cash back in certain categories (like gas and groceries), rewards that never expire and no annual fee. USAA provides insurance, banking, investment and retirement products to 9.8 million members of the U.S. military and their families. If you have served our nation, look into membership and their credit card rewards programs. The USAA Rewards program offers 2,500 bonus points with your first purchase and allows you to earn one point for every dollar charged, and even more points when you shop their MemberShop program. No matter what card you choose, keep in mind that &amp;quot;usability is the key to any good rewards program,&amp;quot; Ulzheimer says. &amp;quot;Too many people sign up for a rewards card, earn reward points and then never use them, thus defeating the purpose.&amp;quot; Maitland Greer is a money-saving contributor to The Manilla Folder and senior marketing manager of Manilla.com, a platform that helps you manage your finances, utilities, daily deals, travel and rewards programs, and subscriptions\u2014all in one place. Maitland is also a regular contributor to Yahoo! Finance, Good Housekeeping, Redbook and other major sites. For more personal budgeting tips, visit Manilla.com. "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.womansday.com/life/work-money/tips/a7096/best-credit-card-rewards/>