{"id":32250,"date":"2025-09-18T04:15:46","date_gmt":"2025-09-18T11:15:46","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=32250"},"modified":"2025-08-27T08:36:28","modified_gmt":"2025-08-27T15:36:28","slug":"how-do-i-choose-the-best-rewards-credit-card-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html","title":{"rendered":"How Do I Choose the Best Rewards Credit Card?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31654\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg\" alt=\"best rewards credit card\" width=\"395\" height=\"254\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics-300x193.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics-50x32.jpg 50w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/>A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card. So the more you purchase, the more rewards you earn! There really is no magic to selecting the right reward cards. In fact, it basically comes down to just a few basic steps. Here&#8217;s how to choose the best <a href=\"https:\/\/lenpenzo.com\/blog\/id32248-what-is-a-rewards-credit-card-2.html\" target=\"_blank\" rel=\"noopener\">rewards credit card<\/a>:<\/p>\n<h3><strong>Identify your most important perk<\/strong><\/h3>\n<p>For example, if you&#8217;re not interested in traveling, then consider a cash dividends or rebate card. On the other hand, if you&#8217;re looking for ways to offset some future travel to an exotic locale, you may be better served with a rewards card that offers hotel points or airline miles.<\/p>\n<h3><strong>Look for cards with the biggest sign-up bonuses<\/strong><\/h3>\n<p>If you play your cards right, many airline cards offer introductory bonuses that are big enough a free flight. And in many cases, you can use that bonus as soon as you sign up! Likewise, many hotel rewards cards will offer sign-up bonuses that are instantly good enough for at least one or two nights.<\/p>\n<h3><strong>Figure out where you spend the most money<\/strong><\/h3>\n<p>This will help you rack up rewards quicker. For example, if you drive a lot, look for cards that award extra points, miles, cash back, or dividends for fuel purchases.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: GotCredit<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card. So the more you purchase, the more rewards you earn! There really is no magic to selecting the right reward cards. In fact, it basically comes down to just a few basic steps. Here&#8217;s how to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[488],"tags":[],"class_list":{"0":"post-32250","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-card-basics","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Do I Choose the Best Rewards Credit Card?<\/title>\n<meta name=\"description\" content=\"There&#039;s no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here&#039;s how to choose the best rewards credit card:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do I Choose the Best Rewards Credit Card?\" \/>\n<meta property=\"og:description\" content=\"There&#039;s no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here&#039;s how to choose the best rewards credit card:\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-18T11:15:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"411\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Len Penzo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Len Penzo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\"},\"author\":{\"name\":\"Len Penzo\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/3968bb46693d14b2ae2ab4958aa41dfd\"},\"headline\":\"How Do I Choose the Best Rewards Credit Card?\",\"datePublished\":\"2025-09-18T11:15:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\"},\"wordCount\":229,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/06\\\/credit-card-basics.jpg\",\"articleSection\":[\"Credit Card Basics\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\",\"name\":\"How Do I Choose the Best Rewards Credit Card?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/06\\\/credit-card-basics.jpg\",\"datePublished\":\"2025-09-18T11:15:46+00:00\",\"description\":\"There's no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here's how to choose the best rewards credit card:\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/06\\\/credit-card-basics.jpg\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/06\\\/credit-card-basics.jpg\",\"width\":640,\"height\":411},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lenpenzo.com\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Do I Choose the Best Rewards Credit Card?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"name\":\"Len Penzo dot Com\",\"description\":\"The offbeat personal finance blog for responsible people.\",\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\",\"name\":\"Len Penzo dot Com\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"width\":359,\"height\":360,\"caption\":\"Len Penzo dot Com\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/www.facebook.com\\\/LenPenzo\",\"https:\\\/\\\/x.com\\\/LenPenzo\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/3968bb46693d14b2ae2ab4958aa41dfd\",\"name\":\"Len Penzo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"caption\":\"Len Penzo\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How Do I Choose the Best Rewards Credit Card?","description":"There's no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here's how to choose the best rewards credit card:","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html","og_locale":"en_US","og_type":"article","og_title":"How Do I Choose the Best Rewards Credit Card?","og_description":"There's no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here's how to choose the best rewards credit card:","og_url":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html","og_site_name":"Len Penzo dot Com","article_publisher":"http:\/\/www.facebook.com\/LenPenzo","article_published_time":"2025-09-18T11:15:46+00:00","og_image":[{"width":640,"height":411,"url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg","type":"image\/jpeg"}],"author":"Len Penzo","twitter_card":"summary_large_image","twitter_creator":"@LenPenzo","twitter_site":"@LenPenzo","twitter_misc":{"Written by":"Len Penzo","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#article","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html"},"author":{"name":"Len Penzo","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/3968bb46693d14b2ae2ab4958aa41dfd"},"headline":"How Do I Choose the Best Rewards Credit Card?","datePublished":"2025-09-18T11:15:46+00:00","mainEntityOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html"},"wordCount":229,"commentCount":2,"publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg","articleSection":["Credit Card Basics"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html","url":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html","name":"How Do I Choose the Best Rewards Credit Card?","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg","datePublished":"2025-09-18T11:15:46+00:00","description":"There's no magic to picking the right reward cards \u2013 it comes down to just a few key steps. Here's how to choose the best rewards credit card:","breadcrumb":{"@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#primaryimage","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg","width":640,"height":411},{"@type":"BreadcrumbList","@id":"https:\/\/lenpenzo.com\/blog\/id32250-how-do-i-choose-the-best-rewards-credit-card-2.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lenpenzo.com\/blog"},{"@type":"ListItem","position":2,"name":"How Do I Choose the Best Rewards Credit Card?"}]},{"@type":"WebSite","@id":"https:\/\/lenpenzo.com\/blog\/#website","url":"https:\/\/lenpenzo.com\/blog\/","name":"Len Penzo dot Com","description":"The offbeat personal finance blog for responsible people.","publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lenpenzo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lenpenzo.com\/blog\/#organization","name":"Len Penzo dot Com","url":"https:\/\/lenpenzo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","width":359,"height":360,"caption":"Len Penzo dot Com"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/LenPenzo","https:\/\/x.com\/LenPenzo"]},{"@type":"Person","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/3968bb46693d14b2ae2ab4958aa41dfd","name":"Len Penzo","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","url":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","caption":"Len Penzo"}}]}},"_links":{"self":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32250","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/comments?post=32250"}],"version-history":[{"count":3,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32250\/revisions"}],"predecessor-version":[{"id":88909,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32250\/revisions\/88909"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media\/31654"}],"wp:attachment":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media?parent=32250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/categories?post=32250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/tags?post=32250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}