TV spokespeople are quick to tell you why the credit card they’re shilling is better than the rest.
Double points! No blackout dates! No annual fee!
They make it seem so easy to rack up points and trade them in for free flights and top-shelf resort stays.
But there’s no such thing as a free lunch — even if you’re earning points on it.
That’s not to say there aren’t benefits to using reward credit cards. You can earn free travel and other perks — but you have to be strategic to make them work for you.
What Are Credit Card Rewards?
Credit card rewards are perks that credit card companies offer on some cards as an incentive for cardholders to use the card. The rewards can come in the form of travel miles, points, or cash back.
Cash back is pretty straightforward — it’s a direct cash reward.
