Cash-back cards are one of the most common types of rewards cards, and arguably the easiest ones to use. Travel cards get a lot of attention, but not everyone wants to memorize a dozen different award charts to find the perfect redemption,

Travel credit cards are ideal for frequent travellers seeking exclusive perks, offering rewards and cashbacks on various expenses. However, users should be cautious of unplanned spending to avoid financial burdens.

When choosing a credit card, you generally have two options: a cash-back credit card or one with perks for travelers. The good news is that competition in this space is fierce, which means a constant benefits battle.

As long as you pay off your credit card each month, cards with no annual fee essentially let you earn free rewards.

Chasing credit card rewards while carrying card debt makes no sense when you consider the exceptionally high interest rates cards charge when consumers carry a balance. The best way to get ahead with credit card rewards is to always pay your statement balance in full each month.

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. There is a wide range of credit cards that everyday people (not just card churners) can take advantage of to get a bit of return on every purchase they make.