When used in the right way, a credit card can be a powerful tool.

The best credit cards provide you with free stuff, and even cash back.

While we often we think of credit cards as debt traps, the truth is that, used responsibly, credit cards actually provide a number of benefits.  Savvy credit card use can lead to the earning of valuable rewards, as well as cash back.  You can actually make money simply by making purchases that you would normally.

The goal, of course, is to get the best credit card possible.

This includes a credit card with generous rewards, as well as easy redemption.  Many of the best credit cards also come with a signing bonus.  When you sign up, and then spend a certain amount of money within a set period of time, you receive bonuses worth $100, or even $200.
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Do you find yourself traveling often, perhaps for work or pleasure?

A travel rewards credit card is a great way to earn extra perks or get a little back for your trips.  Traveling can be expensive and a travel rewards card can go a long way to earning something back for your spending.

Do you like benefits such as:

• Earning free nights at hotels;
• Earning free flights;
• Not paying foreign transaction fees;
• Earning free car rentals;
• and more?

The cards below offer a variety of these benefits as well as others.

These are the best travel rewards credit cards that I’ve found (if you know of others, please let me know so I can add them!).  Look through each of the cards and see which benefits mean the most to you.

Make sure you are actually going to use the benefits!

If you aren’t taking advantage of what a particular card offers then you are wasting the usefulness of a travel rewards credit card.  Some of these have annual fees, so you need to make sure you are making up for that fee in the card’s use (yes, I’d prefer there were no fees, but these cards will quickly pay for themselves if you are using the benefits).

Finding the best credit card to fit your particular traveling needs is a great way to maximize your credit card and your spending.

Take a look at the list below and find the best travel rewards credit card with benefits to match your travel habits.

Best Travel Rewards Credit Cards

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Americans are in love with credit cards.

Many of us have replaced the cash in our wallets with our cards, charging everything from a cup of coffee to large purchases like automobiles.

Although credit cards are convenient, they aren’t right for all purchases even if you can get rewards points or cash back.

In what cases are credit cards a bad idea?  Here are some places NOT to use your credit card: Continue Reading

If you’ve ever owned a credit card, and most people have at one point or another in their lives, they can be both a blessing and a curse.

If you are like me, you can probably recall that awful sinking feeling in the pit of your stomach when you receive your statement in the mail.  You frantically try to remember all of the purchases you made in the last month, and at the same time you scramble to remember if you made a payment and how much you put down towards the outstanding balance.

Oops, you didn’t.

Or how about that time you did some cleaning and found the credit card bill you swore you paid, but clearly you didn’t because, well, it’s sitting right there in you hand?

I’ve been there!

Missing payments on your credit card is a quick way to rack up late fee charges, hike up your interest rate, and possibly send your credit score into the dump.

I’m not even talking about whether you can afford what’s on your card or not.  That’s a whole other issue.  I’m talking about missing the due date on your credit card payments.
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