We can maximize our shopping experiences by choosing the best Credit Card Rewards Programs which suits our spending habits. Credit Cards with rewards points help us in having extra cash during month end, saving points for future trips or collecting airline miles. There are few rewards programs which could help you find the best reward program suited to you.

• Credit Cards with Cashback – The credit card issuers offer standard rates of 2% for gas and grocery purchases with additional bonuses like shopping on e-commerce websites, movie theaters, and wholesale stores.
• Credit Cards with Flat Cashback – The credit card offers flat cashback rates usually at 1% or 2% on all purchases. These cards don’t have many bonuses.
• Travel Credit Cards – The credit card reward programs are suitable for people who are frequent travelers. They would collect miles, which can give them free tickets. In addition, there are additional benefits like lounge access and zero checks in baggage fees.
• Gas Credit Cards – The credit card rewards programs in best suited for people who frequently purchase gas/diesel. There are rebates/discounts on fuel purchases as well as cash back and bonuses.
• Co-branded Cards – In co-branded cards is especially for people with the preferred airline, hotel chain or gas station. The loyalty will help in having better reward programs.

The companies which offer the best credit card rewards programs are:

• The Starwood Preferred Guest Credit Card from AmEx
• Chase Marriott Rewards Premier Credit Card.
• Citi Double Cash Card.
• Chase Sapphire Preferred Credit Card.
• Chase Southwest Rapid Rewards Premier Card.
• Barclaycard Arrival Plus World Elite Mastercard.
• Chase Freedom Credit Card.

It must be noted that rebate cards tend to higher APR while cashback cards tend to have annual fees. It is best to compare the rewards with APR and annual fees to find the right balance in choosing the best credit card with reward points.