Reward Credit Cards

Rewards Category	Factors To Consider
Airline, Hotel	Rewards brand loyalty Their annual fee
Business	How much rewards you get for business-related expenses
Retail	Higher rewards for brand loyalty
Cash Back	Can avoid annual fee Quarterly categories
General Purpose Travel	How often you travel? Lower rewards
Luxury	Higher annual fees Luxury benefits
Gas	Might accept fair credit Higher rewards for gas

You can get reward credit cards depending on the following factors:

• Do you’ve good credit score? If you want to avail reward credit cards, you must have a good credit score. According to FICO score, you must’ve at minimum 670 points for good credit and 740 points for excellent credit. Learn how to improve your credit score if it’s bad.
• How do you spend? If you spend on a variety of items, a general credit card is perfect for you. However, if you use your card for restaurants, hotel stays, travel, flights, and more, a reward credit card is best for you.
• Do you pay your bills on time? If you don’t pay your bills on time, there is no chance of getting approval for reward credit card. This is because when you pay late, you can incur fines, lose the account and even harm your credit score.
• Do you overextend? If you have a tendency to spend more than you have money for, then a rewards credit card may not be a good choice, because you run the risk of incurring interest charges, which would counterbalance the rewards you’ve earned.