Flat rate or bonus categories
A flat-rate card is simple and rewards every eligible purchase. A category card can earn more if its bonus categories match your real spending and the cap is high enough.
Subtract the annual fee and avoid carrying interest. Even an excellent rewards rate loses value when a revolving balance accrues a typical credit-card APR.
How we compare cards
We evaluate ongoing rewards before temporary bonuses, then check annual fees, category caps, redemption rules, foreign transaction fees, and credit profile requirements.