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With credit orbitz airline tickets card offers coming nearly daily in the mail and a bombardment of TV commercials and online ads touting the mega-rewards orbitz airline tickets of this card or that card, it's enough to make your head spin.  How can you figure out what the best reward card is for you ?
Best to get familiar with your budget, experts say, which means understanding how much you regularly spend in different categories such as your monthly grocery bill, travel, and gas. Utilize your online banking options for this or even outside tools like Mint.com , which can help keep track of your weekly or monthly orbitz airline tickets expenditures. Then try NextAdvisor s  cash-back calculator , which gives you a better picture of how much any given rewards card will pay out and more importantly, can help you determine if your expected rewards will more than cover the card's orbitz airline tickets annual fee.
So whether you already earn rewards with a credit card, are in the market for one, or perhaps the thought of choosing one is simply orbitz airline tickets exhausting here s a review of some of the best rewards orbitz airline tickets cards out there and the types of spending habits they d be best suited for:
Capital One Cash is one favorite among experts orbitz airline tickets for the reason that it s easy to understand, and it comes with minimal fees. You get 1% cash back on every purchase along with a 50% bonus at the end of the year (effectively a 1.5 percent cash back on every dollar you spend) with no annual orbitz airline tickets fee, and you pay zero interest in the first year.  After that 12-month period, you ll pay between 12.9 percent and 20.9 percent for any balances.
The Blue Cash Preferred from American Express   is another front-runner, as this card offers orbitz airline tickets the best rewards on the market for everyday purchases including 6 percent cash back at supermarkets; 3 percent at gas stations orbitz airline tickets and 1 percent everywhere else. This card charges an annual fee of $75, but it promises a $150 bonus for new cardholders (which essentially pays the annual fee for the first two years).
PenFed Platinum Rewards   provides the absolute best gas rewards, with 5 points per dollar spent on gasoline at any station. There's no annual fee, and there's a $250 sign-up bonus of $250. The catch: you have to join the Pentagon Federal Credit Union, which costs a one-time fee of $15.
Chase Sapphire Preferred is noteworthy for its generous bonus for cardholders who charge orbitz airline tickets at least $3,000 during the first three months. The reward is 40,000 bonus points, which are worth $500 in travel accommodations, or $400 in cash.  Not bad!  This card is also good for travelers as these points can be transferred to any airline s frequent flier program.  Plus, you get two points orbitz airline tickets for each dollar spent on travel and dining, with a once-a-year, 7 percent dividend bonus. The catch:  there's an annual fee of $95, but it s waived for the first year.
Costco s True Earnings card from American Express   is a great option for Costco shoppers.  It s the only credit card you can use when shopping at Costco and there's no fee for members. It gives you an annual reward check that amounts to 3 percent of your spending on gas and restaurants, 2 percent on travel, and 1 percent at Costco (and everywhere else).
orbitz airline tickets Capital One's Venture   and  Venture One   are great choices for those who like to travel, but don't want to be locked in to one particular airline or hotel chain. The Venture card charges a $59 annual fee, but provides two points per dollar spent anywhere. Similarly, the Venture One card provides 1.25 points per dollar, without the annual fee (otherwise the cards are identical). While these are called points, each point is worth a penny and to claim travel rewards, the charge will simply be subtracted from your bill.  Which one is right for you?  Consider whether you ll spend at least $10,000 a year on the card (this much usage will earn you $200 in rewards on Venture, vs. $125 with Venture One ) .  If yes, the more generous reward card will more than make up for the annual fee otherwise, go for the no-fee card.
If your relationship to jet-setting is less casual and more of a way of life a la Ryan Bingham from "Up in the Air" then you re the perfect candidate for a travel-specific rewards card. Many charge an annual fee, but frequent travelers swear they re worth the cost.  Not only can you earn extra miles for pleasure trips on your most frequently-used airlines, rewards cards can provide first-class upgrades and other perks, which can be even more valuable than earning airfare.
Case in point: Delta s American Express Reserve   credit card.  Though expensive a whopping $450 annually benefits like a free checked bag on each flight (a savings of $50 per roundtrip), one free first-class companion ticket every year, and access to Delta's airport lounges (regularly-priced at $450, so the annual fee pays for itself with this one perk alone) are enough to win over frequent travelers. If you re interested in a charge card where you pay your balance down every month instead of carrying a balance than the American Express Platinum Card , priced orbitz airline tickets similarly, has even more perks including a 24/7 travel concierge, Priority Pass access to over 600 VIP airport lounges around the world, and upgrades orbitz airline tickets at partner hotels.  To compare the two cards, see this article on NerdWallet.com.
However, orbitz airline tickets if you fly primarily on a specific airline like  American ,   United  or  Southwest , or only ever stay in hotel chains like the Starwood  or  Hilton   – all offer their own attractive reward cards that will rival the perks offered by Delta and American Express.  Each are very competitive and company-specific, so check out individual vendors for details.
Experts orbitz airline tickets seem to agree that for those who will be carrying a balance, and/or orbitz airline tickets want to transferr their current balance, the  Chase Slate card  is one of the best options as it offers free balance transfers, while most other credit card companies charge 3% to 5%.  You also get zero percent orbitz airline tickets interest on transferred balances for 15 months.
Credit card options for the young and credit-challenged are far less appealing than for those with excellent credit. orbitz airline tickets But your best bet are the  BankAmericard for Students  which offers orbitz airline tickets no annual fee and 0% APR for the first 15 months or the  Journey Student Rewards from Capital orbitz airline tickets One , which pays 1.25% cash back on every purchase, as long as you pay your bill on time. This is one of the few cards great for students studying abroad, as it doesn t charge foreign transaction fees.
If your credit isn t great, try the  Capital One Platium MasterCard , which has a high APR (24.9%) but a  low, annual fee ($19) which makes it a good option for those with average to so-so credit, as long as you re able to pay the balance orbitz airline tickets each month.  Of course, if you have truly terrible credit, the only way to go is a secured card.  Try the   Capital One Secured MasterCard   the annual fee is relatively low ($29) and the security deposit is modest.
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