The right credit card can save you hundreds of dollars a year through rewards and benefits. The key is to match the card's strengths to your spending habits.

Types of Credit Card Rewards

Cash Back: The simplest option, offering a percentage of your spending back as cash.
Travel Rewards: Earn points or miles that can be redeemed for flights and hotels. Often comes with perks like lounge access.
Store Cards: Offer discounts and rewards at specific retailers.

Pay Attention to the Fine Print

Always check the annual fee, APR (Annual Percentage Rate), and any foreign transaction fees. If you carry a balance, a low APR is more important than rewards.