 TITLE: What Is a Rewards Credit Card? CONTENT: Questions To Ask Before Getting a Rewards Credit Card\n-----------------------------------------------------\nHere are the questions you should ask yourself to pick the right rewards card for you:\n### 1\\. What Types of Rewards Are Offered?\nThe most important question you'll want to ask when it comes to rewards cards is whether you want to get cash back in the form of statement credits or money deposited back into your bank account—or whether you want to earn rewards in the form of travel credits that will help you qualify for free or discounted flights or hotels.\n### 2\\. How Can You Maximize Your Rewards?\nNext, you'll want to consider how you spend your money so that you can maximize your rewards earning. Do most of your credit card spendings come from groceries and gas? If so, you'll want to look for a card that offers a higher percentage back on those purchases. Or, if you are a jet-setter, there are some cards that offer three times as many points on travel and dining purchases. If you don't want to think about how you spend your money, you might be better off with a card that offers a flat cash back rate.\n### 3\\. What Sign up Bonuses Can You Take Advantage Of?\nMany rewards cards offer sign-up bonuses. Find out what the bonus is, and how much you need to spend to qualify for it. Many cards will fulfill your bonus once you've spent a certain amount of money during the first few months of owning the card—the lower the minimum spend, the better.\n### 4\\. If and When Do Rewards Expire?\nAsk whether your rewards will expire or if they are usable as long as the account is open. You'll also want to check out if any blackout dates exist for any travel rewards.\n### 5\\. Is There an Annual Fee? If so, What Is It?\nYou'll want to consider how much you need to spend each year in order to make that fee back with rewards you will earn. END