 TITLE: What Is a Rewards Credit Card? CONTENT: Find the Card That's Right for You\n----------------------------------\nThe best approach to choosing a rewards card is to try to find one that gives the best value based on your normal spending habits. Look for a card that rewards what you already do, as opposed to one that'll make you increase your spending amounts or frequency in pursuit of points.\nChances are good some of the rewards offers you're receiving already align with this approach: retailers where you shop often, hotels you frequent, and travel services you use regularly are likely already sending offers your way. You can look for additional offerings in the Experian CreditMatch where you can be matched for free with cards based on your credit profile and spending habits.\nOnce you've narrowed the field to a short list, read the cardholder agreements that come with the cards. Use them to familiarize yourself with the specifics of its rewards program. Don't forget to compare credit card fees and annual percentage rates (APRs) as well. Rewards are great, but a lower interest rate can mean big savings as well over the life of a card. END