 TITLE: What to Consider When Choosing a New Credit Card CONTENT: 5\\. Rewards\n-----------\nRewards credit cards can offer you cash back, points or miles on every eligible purchase. Generally, a rewards card will use one of three earnings styles:\n*   Flat-rate rewards cards give you the same rewards on every purchase that can earn rewards.\n*   Tiered-rate rewards cards earn bonus rewards on select purchase categories.\n*   Rotating rewards cards have rotating bonus categories.\nIn addition to the earnings style, consider the type of rewards you want to earn.\n*   Cash back may be the easiest to use as you can often redeem the rewards for statement credits or a check, or transfer them to an eligible bank account.\n*   Cards that earn rewards points can be very flexible and potentially offer more value.\n*   Co-branded cards that give you airline miles, hotel points or points in other loyalty programs can sometimes be the best fit if you're already a fan of the brand.\nHaving a strategy for earning and redeeming miles is a fun and fruitful hobby for some. Others prefer the simplicity of cash back. END