Other factors to consider
Annual charges. Annual fees can frequently run into the hundreds of dollars, so make sure you’re earning enough points from your card to cover them.
Fees for foreign transactions and card acceptance Some reward cards may levy fees for purchases made outside of the United States. Furthermore, depending on the payment network of your credit card, you may find limited card acceptance outside the United States. Consider these potential disadvantages when making your decision.
Cardholder benefits Some cards, like the Chase Sapphire Reserve®, have unique benefits, such as access to airport lounges or special events, which may help sweeten the bargain for you.
A rewards credit card might help you earn perks by conducting your routine shopping if you’re in good financial standing and have an above-average credit score. Pay off your bills to save interest, and choose the correct type of rewards card for your lifestyle.