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Rewards & Points, in plain language
Cash back, points, miles and whether an annual fee pays off.
What to know
- Flat cash-back cards earn the same rate on most spend
- Category cards earn more in specific areas
- Points and miles can be worth more via travel redemptions
- Sign-up bonuses reward hitting a spend target
Watch out: An annual fee only pays off if the rewards and perks you'll actually use exceed it.
Key terms
Cash backRewards paid as a statement credit or cash.
Sign-up bonusA reward for spending a set amount early on.
RedemptionHow you cash in points — value can vary widely.
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