When it comes to shopping and making financial decisions, there are plenty of options for consumers. One of the most popular ways to shop is through points and rewards credit cards. Although these cards are often associated with high interest rates and fees, they can also provide many positive benefits when used correctly.

Points and rewards cards are designed to reward cardholders with points or cash back on their purchases. These points can be redeemed for a variety of items such as airline miles, hotel stays, gift cards, and even cash back to the cardholder. For cardholders who are smart about their spending, points and rewards cards can be a great way to save money and get rewards for purchases they were already going to make.

Points and rewards cards also provide valuable flexibility for cardholders. With many cards, points can be redeemed in a variety of ways, such as a statement credit, or applied to a purchase to reduce the cost. Many cards also offer additional benefits such as a sign-up bonus or travel rewards that can be used to save money on future purchases.

Another benefit of points and rewards cards is that they can help cardholders build their credit. By making regular payments and using their card to make responsible purchases, card