When comparing rewards credit cards, look at the reward rate, eligible spending, redemption options and any annual fee, rather than focusing only on introductory offers. Check the representative APR and aim to repay the balance in full each month, because interest can outweigh the value of rewards if you carry debt. Consider whether the points, cashback or travel benefits match your usual spending, and check expiry rules, minimum redemption limits and provider acceptance. Read the full terms from the issuer and check eligibility before applying, as applications may affect your credit record.