If you want to earn rewards on your spending, there are different kinds of rewards credit cards available depending on what you want. Some cards offer air miles or points that can go towards lowering the cost of your air travel. Other cards offer points that you can collect to earn discounts at the stores you like to shop from. With cashback cards you'll earn cash that your provider may give you directly, either on a monthly or annual basis. Be aware that rewards cards charge high interest rates and often come with annual fees. So they only make financial sense if you typically pay off your full balance every month, and you earn more in rewards than you pay for the annual fee of the card.