There’s no shortage of rewards credit cards that offer enticing perks worth real money — potentially hundreds of dollars each year.
But if the rewards program is complicated to navigate, it can be tough to get value out of your card. Instead of saving money, you’re left with a pile of points that were hard to earn and even harder to cash in. That’s why the Nerds consider how easy it is to use a rewards program when making our picks for the best credit cards.
There will always be those who relish the challenge of optimizing more complicated cards, especially if it means earning outsize rewards.