From travelers to foodies to sports fans, there are rewards programs geared to help niche groups tally rewards points that they will actually use.
There is a reward out there for just about any passion, hobby or interest that you might have,” said Bill Hardekopf, founder of Lowcards.com, a credit-card information site.
Ask yourself: What do I consider a useful reward? Airline miles? Cash? Game tickets? Clothing discounts?
“If you use a card as a convenience method of payment, it makes sense to consider rewards,” said Ben Woolsey, director of marketing and research at CreditCards.com, a Bankrate.com division.
“If you are borrowing money, you’re probably paying interest rates that could offset the value of the rewards,” he said