Determining which card is best for you will depend on your own individual circumstances. For instance, reward program cards sound fantastic, since you actually get paid to use them.
They are indeed a great deal -- if and only if you pay your balance off in full each month. Reward cards charge higher interest rates. If you carry a balance on a reward card, then most likely you are paying a much higher interest rate than if you switched your balance to 0% balance transfer credit cards.
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