Rewards & points cards · Prototype hub
Rewards & points cards
that actually earn something useful.
This sub-hub on Choose.Creditcard looks at cards that give you something back on every purchase: points, miles or cashback. The focus is on earn rates, caps and redemption value – not hype. Everything here is a prototype and educational only.
When this type of card makes sense
- You pay most of your spending by card and clear the balance in full every month.
- You have a few clear goals: flights, hotel nights, statement credits or cashback.
- You are willing to learn the basics of points, categories and redemption rules.
- You value transparent earn structures over vague “up to X points” marketing.
This page does not recommend any real products yet. Card names, earn rates and perks below are placeholders. Always check the issuer’s own documentation before applying.
Typical rewards profiles (prototype)
In a later phase, these profiles will link to country-specific card picks that fit each pattern. For now they simply illustrate how this hub might be structured.
Rewards & points resources in The CreditCard Collection
These links go to other microsites in The CreditCard Collection. They cover how rewards work, how to think about points vs. cashback, and how to compare offers. All are independent, prototype educational pages – not issuer marketing.
Rewards.Creditcard
Conceptual deep-dive into how rewards programs work, including earn structures, caps and devaluations.
External microsite · opens in a new tab
Travels.Creditcard
Shows how travel-focused rewards tie into trips: using points for flights, hotels and upgrades instead of random gift cards.
External microsite · travel use-cases.
CryptoCards.Creditcard
Prototype overview of cards that reward in crypto instead of traditional points. Not an endorsement of any product or asset class.
External microsite · educational only
CompareCC.Creditcard
Comparison format prototype used across the network. This rewards hub will eventually plug into similar tables, but with real earn-rate data.
Structural reference · not a best-card list.
Example: Points vs. cashback guide
Placeholder for a future Choose.Creditcard guide that explains when flexible points, airline miles or raw cashback usually make the most sense.
To be replaced with a real, documented article.
Example: Rewards card table (US/EU)
Reserved for a future, country-specific rewards card comparison table, once issuer data and compliance are in place.
Prototype / educational placeholder only.
Rewards & points card comparison (prototype)
This table only illustrates how rewards-focused cards could be compared on Choose.Creditcard. The products, earn rates and benefits are not real offers. Replace everything below with country-specific, documented issuer data later.
| Card | Base earn rate | Bonus categories | Caps & limits | Redemption options | Annual fee | Status |
|---|---|---|---|---|---|---|
|
Example Rewards Card A
Everyday points + travel booster
|
1 point per base currency unit on all spend | 3x travel, 2x dining & groceries | Bonus up to €20,000 / year, then 1x | Flights, hotels, statement credit, gift cards | €120 / year | Prototype only |
|
Example Cashback Card B
Simple flat cashback
|
1.5% cashback on all purchases | No special categories | No caps, but terms apply | Automatic statement credits monthly | €0 / year | Prototype only |
|
Example Airline Card C
Partner airline miles focus
|
1 mile per base currency unit on general spend | 4x on direct airline spend, 2x on travel agencies | Bonus miles up to €15,000 / year, then 1x | Award flights, upgrades, partner transfers | €200 / year | Prototype only |
|
Example Flexible Points Card D
Bank points with transfer partners
|
1 point per base currency unit on all spend | 3x online, 2x dining & travel | Category bonuses up to €25,000 / year | Transfer to airlines/hotels, gift cards, cash | €250 / year | Prototype only |
How this rewards hub fits into Choose.Creditcard
1. Themed sub-hub
This page is a Rewards & Points sub-hub under Choose.Creditcard. It narrows the comparison to earn structures and redemption, while the main /index page keeps a broader overview.
2. Shared scoring model
When real cards are added, they will be scored using the same documentation-based model as the main hub: earn rates, caps, volatility risk (devaluations) and real-world redemption value.
3. Clear separation from issuers
No bank or issuer has paid to appear here. Future affiliate links, if any, will be clearly labeled and will not change how cards are scored or ordered.