How do you choose the right grocery credit card?

Deciding which grocery credit card is right for you will depend largely on your shopping habits. Make sure any spending caps on grocery rewards exceed your budget so you can maximize your rewards, and verify that where you shop for groceries is included in the credit card issuer's definition. Keep in mind that most major credit card companies do not consider wholesale clubs and big-box stores like Walmart and Target to be grocery stores, so your purchases there might not qualify for the same rewards.

How do you choose the right credit card for restaurants?

Choosing the right restaurant credit card starts with knowing your budget. Figure out how much you spend on dining out and delivery. Multiply your annual restaurant budget to a card's restaurant rewards rates to find out how much you can earn over the course of a year, and subtract the annual fee to see if it would be worth it. Be mindful of any spending caps imposed on restaurant rewards rates. You'll also want to consider if there are any credits or other perks that you'll be able to take advantage of.

How do you choose the best travel credit card?

The points and travel benefits that you accrue through a travel rewards program are often redeemed through your credit card issuer's website (or app) or appear as a statement credit that reimburses you for past travel-related and everyday purchases you made with your travel credit card. Points or miles can also be transferred to travel partners -- mostly hotels and airlines -- at a fluctuating conversion rate, where they can then be used to book a flight or hotel room. To choose the best travel credit card, there are a few key factors to consider: Annual fees: Every single travel rewards program reviewed here has annual fees, with some climbing as high as $695, but those fees are usually mitigated by monthly or annual credits. Exclusive perks: Some of these travel rewards card options also grant access to exclusive travel perks, like airline lounges, priority boarding or VIP welcomes at hotels. The value of those perks is subjective and something you'll have to evaluate based on your needs and wants. Foreign transaction fees: None of the best travel cards makes users pay a foreign transaction fee, so a foreign transaction fee is not something you have to worry about with any of the credit cards recommended here.