1.5% back outside of bonus categories and flexible redemption options, and you have a winner. The card's rewards structure isn't the easiest to remember. But its useful bonus categories ...

You get bonus rewards of 3% cash back at U.S. supermarkets ... parts of your budget and you refuse to pay an annual fee, this card is a fine choice.

Do you love the prices and the trendy styles of H&M but are not sure if they are for you? Stores like H&M can be a bit ...