It is getting increasingly tough to find a credit card that offers everything that you may need. With hundreds of options to choose from how is a person supposed to know which one to choose? The top 10 credit cards when it comes to travel, savings, and rewards can be found right here. The incentives for getting credit cards with some companies has gone down, but if you have a good credit rating you will still be able to take advantage of all of the best incentives that are available.

Almost every card that you will find has something to do with travel, savings, or rewards programs. If you are unfamiliar with the benefits of each of these types of credit cards then there are a few things that you should know.

• Travel programs will usually give you the best return on the money that you charge on the credit card. These cards will give you access to discounts and upgrades when you are traveling.

• There are a lot of companies that use savings programs with their card. These are programs that help you to put money back to pay for big purchases such as a car, kid's college, or a home by saving a percentage from each purchase that you make.

• The most popular type of program is the cash back program. This program is found frequently among the top 10 rewards credit cards and is the program that most people choose. This program gives you cash back on certain purchases that you make with your credit card. Usually you will get two to five percent back as a thank you.

When it comes to the 10 top credit cards you will find that travel ranks near the top of the list. If you are someone who travels a lot you will appreciate the rewards that using these credit cards have to offer.

The Starwood Preferred Guest Card from American Express is one of the best when it comes to travel credit cards. This card has a $45 annual fee that you will have to pay after the first year, but the benefits of having it available are well worth the annual fee. With this the points that you will get for the money that you spend go further. You will get an excellent exchange rate when you transfer your points with the airline and hotel programs that are available. Other credit cards will purchase airline tickets for you and then take the points out of your account for the price of the ticket. The Starwood will let you convert your points at over 30 different airlines. You will receive 10,000 points upon signing up and being approved for this card plus every time that you convert 20,000 points into frequent flyer points you will receive an additional 5000 points. This means that you will be earning one and a quarter points for every point that you trade for frequent flyer miles.

Escape by Discover is another great card that you will find for travel points. This card offers 2 frequent flyer miles for every dollar that you spend. They will also give you a $100 credit that can be used toward travel purchases that you make when you earn 10,000 miles.

The Capitol One No Hassle Miles is another card that appears at the top of the list of top 10 credit cards. This card is similar to the Starwood in that you will earn one and a quarter miles for every dollar that you spend. You will be able to use your miles on any airline without any restrictions on the seat that you choose, any blackout dates, and best of all the miles you earn never expire. The great thing about this card is that there is no annual fee for using it. There is an option to upgrade to the Capitol One No Hassle Miles Ultra which has a $39 annual fee, but you will receive two miles for every dollar that you spend.

Another card that made the list of top 10 credit cards is the Hilton HHonors Surpass Card from American Express. This is the card that you need if you stay at Hilton hotels when you travel. You will be able to get three times more bonus points when you stay at a Hilton property including all of the other properties owned by Hilton. This means that you will get nine points for every dollar that you spend. You will also get double points for any qualifying purchases that you make at other places.

The savings credit cards that are on the list are very rewarding. One of the best is the Schwab Bank Invest First Visa Card. This card will give you a 2% savings on all of the purchases that you make with it. The 2% that you will be getting back will go into an investment account that you will set up. The amount of rebate cash that you earn is unlimited and there are no annual fees for having this card. Another great benefit about this card is that you can link other cards to the account that you set up. This means that if there are other members in your family who have this card you can all contribute to your child's college savings fund. This is a very rewarding card to have. Other cards that are similar to this one include the Fidelity Investment Rewards from American Express, Fidelity Retirement Rewards from American Express, and Fidelity Investments 529 College Rewards from American Express. These are some of the best cards on the list of top 10 credit cards.

When it comes to rewards credit cards you will find the American Express Blue Cash is the best there is. This card will give you 5% back on all everyday purchases that you make, and 1.5% back when you use it in any other way. The best part about this card is that the amount of cash back that you can earn is unlimited.
There are other cards that have great rewards programs set up such as the Discover More Card, the Chase Freedom Card, and the Discover Open Road Card. These cards all have no annual fee and offer anywhere from 3% to 5% cash back depending on which one you choose.

Ok so we did more than just give you the top 10 credit cards, but now you have some great information to make an informed decision on which card will be a good fit for you. Whether you travel, want to save money, or want to get cash back for all of the purchases you make you will be able to take advantage of all of the benefits that these cards have to offer if you have a good enough credit score. Be sure to evaluate your spending habits to figure out what you spend money on the most and which card will meet your goals when it comes to travel, savings, and rewards.