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No. of Recommendations: 1
The difficulty with selecting the best rewards card is that the offers keep changing. What's best today, might not be the best deal 3 months from now. The card you sign up for today might change terms on you next year. If you're willing to do the work to stay on top of the changes, you can certainly keep migrating to different cards as you find more attractive deals; but if you want to do the research once and then just use the cards, you also need to look for cards with stable terms.

Right now, my stable terms cards are a Fidelity Visa (2% cash back, auto-paid into my brokerage account whenever $50 accumulates) and a Sam's Club MasterCard (5% on gas, 3% on "travel," 1% on everything else, paid in folding green cash at the store in March following the year it's earned.) I forget the formal definition of travel for the Sam's card, but it includes hotels and restaurants (even fast food) but does not include putting money onto my E-Z Pass.

Every once in a while Discover gives me a limited time deal that beats my stable cards temporarily. Right now, that's double rewards at the end of a year, which comes out better when applied to my Discover base of 2% at restaurants and pretty much isn't worth the time on anything else.

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