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There are many, many different credit cards out there. But are they all created equal? Certainly not! Some cards come with unique reward bonus such as cash back, free hotel stay, or points redeemable for merchandise or gift cards. How do you decide which credit card to apply? Well, it depends on your what you are spending patterns. In general, each credit card is specialized in certain reward categories: Airline Rewards, Cash Rewards, Gas Rewards, Hotel Rewards, Merchandise/Gift Card Rewards.

Hilton HHonors® Platinum Credit Card from American Express

Earn 10,000 HHonors bonus points after your very first purchase on the Card – enough for a free night Earn 15,000 bonus points after you spend $5,000 in 5 months– that’s in addition to the 15,000 points you would earn for your Card spending Earn 10,000 HHonors bonus points over the course of your first four stays at any participating Hilton Family hotels (2,500 HHonors bonus points each stay) Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments and more Get 3 Hilton HHonors bonus points for each eligible dollar you spend everywhere else No annual fee Express Approval. Get a decision in less than 60 seconds. Apply Now!

American Express Hilton HHonors Platinum card is a must have if you stay at Hilton-family hotels regularly. However, if you don’t, this card offers 5 Hilton HHonors bonus points for each dollar spent on supermarkets, drugstores, gas stations, restaurants, US Post Office, cell phone payments and 3 Hilton HHonors bonus points for each eligible dollar spent everywhere else. At the minimum, I use this card to pay for my monthly cell phone bills and occasional trips to Post Office. The annual bonus points earned are enough for a weekend getaway. Added Bonus: If you spent over $20,000 in one year, you are qualified for the upgrade to Hilton HHonors Gold VIP status. HHonors Gold VIP members enjoy free upgrade to Executive Floor (if available) OR Executive Floor Lounge access. The Executive Floor Lounge is filled with food and beverage amenities during breakfast and pre-dinner hours.

Blue Cash® from American Express

“Best Cash-Rebate Card” by Kiplinger’s Personal Finance* Up to 5% Cash Back with Unlimited Cash Rewards Earn unlimited cash back 0% Intro APR for 6 months on purchases Low Balance Transfer rate – 4.99% fixed APR for the life of the balance No Annual Fee Express Approval. Get a decision in less than 60 seconds. Apply Now!

If you spend over $6,500 in a year, this card is your best choice. Once you reached $6,500 in total spending, you will earn 5% on everyday items like groceries and gasoline. TIP: Little known secret is that you can buy US Savings Bonds using credit card at www.savingsbonds.gov. This will help yohu clear the first $6,500 quickly.

Chase Free Cash RewardsSM Visa® Card

1 point for every eligible dollar in purchases 1,000 Bonus Points after your first purchase Intro 0% Fixed APR for up to 12 months* No Annual Fee Get your rewards with as few as 2,500 points Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned Apply Now!

This bonus scheme for this card is very straight forward. You get one bonus point for each dollar spent on all purchases. For every 2,500 points you accrue, you can redeem for $25 check or gift card from various merchants and retailers.

Discover® Open Road(SM) Card

0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners Apply Now!

You get 5% cash back on gas and car repair services for the first $1,200. I use this card exclusively for my filling up gas and other auto-related spendings. TIP: You can get 6.25% to 10% back if you redeem bonus points for gift cards to retailers such as Gap, Borders, Sharper Image, or Cruises.