Summary: <br> If credit card debt has you stressed and frustrated you’re not alone. Some 171 million Americans have more than one credit card and many have some sort of debt on that card. However, there are so many benefits and perks when it comes to credit cards these days that if you figure out how to win at the “credit card game” you can take all the good and throw out all the bad.<br> <a href="http://www.yourmillennialmoney.com/?attachment_id=2338" rel="attachment wp-att-2338"></a><br> Top Rewards Credit Card:<br> I’m a huge fan of the Chase Sapphire Preferred Plus and <a href="https://creditcards.chase.com/a1/sapphire/reserve">Chase Sapphire Reserve</a> cards. Both cards do have an annual fee (the Reserve card with a whopping $450 annual fee) but the rewards on both cards are fabulous. Using the Chase Rewards center you can book flights at a 25% point reduction – which goes a long way.<br> <br> * Three points for every $1 you spend on travel and dining out<br> * One point for every $1 you spend on everything else<br> * $300 annual travel credit<br> * Access to 900 plus airport lounges<br> * Free rental car insurance<br> * $100 credit for TSA PreCheck or Global Entry<br> * Sign up bonus of 50,000 points if you spend $4,000 in 3 months<br> <br> Top Airline Credit Card:<br> If you fly American, one of the best is the <a href="https://secure.fly.aa.com/citi/direct-plat?anchorLocation=DirectURL&title=citi">Citi AAdvantage Select World Elite Mastercard</a>. I’m a personal fan of this card myself. Yes, there is an annual fee, but you save on bags for yourself and 3 friends when you travel each time. That means more money back in your pocket and helps make travel a bit more budget friendly.<br> If you fly other airlines be sure to check out their credit card – when it comes to airline cards – you want to use the card that matches up with your frequent air travel.<br> Top Credit Card For Shopping:<br> Who doesn’t order almost everything on Amazon these days? Soon we’ll be having our burgers and fries from Shake Shack delivered via Amazon (can’t wait for that). Amazon also, of course, has a solid credit card to help you earn cash back on all your shopping. The <a href="https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature/dp/BT00LN946S">Amazon Prime Rewards Visa</a> comes with $0 annual fee (but you must sign up for Amazon Prime at $99 a year –but you get free 2-day shipping in exchange). No biggie again if you’re shopping all the time. You earn:<br> <br> * $70 Amazon gift card for new cardholders<br> * 5% cash back on Amazon.com purchases<br> * 2% cash back on purchases at restaurants, gas stations, and drugstores<br> * 1% cash back on your charges for everywhere else<br> <br> Top Credit Card for Students:<br> The <a href="https://www.capitalone.com/credit-cards/journey-student/">Capital One Journey Student Credit Card</a> earns the top marks in this category that still offers 1% cash back on all purchases and you can get a boost to 1.25% if you simply pay your bills on time – easy. This card has no annual fee but a high APR, so make sure you pay your bill in full each month. Once you make five months of on-time payments Capital One will offer you a higher limit so you can continue to boost your credit score.<br> Top Cash Back Credit Card:<br> Who doesn’t love a little extra cash in their pocket? The <a href="https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-double-cash-credit-card">Citi Double Cash Card</a> has been on the top of the cash back credit card list for a few years now and I understand why. It comes with no annual fee and you can earn points without any restriction – two points for every $1 you spent and paid off. Think of it as a little motivation to pay your bill in full each month.<br> Other Favorites:<br> Best Hotel Card – <a href="https://www.americanexpress."></a>
