Affinity Pure Rewards® Visa

The Affinity Pure Rewards Visa is worth a look if you know you'll spend regularly in the card's 6x rewards category and you want to do that without paying an annual fee. At a point value of about 1 cent each, that top category can translate into strong return for very specific spending, while the low-cost structure keeps the card easy to hold long term.

For most readers, though, this is not the only card they should carry. Outside of the bonus category, the card drops to 1x points everywhere else, and there are no listed travel perks, credits, or protections helping to broaden its value. If your spending is spread across several categories, or you want richer card benefits along with your rewards, you'll likely get more from a different everyday card.