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Liz Pulliam Weston

The Basics

Credit cards with the happiest users

Continued from page 1

It's not like the difference in satisfaction is small potatoes. Satisfaction with their cards was 117 points higher for those who redeemed rewards than with those who didn't.

Yet too many credit card issuers make it tough to cash in rewards. In fact, these days it's so difficult to get a free airline seat that airline rewards cards really make sense only for elite frequent fliers (who get first shot at all the perks) and those saving for really expensive flights, like an international business-class trip.

But airline cards aren't the only culprits. Issuers of many other rewards cards limit how many points you can earn, set expiration dates for points or change their programs constantly. Just when you get close to your rewards goal, voilà! You run into a cap on the number of points you can earn, or your rewards expire, or the goody you've been shooting for is no longer offered in the rewards menu.

Sound familiar? Well, stop putting up with it. You may think you can't do any better, that all rewards cards will mistreat you the same way, but it's not true. If your credit card rewards program is making you pull your hair out, look around: There's almost certainly something better out there somewhere.

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Liz Pulliam Weston is the Web's most-read personal-finance writer. She is the author of several books, most recently "Your Credit Score: Your Money & What's at Stake." Weston's award-winning columns appear every Monday and Thursday, exclusively on MSN Money. She also answers reader questions on the Your Money message board and helps middle-class families cope at Building a Brighter Future.

Updated March 19, 2009

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