Reward yourself with a top reward card

Highway sign with the words Rewards-Next Exit

You should be getting more than a monthly bill from your credit card.

You should be getting miles or points towards airline tickets, gift cards, concert tickets, electronic gadgets or even cash rebates.

That's why we checked out dozens of cards to find the best reward card for you.

Most charge no annual fees. They often bestow extra miles or points on things you buy the most. They make it quick and easy to redeem those miles or points for things you value most.

Interest rates weren't a big concern because reward cards make the most sense for consumers who pay their balance off each and every month. (If you are carrying a balance, your top priority should be a low interest rate.)

Check out our picks and see which one's right for you:

Capital One No Hassle

Capital One has two of the best cards for earning miles toward airline tickets if your credit is good enough to qualify.

The No Hassle Miles Rewards card charges no annual fee and allows you to earn 1.25 miles for every dollar spent.

Those miles can be redeemed for tickets on any airline There no blackout dates, no limit to the number of miles you can accumulate and your miles don't expire as long as you have your account.

For tickets costing:

You can also trade miles for cash rebates, merchandise and gift cards, or donate them to charity.

The No Hassle Miles Rewards Visa Signature is similar, but allows you to earn 2 miles for every dollar spent. But it charges an annual fee of $39.

If your credit is good but not quite good enough to land a No Hassle card, consider the Chase Travel Plus Platinum Visa® Card. You earn 1 mile for every dollar in purchases and can redeem your miles for flights on more than 250 airlines with no restrictions. You can also use your miles for hotel stays, car rentals, cruises and other travel-related rewards.

This card charges no interest on purchases or balance transfers for up to 12 months and there is no annual fee for the first year. After that it's $29 a year.

Citi Driver's Edge and Discover Gas

If you spend a lot of time behind the wheel we have two suggestions.

Citibank's Driver's Edge Options card has no annual fee and provides a couple of different ways to earn up to $1,000 or rebates a year towards the purchase or lease of a new or used, car or truck.

You can earn 6% of what you spend at gas stations, supermarkets and drugstores, and 1% everywhere else, for the first year you have the card. After the first year you qualify for a 3% rebate on gas, groceries and drugs, and 1% for everything else everywhere else. The only catch is that you can earn no more than $15 a month on gas that's $250 worth of gas at 6% and $500 worth at 3%.

In addition, you can earn $1 for every 100 miles you drive. Details for tracking miles are explained in the online application.

Since you can allow your rebates to accumulate for up to five years, your savings could grow to as much as $5,000 worth. Send Citibank proof that you've bought or leased or car or truck within 90 days of the deal and it will send you a check for amount of the rebates you've earned.

If you'd rather, you can apply those rebates towards any repairs or maintenance you pay with your Citibank card or any merchandise or services available through Citi's "Thank You Network."

The Discover Gas Card offers 5% cash back on your first $1,200 in annual purchases at gas stations and stores that specialize in automotive parts and services, such as auto dealerships, auto repair shops, tire stores and car washes.

You earn a 0.25% rebate on the first $1,500 worth of other purchases, 0.50% on the second $1,500 and 1% after you've spent $3,000. Once you reach the $1,200 annual limit on fuel, further car-related purchases earn at this rate, as well. You can double those rebates if you are willing to forgo cash and accept gift cards or certificates from 60 partners, including Kohl's department stores and Bennigan's restaurants.

American Express SimplyCash Business Card

Here's a way for small business owners to earn cash rebates.

The card returns 5% on gas, office supplies and wireless services, and 1% on other purchases. Cash back is credited to your statement every month and there is no limit to the rewards you can accumulate.

There's no annual fee and American Express will provide all the cards you need for employees, so everyone who spends your company's money can generate rebates.

Flexible financing allows you to carry a balance or pay in full. There is an introductory 0% interest rate for the first 12 months.

Citi Dividend Platinum Select Card

This is the card for consumers who don't want gift cards, merchandise or airline tickets. It just sends checks.

Cardholders earn an average of 5% on purchases within the "Citi Dividend Merchant Network", which includes a few stores like Eddie Bauer and Hollywood Video, and Internet and catalog retailers like Plow and Hearth.

You get 2% back from purchases at supermarkets, drugstores, gas stations, and convenience stores, or by using your card to pay utility and cable bills. The cards pay 1% rebates on all other purchases.

Citibank says you'll need "excellent" credit to qualify, but there's no annual fee and you can watch your "Dividend Dollars" grow on each monthly statement. Anytime you have more than $50, you can request a check up to $300 a year.

Citi Diamond Preferred Rewards Card

If you are looking for a card that is generous with the ways you can earn and spend your points, you can't do much better than this.

There is no annual fee and you only need "good" credit to qualify.

Right away you get a $50 gift card (worth 6,000 points) if you make your first purchase within three months after receiving your card -- or you can save those points and use them for other rewards.

You earn 5 points for every dollar spent at supermarkets, drugstores and gas stations and 1 point for every dollar spent for all your other purchases.

You can redeem your points for travel, a variety of products including electronics, sporting goods and so forth, as well as restaurants, gas, and gift cards and with a wide variety of name-brand merchants. You can check out the rewards at Citi's "Thank You Network."

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