A rewards banking or credit card is designed to give you extra value every time you spend: you earn points, cashback, or other perks for your everyday purchases — whether you're shopping, dining, traveling or paying bills. These rewards can often be redeemed for travel, vouchers, gifts, or even used to offset card charges. When used wisely (paying your balance on time, avoiding unnecessary fees), a rewards card turns routine spending into opportunities for savings, experiences, and benefits — making your money work a little harder for you.