Miles by Discover, American Express Green Card Among Hobson's Top Picks for Rewards Cards

The holders of this particular Capital One card also earn one mile for each dollar of up to the first $1,000 spent each month, and earn two miles for every dollar spent beyond the first $1,000 a month.

Both this card and the Discover card may be used to donate to charity.

Hobson's Pick for Cash-Back Card

Discover More card.

Hobson calls it one of the best cash-back cards. It has no annual fee and the APR starts at 11.99 percent. Consumers who spend more than $3,000 in a year will earn 1 percent of that back, but could earn 5 percent back if they spend money for certain types of purchases, such as for travel, restaurants and home.

Consumers may also donate their cash reward to a select number of charities.

Hobson Pick for Retail Points Card

Chase Sapphire Card.

The card has no annual fee and the variable APR starts at 12.24 percent.

There are numerous options for consumer rewards. Shoppers will earn one point for every dollar spent, plus 10,000 bonus points after the first purchase. Consumers may earn unlimited points that do not expire.

There is a rewards mall where cardholders may spend their points, and points may also be used as credit -- money back -- against purchases.

Redemption of points is easy, and the card may be used to make charitable donations, Hobson also noted.

Hobson's Pick for Retail Rewards Card

Costco TrueEarnings Card, from Costco and American Express.

The card is free for Costco members.

Cardholders get 3 percent cash back for annual gasoline purchases up to $3,000, and 1 percent back for purchases beyond that. They're also offered 3 percent cash back for purchases at restaurants, 2 percent cash back for travel spending and 1 percent cash back for purchases made everywhere else -- including at Costco, Hobson said.

Using the card extends the warranties on some products, but the downside, Hobson said, is the APR, which is 15.24 percent.

A rebate check is issued every February, and may only be used at Costco, but the value of the rebate may be redeemed in cash at the store, she said.

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