4. Financial Rewards

Winner: Fidelity Investments 529 College Rewards Card (College Savings)
Runners-up: Fidelity Investment Rewards Card; One from American Express

If you're a better spender than saver, find a card that will help you save when you spend. The Fidelity Investments 529 College Rewards Card has the most generous rebate rate -- one and a half percent of all purchases will be deposited into a 529 Plan (you must invest a Fidelity-managed 529 Plan; for specific state plans and credit-card details, see our table). The popular Upromise card by Citibank, on the other hand, will give you a one percent rebate on all purchases and two percent for purchases at Exxon and Mobil gas stations. Rebates will be deposited in a Vanguard-managed 529 Plan (for eligible state plans and credit card details, see our table.) For more on 529 Plans, click here.

For general investments, consider the Fidelity Investment Rewards Card, which allows you to convert World Points (MBNA's rewards program, now owned by Bank of America) into investment dollars at a generous one and a half percent rate. Finally, if you're in need of pure cash, take a look at the One Card from American Express: one percent of your purchases are contributed to a high-yield savings account, which currently earns five percent. The drawback: The annual $35 fee, though waived for the first year, will cut into your savings.

Click here for a table of card details.

Credit Card	Annual Fee	APR	Bonus Features
Fidelity Investments 529 College Rewards Card	None	16.9%	· Earn 1.5% back on all purchases, to be deposited in a Fidelity-managed 529 Plan · Eligible state 529 Plans: Arizona, California, Delaware, Massachusetts, New Hampshire's UNIQUE College Investing Plan, available nationwide.
Fidelity Investment Rewards Card	None	13.9%	· Introductory 0% APR on balance transfers and cash advances through your first twelve billing periods · Earn points that can be redeemed as investment dollars that are deposited in a Fidelity account, such as an IRA or taxable account (convert 5,000 points into a $75 deposit).
Citi Upromise Card	None	14.24% variable	· Introductory 0% APR on balance transfers for the first twelve months; · Get a 2% rebate on purchases at Exxon and Mobil gas stations, 1% everywhere else; · An additional 10% rebate on over 7,000 grocery and drug-store items; · Rebates are deposited in a Vanguard-managed 529 Plan in one of six states: New York, Missouri, Iowa, Colorado, Arkansas, North Carolina, North Dakota, Pennsylvania and Nevada.
One from American Express	$35, waived for the first year.	14.24%, 15.24% or 16.24% variable, depending on credit history.	· Earn 1% cash-back on all purchases, to be deposited in an American Express high-yield savings account currently earning 5%; · Get a $50 bonus after your first purchase; · $35 annual fee waived for the first year.

Sources: Fidelity.com, CitiCards.com, AmericanExpress.com. Data as of 08/23/2007.