How to choose between rewards and non rewards low interest credit cards. 

To reward yourself or not.. Everyone wants rewards, but it's not as simple as it appears. Often, there is an added price to pay.

Low interest rewards credit cards do offer great introductory rates, great rewards, but there may be a catch. The ongoing APR rate is usually a couple of points higher than standard low interest credit cards such as platinum cards.

If you can find yourself the same low interest rates as a standard platinum card, but with the added bonus of rewards, then you're onto a good card.

If not, then your decision needs to be made based on your spending habits. Do you use your card more as a convenience, and then pay what's owing off within the grace period? Or do you use your credit cards similar in nature to a loan, where you make the minimum repayments required each month?

If you pay your credit cards off straight away, the interest rate will be of little consequence to you. Rewards cards can be great in this instance as with some cards you get rewarded each time you use the card to make a purchase. Essentially you'll have minimum outgoings, and you'll be rewarded.

If on the other hand you delay your repayments, low interest rewards credit cards might not be for you. Even though you get a nice little reward each time you use the cards, this may be offset by the higher interest rates and you'll end up paying more that your return on rewards. If you're like this, low interest credit cards of the standard platinum variety will suit you.

In the end, the choice however is yours. By doing a quick bit of research, and comparing your options, you should be able to find the low interest credit cards suitable for your lifestyle.