To really know the truth about credit cards, you should possess two qualities: Math, and attention span (they keep coming up with new offers, modifying offers!)

Why credit card travel reward programs? 

Credit card travel reward programs bring perks and extra travel credits to heavy spenders and regular travelers.

Credit card travel reward programs help banks and credit card compnaies make huge profits from fees and charges, among other things, because most people won’t take advantage of every reward, benefit, and perk these types of cards offer.

So, there you go.

The best travel rewards credit card for serious travelers or high spenders: Chase Sapphire Reserve (3 points per dollar on travel and dining, $300 annual travel credit,  can break even spending just $280/month, nhigh annual fee. 2% return on spending $2,000/month, airport lounge access, can transfer points to hotel and airline loyalty programs.)

The best affordable travel rewards credit card: CapitalOne Venture ( 1.5 percent in travel rewards spending $1,000/month,  break even on spending just $246/month on any type of expenses, earn 2 points per dollar, redeem 100 points per dollar against any travel charge, low annual fee of $59.)