Glenn Karwoski, who teaches marketing at the University of St. Thomas, spoke with WalletHub about credit card reward offers.
From the article: When choosing a point reward system card, consumers should look at whether they will be paying their balance off every month in which case they may opt for a card with higher interest rates but more generous point allocations. If consumers expect to carry a balance, they may decide to choose a card that has lower interest rates and less generous point awards
