Everyone wants to save money or get freebies by using credit cards. Thus a good combination of credit cards is necessary to maximum your rewards. My post “My Favorite Rewards Credit Cards” turned out to be one of hottest articles several weeks ago. Hereby I found an article about rewards credit card from MSN Money. Let’s see what’re best rewards credit cards in experts opinion. (But, believe me, you might disagree with their opinions. At least, I don’t think they’re “real experts”.)

With the right cards, you can earn good rebates or free travel, or add money to a savings account. But which cards get you the most freebies? Here’s a list from the experts. By Liz Pulliam Weston

Yes, it’s wonderful to get free stuff — travel, cash back, money for college — just by using your credit card.

But with so many rewards programs out there, it’s hard not to second-guess your choice. Have you got the best card? Are you using it to its best advantage? Could you get more from a different one? And the fact is that some rewards programs are better—much better—than others.

To sniff out the best ones, I asked five credit card industry experts — Curtis Arnold of CardRatings.com, Bill Hardekopf of LowCards.com, Ron Lieber of FiLife, Justin McHenry of IndexCreditCards.com and Ben Woolsey of CreditCards.com — and frequent-flier guru Randy Petersen of WebFlyer to nominate their favorite plastic in three rewards categories:

• Travel programs. These generally offer the richest returns but only if you get the right card and know how to use it. If you’re an infrequent traveler or not looking for upgrades, a different card might be a better fit.

• Cash Back programs. These are a good, simple choice for many, and the best rebate 1.5% or more of your purchases.

• Savings programs. This category encompasses a variety of cards that help you put aside money in an investment plan, pay down your mortgage or get discounts on major purchases such as cars.

I also asked the experts to reveal which cards they use for their own spending. Interestingly, two of the six were taking advantage of special offers not widely available to the public — as if you needed anything more to fuel your paranoia that you weren’t getting the best deals. More on that here.

I broke the results down into winners, runners-up and worthy alternatives. In each case, the winner and the runner-up are almost interchangeable; either choice will put you in good stead. The alternatives aren’t exactly also-rans, but they typically trail the best in the ease of earning or redeeming rewards.

And the winners are:

Travel

The winner: Starwood American Express.

The runner-up: Diners Club MasterCard.

Worthy alternatives: American Airlines AAdvantage MasterCard, United Mileage Plus Visa, Choice Privileges Visa, Citi PremierPass Elite MasterCard.

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Cash back

The winner: American Express Blue Cash.

The runner-up: Chase Freedom Visa.

Worthy alternatives: Citi Professional Cash MasterCard, Discover Motiva.

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Savings

The winner: Fidelity Investments 529 College Rewards American Express.

The runner-up: Citi UPromise MasterCard.

Worthy alternatives: GM Flexible Earnings MasterCard, NestEggz Visa.

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The full report about this can be found at MSN.Com.