

Rewards credit cards do impact your credit score just like any other credit card. They report to the major credit bureaus and affect key factors like payment history, utilization, and credit age. Using a rewards card responsibly—making on-time payments and keeping balances low—can improve your score over time. Mismanaging it, however, can hurt your score regardless of the perks. Don’t be misled into thinking rewards cards are ‘invisible’ to credit bureaus—they count just as much.