This card features rich benefits for foodies, including lucrative rewards at restaurants and U.S. supermarkets, plus various dining credits that can help offset its admittedly pricey annual fee.

The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.

A new survey reveals that credit card users who carry debt from month to month claim they are overspending to earn rewards.