Determining the best all-around cash-back credit card can lead to plenty of arguments. Everyone believes they know the best cash-back card today and can come at you with a list of evidence as to why they think so.

It’s definitely possible to earn credit card rewards without paying interest, mostly because credit cards typically offer a grace period between the end of your billing cycle and when your payment is due. If your credit card offers a grace period, federal law requires this period to last at least 21 days.

As long as you pay off your credit card each month, cards with no annual fee essentially let you earn free rewards.

When choosing a credit card, you generally have two options: a cash-back credit card or one with perks for travelers. The good news is that competition in this space is fierce, which means a constant benefits battle.