Editor’s note: This is a transcript of the audio file.

If you’re in the market for a rewards credit card, you may want to consider a card linked to your investment account.

I’m Sheyna Steiner with the Bankrate.com personal finance minute.

Rewards cards offered by Fidelity and Charles Schwab offer some of the best rewards programs around, with no annual fees and no caps on the rewards that can earn.

There is just one catch, the card must be linked to a brokerage or investment account.

Rewards cards linked to college savings accounts and IRAs will have less immediate gratification built in but there is one card offered by Schwab which could be particularly rewarding…it’s the Schwab Bank Invest First Visa Signature card.

You earn 2 percent cash back on all purchases and the cash is deposited in your account every month.

As an added bonus for frequent travelers, the card does not charge fees for credit card transactions made in foreign currencies.

Of course to take advantage of the credit card you’ll need to have excellent credit and manage your card wisely.

For more on managing your credit, visit Bankrate.com I’m Sheyna Steiner.