What kind of card to apply for depends on what you’ll be doing with the card. One idea is to get a travel rewards credit card that offers frequent flyer miles for every dollar you spend. If you spend a lot of time travelling, think about getting a card that doesn’t charge a foreign transaction fee. This way, you’ll save 2-3% on every purchase you make outside the United States. You’ll also want a card with an EMV chip, so it can be used all over Europe, Asia, Canada, and other regions where chip cards are standard and magnetic stripe cards can’t be processed. If you’re planning to use the card for regular, everyday shopping, then consider a card that offers 5% off in rotating categories. During the spring, you might get extra cash back at home improvement stores and garden centers; during the winter holiday season, you might get 5% back at department stores.
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