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The type of card that is best for an individual depends on someone's spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who always pays off their balance in full every time their monthly statement is received, you should consider applying for a more general rewards credit card and using it to pay for your purchases. Depending on which rewards card you end up with, the reward points you earn could be redeemed for award travel or cash back. If you are someone who tends to carry a balance, a card with a low fixed APR would be a better option, to avoid getting stuck with high interest rates.