The content is accurate at the time of publication and is subject to change.

When considering any sort of credit card, it's smart to make a list of pros and cons. Some of the pros might be: a rewards program, a no-interest or low-interest offer, a balance transfer offer if you're looking to pay off debt, no fees for late payments or over-the-limit purchases, zero liability for fraudulent transactions, purchase protection, concierge service, travel benefits, no foreign transaction fees, and a lucrative rewards program with flexible redemptions and easy-to-earn points or cash back. Cons of any particular card might be: high interest charges, no rewards program, a very high annual fee, a low credit limit, no signup bonus, or a card that's not accepted widely. If you apply for a credit card, you'll want to use it at as many places as possible – especially if it has a rewards program that you want to take advantage of.

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Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.