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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.