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

Ultimately, the best credit card to get comes down to the type of card you want, your spending habits, and your credit. The type of credit card to get depends on your needs: whether you want to build credit, or you'd rather earn rewards on everyday purchases, or you are planning a big purchase and looking for a credit card with a 0% intro APR.

Whether or not you want to improve your credit or to transfer a balance to get rid of your current excessive balances, make sure you consider these things below first:

  • Your credit score: it is good to know where your credit score falls between 300 and 850. It's easier to sift out credit card offers when you know your credit score, as credit card issuers often indicate recommended credit history for their credit offers.
  • What you will use the card for: a big purchase, balance transfer, travel, or everyday expenses. If you do not know what rewards credit card to choose, take a look at your expenses over the past few months to get an idea of where you spend most of your money.
  • Consider other preferences: shopping around for credit cards can give you a general idea of what additional benefits you can get with a credit card. Gather some information about available features and determine the ones that are most appealing to you. At the same time, make sure you'll get enough value from a card to offset its annual fee.
  • If a secured or unsecured card is a better fit for your credit history: sometimes, when your credit is not good enough to get approved for a credit card, it's worth considering a secured credit card. This type of cards is a good option when you need to build or improve your credit to be able to qualify for a better offer.

There are several types of credit cards from which you can choose, so do your homework to find out what features work well for your lifestyle and needs. If you are choosing a credit card for the first time, make sure you review the terms and conditions, including interest rates, fees, and other features to understand what you are getting.

Another thing to remember when applying for a credit card is that too many credit card applications can hurt your credit. To avoid multiple hard credit inquiries on your credit reports, you can use pre-qualification tools. Such tools will show you credit card offers you may qualify for (they do not guarantee approval though). Many issuers have such tools on their websites. Plus, checking out pre-qualified offers is a good starting point.

tags : Business Credit Cards Credit Score Rewards Program

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