Picking the right credit card for yourself

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Research » Guides » Cardholder Benefits » Picking the right credit card for yourself

Picking the right credit card for yourself

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

There are a number of different credit cards that are out there. However, picking out the right one can be quite a daunting task. If you are able to pick out the right card, you can consider the task half done. However, it is quite possible that you might need some help choosing credit card, given the sheer number of options that you might have. Listed below are some factors to keep in mind that can help ensure that you do get a really good credit card in the end.

Annual percentage rate

These days, almost every credit card provider gives a zero percent initial APR, which makes it extremely easy to hold onto a credit card. However, you should know that the annual percentage rate will not always remain zero. In many cases, the credit cards will increase the rate to some percentage value. However, you should know that choosing credit card based purely on this factor alone will not yield any kind of good result. Keep this rate as a factor while picking out your credit cards. This rate will determine the amount of money that you lose out in terms of additional payment.

Acceptance

Of all the different factors, this is definitely an important one to consider. As much as possible, you would want to pick out a credit card that is going to be accepted in most of the places that you frequent. Keep in mind that when choosing credit card, acceptance holds a lot of significance, especially if you are going to be using this single card for most transactions. Hence, it follows that you would want some kind of a card that will probably provide you with the ability to transact with ease. Always opt in for cards that provide you with this kind of flexibility, just to be on the safe side.

Points on transactions

Another important aspect to keep in mind would be the points that you might accumulate on your transactions. This is not particularly important, but can be considered as a good thing to have, nevertheless. You should opt in for choosing credit card that can provide you with some kind of points for each swipe. In this manner, you can be sure of getting your money's worth. Don't base your decision based on this alone, as it is not necessary that this is an important feature to be included with your credit card.

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.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Related Research:

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Posted: November 8, 2018

Thanksgiving is coming, and whether you are hosting a meal or coming as a guest, your spendings are going to accumulate faster than you can notice. A holiday feast is a costly matter – each year Americans spend around $50 on a Thanksgiving ... Continue reading
The Best Credit Card for Earning Cash: Discover it® Cash Back

The Best Credit Card for Earning Cash: Discover it® Cash Back

Posted: November 2, 2018

You’ll have hundreds of dollars in your pocket in no time because you’ll earn money back on every purchase you make with this card. There are no restrictions on the amount of cash back you can get, and Discover even matches every penny you ... Continue reading
Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Posted: October 10, 2018

Nights are drawing out, the wind is colder every day and you already feel the lightest breath of winter on your face - autumn is here. Holidays are over, kids are back to school and all you are left with are hefty holiday bills that you ... Continue reading
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!