If you’re looking for a new credit card, it’s easy to get overwhelmed by your options. Each credit card company usually offers a range of cards with various features, perks, and rewards, but there are often limitations as well. Many credit cards incentivize you to use them by offering cash back rewards or miles on eligible purchases.
If you have a good credit score, you might want a card with a high rewards rate. Other credit cards may be better options for those with a short credit history or a bad credit score.
It’s also important to consider how you’ll use your card. For some people, cards that offer an intro 0% APR at account opening can save money. Or, you may prioritize cards that don’t charge a foreign transaction fee on international purchases if you travel often. Understanding these differences can help you find the best fit for your current financial needs and your future goals.