How To Pick The Best Credit Card For You In 4 Easy Steps

Bunty Sharma Credit Card Advisor

If you know your options and ask the right questions, you can find the best fit for your spending habits and goals.

1. Check your credit

Find out what credit card offers you might be eligible for by checking your credit score. The better your score, the greater your chance of being approved for cards with better perks. Among ways to check your score:

• Many credit card issuers give cardholders free FICO scores.
• The three major credit bureaus (Experian, Equifax, and TransUnion) sell credit scores.

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2. Identify which type of credit card you need

There are three general types of credit cards:

• Cards that help you improve your credit when it's limited or damaged.
• Cards that save you money on interest.
• Cards that earn rewards.

The best card for you is one with features designed to meet your specific needs. If you don't travel much, for example, then the best travel card in the world isn't going to do you a lot of good.

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3. Narrow your choices by asking the right questions

For student and secured credit cards:

Will this card help me build my credit? Look for a card that reports your credit card payments to the three major credit bureaus. Many secured cards don't do this.

4. Apply for the card that offers you the highest overall value

Narrowing your choices is the easy part, but deciding between two or three similar cards can be quite difficult. If you've already found a clear winner after Step 3, go with that one. If not, it’s time for a tiebreaker round.