{"id":21795,"date":"2025-10-07T21:24:48","date_gmt":"2025-10-07T21:24:48","guid":{"rendered":"https:\/\/incredipros.com\/?p=21795"},"modified":"2025-10-07T21:24:49","modified_gmt":"2025-10-07T21:24:49","slug":"how-to-choose-the-right-credit-card","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=21795","title":{"rendered":"How To Choose The Right Credit Card"},"content":{"rendered":"<div>\n<div id=\"block_6d2b8c52a4805a6e3222b88e39972064\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            There are four broad types of credit cards to choose from depending on your goals: credit-building cards, balance transfer cards, low-interest cards and rewards cards.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To find the right credit card, start by checking your credit score, analyzing your spending habits and thinking about your financial goals by reviewing your bank statements or budgeting tools.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Familiarize yourself with a credit card\u2019s ongoing interest rates and fees before applying since they can impact the overall cost of using the card.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>There\u2019s no lack of options when you decide you want a new credit card. And when you\u2019re bombarded with mail offers, advertisements and emails urging you to apply, making that decision can quickly get overwhelming.<\/p>\n<p>The right <u>credit card<\/u> for you should be one that is personalized to fit your needs. So if you\u2019re not sure what to look for in a credit card or how to choose the right credit card for your lifestyle, these tips will help you narrow it down. We\u2019ll help you figure out what perks to keep an eye out for, how to choose the right type of rewards cards for you and whether the <u>annual fees for these cards are<\/u><u> worth it<\/u>.<\/p>\n<h2 id=\"check\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1. Check your credit score\" data-outcome=\"\">1. Check your credit score<\/h2>\n<p>Before deciding what kind of credit card you should get, it\u2019s important to check your credit score first. Why? Because the strength of your credit score could potentially reduce or expand your options.<\/p>\n<p>The credit score needed for certain cards and credit card issuers varies widely. Most of the <u>top rewards credit cards<\/u> require at least good credit (a FICO score 670-850), but there are also cards for people with just fair credit and for consumers who have no credit or a limited credit history.<\/p>\n<p>Before starting your search for a card, you can check your credit score for free. This will help you decide which applications are worth your time. If your credit doesn\u2019t look as good as you hoped, spend some time improving it before applying for a credit card. Two of the most effective and easiest <u>ways to improve your credit<\/u> include paying all your bills on time (or early) and paying down credit card debt to lower your credit utilization.<\/p>\n<p>Even if you have great credit and your pick of the best cards available, avoid applying for too many cards at once. Any time you <u>apply for a new credit card<\/u>, you\u2019ll incur a hard pull on your credit report that will temporarily drop your credit score by up to 10 points \u2014 although a 5-point drop is more likely. Additionally, several <u>hard pulls<\/u> in a short time could hurt your chances of approval for cards or other loans in the near future.<\/p>\n<h2 id=\"what\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2. Decide what you want your credit card to do for you\" data-outcome=\"\">2. Decide what you want your credit card to do for you<\/h2>\n<p>Once you know which <u>types of cards<\/u> you can qualify for, it\u2019s time to research options.<\/p>\n<p>There\u2019s often a card that can help you fulfill multiple goals \u2014 like building your credit building or financing a new purchase while earning cash back or other rewards. But generally, credit cards tend to fall into certain categories that revolve around specific goals.<\/p>\n<h3>Improve your credit score<\/h3>\n<p>Responsibly using any credit card will <u>improve your credit score<\/u> over time, but some card issuers offer credit cards specifically designed for people with bad credit or a limited credit history. These cards are called credit-building cards and tend to be relatively easy to qualify for.<\/p>\n<p>Look for credit-building cards that offer free FICO credit score access, credit limit increase reviews and paths to upgrade to a better card.<\/p>\n<p>Credit-building cards come in a few basic types \u2014 most notably <u>secured credit cards<\/u>, unsecured credit-building cards and student credit cards. Here\u2019s a brief breakdown of each:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong><u>Secured cards<\/u> work like traditional credit cards, with one major difference: They require a security deposit when you open the account.<\/strong> Your deposit typically becomes your credit limit and is refundable when you close the card or <u>upgrade to an unsecured card<\/u>. Generally, the minimum security deposit required is around $200.<\/li>\n<li>\n<strong><u>Unsecured credit-building cards<\/u> do not require a security deposit.<\/strong> With no deposit required, lenders typically rely on a consumer\u2019s credit score for approval. As a result, unsecured credit-building cards may be more difficult to obtain than secured cards.<\/li>\n<li>\n<strong><u>Student credit cards<\/u> are designed to help college students build their credit.<\/strong> Since most college students have little to no credit history, qualifying for one of these cards is typically fairly easy. The cards often come with lower credit limits and higher <u>annual percentage rates (APRs)<\/u>. However, they may also offer perks and rewards \u2014 like the ability to earn cash back \u2014 that are not typically found on other types of credit-building cards.<\/li>\n<\/ul>\n<h3>Pay off existing debt<\/h3>\n<p>According to Bankrate\u2019s 2025 Credit Card Debt Survey, about half (46 percent) of American credit card holders carry debt from month to month. Of those, 53 percent have been in credit card debt for more than a year. If you\u2019re one of these people, it is important to understand that credit card debt is one of the most expensive forms of borrowing, so you should try to pay off your credit cards as soon as possible.<\/p>\n<p><u>Balance transfer credit cards<\/u> are an ideal choice to help pay off credit card debt. By transferring debt from one or more cards to a balance transfer card that offers a 0 percent intro APR, you can chip away at your balance without worrying about interest charges. Be sure to have a payoff plan in place before you start because any balance that remains at the <u>end of your intro APR period<\/u> will be subject to the card\u2019s regular APR.<\/p>\n<p>If your current credit card has a high interest rate, a <u>good balance transfer card<\/u> with a low or 0 percent introductory APR can be a lifesaver as you work to pay down your debt efficiently and at a lower cost.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Lightbulb Icon<\/title>\n<path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        Look for balance transfer credit cards that offer a 0 percent APR for at least 15 to 18 months to help you save money on interest for as long as possible.\n    <\/p>\n<\/div>\n<h3>Finance a big purchase<\/h3>\n<p>A low-interest credit card is another good choice if you need to finance expenses over time while minimizing interest charges. These cards tend to come in two major forms, offering either a lower ongoing rate than the <u>average credit card APR<\/u> or a 0 percent introductory APR on new purchases.<\/p>\n<p>A card with a promotional APR on purchases makes the most sense if you have major expenses on the horizon \u2014 such as buying new furniture, moving or a renovation. These cards allow you to pay off expenses over time while avoiding interest. Promotional APRs on new purchases typically last 12 to 21 months, after which any remaining balance is subject to the card\u2019s regular APR.<\/p>\n<p>If you think you\u2019ll carry a balance after the promotional APR period, or if you generally carry a balance from time to time, you should focus less on the introductory rate and more on the ongoing APR. Some of the <u>best low-interest cards<\/u> offer variable APR ranges that currently start between 17 and 18 percent. That might not sound low, but the average credit card APR is now more than 20 percent.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate Insight\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>If you\u2019re looking for a low-interest credit card, you may want to start your search at credit unions or small banks. Those issuers may charge credit card interest rates that are 8 to 10 percentage points lower than the 25 largest banks, according to a 2024 report from the\u00a0Consumer Financial Protection Bureau (CFPB).<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>Credit requirements for these cards vary, but you\u2019ll usually need at least <u>good credit<\/u> to secure a decent ongoing APR.<\/p>\n<h3>Earn cash back, points or miles<\/h3>\n<p>Typically reserved for people with good and excellent credit scores, rewards credit cards are best suited to people who don\u2019t need to worry about building credit and want to earn cash back or points via welcome bonuses and purchases.<\/p>\n<p>You have several <u>types of rewards credit cards<\/u> to consider:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<u>Cash back cards<\/u>: These cards typically earn a percentage of cash back on your spending. In most cases, you can redeem your cash back in the form of a direct deposit, <u>statement credit<\/u> or a check.<\/li>\n<li>\n<u>Points-earning cards<\/u>: When you want versatility in how you redeem your rewards, a points card might be the best choice. These cards allow you to accumulate points instead of dollars as you spend. You generally have the option to redeem your points for cash back, travel, merchandise and more.<\/li>\n<li>\n<u>Miles-earning cards<\/u>: Are you an aspiring jetsetter? A miles-earning card helps you rack up travel miles as you spend. You can redeem them for flights, usually with a particular brand or partner airline.<\/li>\n<\/ul>\n<p>If you\u2019re comparing two cash back cards, consider your normal spending habits. Cards that earn elevated cash back on categories like groceries or gas are great for on-the-go families, while flat-rate cash back cards may be better for people who want to pursue a straightforward rewards strategy.<\/p>\n<p>The amount of rewards you earn on each purchase can vary, but the <u>best flat-rate cash back cards<\/u> earn at least 2 percent cash back on all purchases. Others earn up to 5 percent back (or more) on bonus categories and 1 percent on everything else.<\/p>\n<p>Look for cards that earn more points and miles in categories you spend the most in \u2014 at least 3X points or miles per dollar. Be careful not to use credit card rewards as a reason to spend beyond your budget and get into debt. Sixty-seven percent of Americans who have credit card debt still try to maximize credit card rewards, according to Bankrate\u2019s 2025 Chasing Rewards in Debt Survey.<\/p>\n<h2 id=\"analyze\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"3. Analyze your current spending\" data-outcome=\"\">3. Analyze your current spending<\/h2>\n<p>What do you spend the most money on? You could make an estimate, but you don\u2019t have to.<\/p>\n<p>An often overlooked method of choosing a credit card is reviewing your highest spending categories on your current debit or credit card.<\/p>\n<p>A quick way to see this info is to review your <u>year-end credit card summary<\/u>. This separates your purchases by category throughout the year, plus it shows what you\u2019ve paid in interest and fees. Knowing where your money goes is crucial when you want to find the right credit card.<\/p>\n<p>For example, if you have a credit card offering its highest rewards rate for gas and grocery purchases, but you spend mostly at restaurants and take the metro everywhere, you\u2019d be losing out on quite a few rewards. Or if you carry a balance throughout the year and see a high amount of total interest on your summary, it may be helpful for you to go with a low-interest credit card or balance transfer card.<\/p>\n<p>To get the most out of your next credit card, it should fit your spending and goals \u2014 not the other way around.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Savings Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 20.985h.183l-.006.015a6.597 6.597 0 0 0 3.96-1.346c.161-.123.317-.252.468-.389A6.81 6.81 0 0 0 19 14.086c0-3.706-2.986-6.728-6.724-6.873a6.191 6.191 0 0 0-1.721.134L9.338 6.263a1.01 1.01 0 0 0-1.074-.182 1.122 1.122 0 0 0-.453.364 1.18 1.18 0 0 0-.223.575L7.4 8.894a6.888 6.888 0 0 0-1.998 2.864h-.86c-.298 0-.541.262-.541.582v3.828c0 .32.585 0 .882 0l1.046 1.36a6.99 6.99 0 0 0 3.162 2.82c.919.435 1.917.65 2.91.637Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M10.63 8.72a5.942 5.942 0 0 0 6.167 5.93 6.597 6.597 0 0 1-2.317 2.927 6.603 6.603 0 0 1-3.956 1.179 6.647 6.647 0 0 1-3.394-.86 6.705 6.705 0 0 1-2.495-2.45.604.604 0 0 0-.525-.304H2.717v-3.6h.875a.605.605 0 0 0 .579-.418A5.927 5.927 0 0 1 6.263 8.21a.616.616 0 0 0 .244-.426l.235-2.267L8.348 6.84c.152.122.357.175.548.122a6.188 6.188 0 0 1 2.053-.16 5.908 5.908 0 0 0-.319 1.917Zm.867-3.084a7.796 7.796 0 0 0-2.617.079L7.51 4.58a1.206 1.206 0 0 0-1.72.19c-.136.168-.22.373-.25.601l-.22 2.032a7.07 7.07 0 0 0-2.154 2.922H2.11a.61.61 0 0 0-.609.608v4.817a.61.61 0 0 0 .609.608h1.658a7.874 7.874 0 0 0 1.885 2.02l-.516 2.073a.606.606 0 0 0 .442.738c.045.016.099.016.144.016v.007c.274 0 .525-.19.594-.464l.418-1.683a7.906 7.906 0 0 0 3.775.907h.205l.008.008a7.815 7.815 0 0 0 3.626-.9l.414 1.66c.076.282.32.465.593.465v-.008c.046 0 .1 0 .145-.015a.606.606 0 0 0 .441-.738l-.512-2.054a7.843 7.843 0 0 0 2.658-3.72.602.602 0 0 0 .03-.222A5.947 5.947 0 0 0 22.5 8.72a5.942 5.942 0 0 0-5.935-5.934 5.938 5.938 0 0 0-5.068 2.85Zm.35 3.084a4.721 4.721 0 0 1 4.718-4.717 4.721 4.721 0 0 1 4.718 4.717 4.721 4.721 0 0 1-4.718 4.718 4.721 4.721 0 0 1-4.717-4.718ZM7.534 11.27a.916.916 0 0 1-.913-.913c0-.502.411-.913.914-.913v.008c.502 0 .912.41.912.913 0 .502-.41.913-.913.913v-.008Zm7.784.206h.64v.289a.61.61 0 0 0 .608.608.61.61 0 0 0 .609-.608v-.29c.843-.03 1.521-.772 1.521-1.681 0-.928-.707-1.682-1.575-1.682h-1.103c-.19 0-.357-.213-.357-.464 0-.25.16-.464.357-.464h.453a.606.606 0 0 0 .19 0h1.16a.61.61 0 0 0 .61-.609.61.61 0 0 0-.61-.608h-.646v-.29a.61.61 0 0 0-.609-.608.61.61 0 0 0-.609.609v.29c-.839.034-1.514.774-1.514 1.68 0 .929.708 1.682 1.575 1.682h1.104c.19 0 .357.213.357.464s-.16.464-.358.464H15.317a.61.61 0 0 0-.608.609.61.61 0 0 0 .608.609Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Money tip:<br \/>\n        <\/strong><br \/>\n        Don\u2019t have a credit card yet? That\u2019s OK. Many banks have an online budgeting feature with similar functions for breaking down your checking account spending.\n    <\/p>\n<\/div>\n<h2 id=\"pick\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"4. Pick the card that offers the best value\" data-outcome=\"\">4. Pick the card that offers the best value<\/h2>\n<p>Beyond the type of credit card, we recommend choosing a credit card with benefits and features that are relevant to you. Here are some perks to look for:<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-secured-and-student-credit-cards', 'heading-secured-and-student-credit-cards']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-secured-and-student-credit-cards')\" :aria-controls=\"$id('panel-secured-and-student-credit-cards')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Secured and student credit cards<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-secured-and-student-credit-cards')\" :aria-labelledby=\"$id('heading-secured-and-student-credit-cards')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>\n<strong>Credit line increases<\/strong>: When considering a secured credit card, look for options that reward responsible usage with periodic credit line increases. That usually means updating your income regularly with your card issuer, but the potential improvement to your credit score is worth it.<\/li>\n<li>\n<strong>Graduation<\/strong>: The ultimate goal of getting a secured credit card or a student card is to eventually have good enough credit to get an unsecured card. Some cards make this transition easier by allowing you to graduate to an unsecured card when your credit improves or when you graduate college \u2014 no new application needed.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-low-interest-and-0-percent-apr-credit-cards', 'heading-low-interest-and-0-percent-apr-credit-cards']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-low-interest-and-0-percent-apr-credit-cards')\" :aria-controls=\"$id('panel-low-interest-and-0-percent-apr-credit-cards')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Low interest and 0 percent APR credit cards<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-low-interest-and-0-percent-apr-credit-cards')\" :aria-labelledby=\"$id('heading-low-interest-and-0-percent-apr-credit-cards')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>\n<strong>Length of introductory APR offer<\/strong>: No credit card offers 0 percent interest indefinitely, but you can find some top cards offering 0 percent introductory periods that are up to 21 months long.<\/li>\n<li>\n<strong>No penalty APR or late fees<\/strong>: If you fall behind on your payments, some credit card companies charge costly fees or a penalty APR. If you\u2019re still new to credit cards and don\u2019t want a costly consequence for being late on a payment, consider looking for a card without these fees.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-rewards-cards', 'heading-rewards-cards']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-rewards-cards')\" :aria-controls=\"$id('panel-rewards-cards')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Rewards cards<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-rewards-cards')\" :aria-labelledby=\"$id('heading-rewards-cards')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>\n<strong>Type of rewards<\/strong>: There are many types of credit card rewards, including cash back, airline miles and points. Cash back is simplest for most, but you may get more bang for your buck by redeeming points or airline miles. Cards that offer flexible rewards, which are rewards not tied to a certain airline or hotel brand, often provide the most value.<\/li>\n<li>\n<strong>Low required spending<\/strong>: Some rewards cards require you to meet a certain spending limit before qualifying for bonuses or special offers. If you are considering a rewards card and want to earn its welcome bonus, for instance, take note of the spending requirement to make sure you can cross that threshold without overspending.<\/li>\n<li>\n<strong>No (or low) annual fee<\/strong>: Rewards cards offer the best perks, but many have annual fees. The rewards will often outweigh the burden of an annual fee, but there are also plenty of cards with no yearly fee.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"consider\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5. Familiarize yourself with interest rates and fees\" data-outcome=\"\">5. Familiarize yourself with interest rates and fees<\/h2>\n<p><u>Credit card issuers make money<\/u> through interest and fees. Federal law requires that all credit cards disclose their interest rate fees in advance, so it\u2019s important to research these added costs before applying for a new card.<\/p>\n<h3>Interest rates<\/h3>\n<p>Interest rates on credit cards can vary significantly. Some cards may offer interest rates below the current average, while others may charge considerably more. A card\u2019s APR should be a defining factor in your decision-making process, especially if you think you may have to carry a balance.<\/p>\n<h3>Fees<\/h3>\n<p>Different types of credit cards charge various fees. Some of the most common you may encounter include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Annual fee<\/strong>: Many credit cards come with annual fees that typically range anywhere from $0 to $550 and higher. Some issuers will also waive their annual fees in the first year of card ownership, and sometimes you can get that <u>fee waived just by asking<\/u>.<\/li>\n<li>\n<strong>Balance transfer fee<\/strong>: If you already have a credit card, and you\u2019re struggling to pay off high-interest credit card debt, a balance transfer card could be a good option for you. <u>Balance transfer fees<\/u> are typically 3 percent to 5 percent of your transfer amount, often with a minimum of $5 to $10. This fee is added on top of the balance you transferred.<\/li>\n<li>\n<strong>Late payment fee<\/strong>: If you pay your credit card statement late, you could be charged a <u>late payment fee<\/u>. These fees differ depending on the issuer and the number of times you have paid your balance late.<\/li>\n<li>\n<strong>Cash advance fee<\/strong>: A cash advance is when you take money out of an ATM using your credit card. <u>Cash advances should be avoided<\/u> whenever possible. Fees associated with cash advances can be high \u2014 typically 3 percent to 5 percent of the amount withdrawn. You\u2019ll also be charged interest on a cash advance right away, often at a higher rate than your regular APR.<\/li>\n<li>\n<strong>Foreign transaction fee<\/strong>: When you use your credit card for any purchases in foreign currency, whether outside the U.S. or shopping online from home, you may be charged a <u>foreign transaction fee<\/u>. These fees typically cost around 3 percent per transaction. If you\u2019re an avid traveler, consider credit cards that don\u2019t charge foreign transaction fees.<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>With so many different types of credit cards available, it can be hard to find the right one for your needs. Once you determine which features, benefits and goals you want to aim for, you can start narrowing down your options and the decision becomes easier. If you still want some help choosing the right credit card, <u>Bankrate\u2019s CardMatch<\/u>\u2122 tool can do some of the heavy lifting for you by finding credit cards that fit your credit profile and goals.<\/p>\n<h2 id=\"faqs\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions about how to choose a credit card\" data-outcome=\"\">Frequently asked questions about how to choose a credit card<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-is-an-annual-fee-worth-it', 'heading-is-an-annual-fee-worth-it']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-an-annual-fee-worth-it')\" :aria-controls=\"$id('panel-is-an-annual-fee-worth-it')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is an annual fee worth it?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-an-annual-fee-worth-it')\" :aria-labelledby=\"$id('heading-is-an-annual-fee-worth-it')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            It depends. If your spending habits and lifestyle allow you to take full advantage of a card\u2019s rewards and benefits, choosing a card with an annual fee can easily be worth it. Just be sure that you don\u2019t cancel out any benefits you receive by carrying a balance and having to pay interest.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-a-good-first-credit-card', 'heading-what-is-a-good-first-credit-card']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-a-good-first-credit-card')\" :aria-controls=\"$id('panel-what-is-a-good-first-credit-card')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is a good first credit card?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-a-good-first-credit-card')\" :aria-labelledby=\"$id('heading-what-is-a-good-first-credit-card')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The right first credit card for you is heavily dependent upon your credit score and your spending habits. If you have a limited credit history, consider opting for a secured credit card or a student card. If you have good to excellent credit, choosing a cash back or rewards card that rewards you for your spending may be more optimal.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-often-should-you-apply-for-a-credit-card', 'heading-how-often-should-you-apply-for-a-credit-card']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-often-should-you-apply-for-a-credit-card')\" :aria-controls=\"$id('panel-how-often-should-you-apply-for-a-credit-card')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How often should you apply for a credit card?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-often-should-you-apply-for-a-credit-card')\" :aria-labelledby=\"$id('heading-how-often-should-you-apply-for-a-credit-card')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Applying for a new credit card requires a hard inquiry to be made on your credit report. Each time a hard inquiry is performed, your credit score will drop by a few points. So, it is important not to apply too often \u2014 especially if you are getting ready to apply for another type of loan (like a mortgage or car loan). The more often you apply for new credit, the less likely you are to be approved. Make sure to not apply to too many cards at once as issuers can see that as a possible red flag and deny you.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-many-credit-cards-should-you-have', 'heading-how-many-credit-cards-should-you-have']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-many-credit-cards-should-you-have')\" :aria-controls=\"$id('panel-how-many-credit-cards-should-you-have')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How many credit cards should you have?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-many-credit-cards-should-you-have')\" :aria-labelledby=\"$id('heading-how-many-credit-cards-should-you-have')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\"\/>\n<p>There is no concrete or optimal number of credit cards you should have at one time. Different types of cards offer different advantages, so the amount of credit cards you should have is dependent upon how well you can handle them. The most important factors are to stay organized with the cards you have, be sure to get value from any cards with annual fees and avoid paying interest by paying off your balances every month.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 max-w-108 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"lJOmiCccWa\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/advice\/how-to-choose-your-next-credit-card\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways There are four broad types of credit cards to choose from depending on your goals: credit-building cards, balance transfer cards, low-interest cards and rewards cards. To find the right credit card, start by checking your credit score, analyzing your spending habits and thinking about your financial goals by reviewing your bank statements or<\/p>\n","protected":false},"author":1,"featured_media":21796,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-21795","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Choose The Right Credit Card | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways There are four broad types of credit cards to choose from depending on your goals: credit-building cards, balance transfer cards,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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