There are thousands of credit cards out there, I know, but when you’re looking for one that suits your tastes, and spending habits, you’re going to find that the search may get a little stressful.  I’m going to give you some fairly simple tips that you will help you find the perfect card for your wallet.

What is your credit score?

The first thing I want you to ask yourself is this question.  What kind of credit do you have?  If you don’t know what kind of credit score you have, you should have a fairly good idea.  Do you have great credit, or is it poor?  If it’s poor, you’ll find that you’ll most likely have to resort to a bad credit based card, that generally doesn’t have any rewards.

Take a look at your spending habits

Everyone spends their money on something.  I want you to sit back, and look at your spending habits.  What do you spend your money on each and every month?  When I say this, I mean what do you spend the most of your money on?  Is it groceries?  gas?  clothes?

The reason I want to know this is because most cards out there will reward you for certain purchases.  For example, you may find that a card will give you triple points if you spend money on clothes.  If you spend a lot of money on clothes, you’ll want a card like this.

Start your searching

Now that you know what kind of spending you do, you’ll now want to look out for that card.  Start searching for a card that benefits your spending habits.  Find at least 3 or 4 cards that peak your interest, and compare them.

This is what you’ll want to compare:

  • The rewards structure
  • The annual fee ($0 is the best)
  • APR (this doesn’t matter if you pay off in full)
  • Major logo (this is a necessity if you want to have it accepted everywhere)

When you finally find a card that suits your spending habits, apply for it, and make sure that you pay your bills off in full all the time.  As long as you do this, you can avoid the interest rates, and take advantage of the cash back.


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  4. Get The Most Out Of Your Rewards Credit Card
  5. Credit Card Purchases Earn Cash Back Rewards