With the right credit card, you can experience a whole new way to shop. You’ll get to earn cash back on your purchases, elite perks, and more! But the credit card market is filled with many potential cards – how do you know which one is best for you? Below are tips on how to find the best credit cards for you!

1. The rewards are what matter most.

It’s not enough that a credit card has a great sign-up bonus – you should also consider the rewards program. Are there rotating categories you can use your rewards in? Are there other perks, such as access to airport lounges? Are there opportunities to get cash back, too? Find a credit card that will give you real value instead of spending money on something without any benefits.

2. Is the card’s annual fee worth it?

It’s tempting to apply for a credit card with a large sign-up bonus, but if you aren’t able to use the card in a year, then it isn’t worth the annual fee. Look for one that allows you to accumulate rewards without having an annual fee – and you can use those rewards to enjoy additional perks!

3. Is there a card with good customer support?

Once you have your credit card in hand, it’s important to know how to contact the customer service team. Do they offer live chat support or phone support? Will they follow up after you’ve submitted an inquiry? You need to know what to expect, so read information on the website and make sure you’re comfortable with it before getting it!

4. Are you willing to spend more to get the sign-up bonus?

Many cashback credit cards offer a 1% cashback on all purchases, but they have a sign-up bonus. If you spend $1,000 in three months, it might be worth getting the card with a $150 sign-up bonus. However, if you don’t plan on spending that much within the first few months, find one that offers free rewards instead of having a sign-up bonus!

Conclusion

Credit cards are great if you know how to use them – and they are very easy to use! You just need to find the right one for your spending habits, and you’ll be able to earn rewards without paying tons of interest!