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What is the Best Credit Card

Determining what is the best credit card comes down to taking a hard look at one’s financial situation, credit history, and income.  Once a consumer has figured out these three things, it’s easier to find a credit card that matches closely with the needs of the consumer and provides the best benefits and rewards as well. Get a great credit card with 0% interest at

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Hot Credit Card Offers
Hot Credit Card Offers
Type Brand Annual Fee APR Cashback Bonus Details/Apply
The First Progress Platinum Elite MasterCard(R) Secured Credit Card
$29 19.99% N/A


* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Credit Score

The single most important factor banks use in determining who to issue credit cards to (and at what interest rate) is the applicant’s credit score. Many banks will issue cards only to those with the highest scores and the best history of having and managing credit successfully. That’s not to say that others with less stellar credit histories can’t get a credit card, but it’s a lot easier to find the right card to apply for when one knows one’s credit score. Knowing one’s credit score and history can make it clear what is the best credit card to apply for.

Revolving Debt

The next thing to consider when trying to determine what is the best credit card is whether the consumer plans to carry a balance or pay off the card at the end of each billing cycle. Many people use credit cards for everyday purchases like groceries and vehicle fuel, while others use their cards only for large purchases and emergencies. Knowing whether one belongs to the everyday usage group or the large purchases group will help consumers decide if they will have revolving debt associated with the card, that is, debt that carries over from month to month. For those who will have revolving debt, a low interest card is the best option; while those who will pay off their debt each month, a card with rewards and extra benefits may be the best option.

Card Usage

There are other things to think about when it comes to the usage of the card. Many people only use a credit card for emergencies, while others may be considering things like moving debt from a high interest rate card to one with a lower interest or an introductory no interest period. When looking at the question of what is the best credit card, consumers should consider other ways that the card might be an advantage to them, such as balance transfers, to get a clear picture of the card to get. For consumers who do want to move an existing balance, zero interest introductory rates and low interest rate cards are the best options.


Many people consider the interest on their cards, but rarely think about the fees when figuring out what is the best credit card. Many cards have fees, like fees for using them overseas, that some people may need to consider when applying for a new card. For those who travel overseas frequently, having a no fee card is a good idea. In addition, some cards offer no fees if a certain spending limit is met or other conditions. Don’t forget too that some cards have additional fees for being over the credit limit and being late on a payment in addition to the interest charged.

Determining what is the best credit card should be based on the individual consumer’s needs and not just on what the card offers. The consumer should look for a card that best works with the consumer’s spending habits.

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