Choose a card that is right for you

There's a lot of credit card on the market and each has its seemingly attracting features. Choosing the right one that fits you best is not a easy job. Make a list of the credit card features that fit your spending behavior and financial needs. Also make a list of some candidate credit cards that you are considering. Rank the cards according to the features and review other information about the credit cards. While a cash rebate credit card is desirable, depending on your lifestyle you may find other credit cards that may benefit you more such as low APR, pricematch, or student credit cards, etc.

Good or poor credit?

If you have poor credit in the past, don't give up. You may still be able to receive a new credit card.

You can try for a card with a slightly higher rate. Or, you can try applying for a secured credit card, for which you must deposit money into a savings account. The deposit acts as collateral against your credit line. The rate is usually higher than a "normal" credit card, but a secured card offers you the opportunity to rebuild your credit as well as. the convenience of a credit card.

If you have no credit and are a student, try to find a student credit card for you first.

If you have a very good or excellent credit rating, you have much more choices. Generally you should avoid credit cards with annual fees, but there are some good credit cards that worth paying annual fee too. Apply credit cards ONLY from issuers that has good customer service. Some of the good credit cards that worth consideration:

• Pricematch credit cards, protect you from price drop in the future.
• Low introductory APR, or low fixed APR credit cards.
• Cash rebate credit cards, look carefully if there is a tiered structure.
• Other reward credit cards, these cards usually give you credit in various forms, such as airline miles.
• Platinum credit cards.
• Business cards, many offers discount at certain merchants such as hotels and gas stastaions, and no spending limit. In many case you don't need to own a business to apply.

We have created card central where you can browse and compare credit card offers by category, feature, or by issuer conveniently. Go to card central and take a look.