There are six billion credit card offers sent to Americans each year. It’s almost impossible out of the dozens that one receives each year to pick out the best one. It becomes even more complicated, because the best consumer credit card isn’t the same for every single person. Some of us want high rewards, others want low interest rates, some want airline miles, others want cash back. We’ve decided to take a look around, do a lot of research, and figure out what might be the best credit card for your situation.

If You Always Pay in Full – When you always pay in full, you don’t have to worry about interest rates too much. You’re already doing better than most everyone in the credit card game. In this case, you’ll probably want to find a card with no annual fee and one that offers a longer grace period to pay, so that you never pay a dime of interest. The American Express Clear card offers a full one-month grace period, a 12.99% APR, no annual fee, and you’ll get $25.00 after you’ve spent $2500 on it automatically.

If You Love To Travel – Airline miles became one of the very first types of rewards programs available for credit cards. Since then they’ve faded back for cash back and other rewards. You’ll want to find a credit card that allows you to collect airline miles and use them on any number of airlines. Citi’s Premier Pass MasterCard allows you to earn one point per dollar and earn one point for every three miles flown by anyone who’s tickets were purchased on the car. You’ll need $25,000 points to collect a free ticket, but with Citi’s Premier Pass MasterCard you’ll never hit a ticket price cap.

If You’re Looking for Cash Back – If you ever carry a balance on a credit card, your rewards points or cash back have been overshadowed by the finance charges you’ll be paying. However if you always pay your card on time, you had just as well go out and get some good rewards. Citi’s Dividend Platinum Select Card returns 5% back for everyday purchases and 1% back for everything else. The rebates are capped about $300 a year. If you spend a lot on your card, you might consider American Express’s Blue Cash, but that’s only if you spend more than $6,500 a year on your card. Both are no annual fee and have varying interest rates.

If You’re a Student – Students need smaller credit limits so that if they misuse their credit cards, they can’t break the bank too much. They should look for one with a lower limit and a decent interest rate. Sovereign’s Preferred Student Visa (800-531-0839) offers a fixed 9.9% APR and has no annual fee. Students start off with a $500 limit, which will prevent them from making any major mistakes early in their credit life.

If You Carry a Balance – I highly recommend that you pay off your balance in full each month to avoid paying often ridiculous finance charges, but if you do have to carry a balance, you’ll want to find a credit card that offers the absolute lowest interest rate around. One of the best in the industry is Pulaski Bank’s Visa Classic. It has a $35.00 annual fee, but has a 6.99% fixed interest rate. This rate is practically unheard of. You’ll need a pretty decent credit score to get one of these gems though.

If You’re Looking to Transfer a Balance – If you have a lot of credit card debt and want to get out of debt, you’ll be looking for a credit card that has a very low introductory rate that you can keep for quite a while. Discover’s Platinum Card offers a 0% rate for the first 12 months, and then moves to 9.99% APR after the first year. If you transfer money to this card and don’t use it again, it’s a great way to cut down the interest rate while getting out of debt.

We’re not all the same. We each need a credit card that will fit our lifestyles and credit needs. Fortunately due to all of the competition among credit card companies these days, they’re getting better and better. Some of these offers might not even be the right choices for you, there are a number of sites online that have great credit card offers for both business credit cards and consumer credit cards.



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