When choosing a credit card, think about the types of places where you spend money every day or every week.įor instance, if you prefer cooking at home to eating out, you’ll likely want a credit card that offers bonus rewards on groceries, not one that gives extra rewards at restaurants.ģ) Yesterday’s credit card may not be the right card for you today There are hundreds of credit cards on the market with dozens of different features, so you want to pick a card whose features most closely match your needs and spending habits, not just one that happens to be popular at the moment.
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Your friends might gush about an exciting new credit card that offers free airport lounge access, but if you fly only once or twice a year, how much will you personally be able to use that benefit? Only use a credit card to buy things you were planning to buy anyway.Īnd if you don’t feel you can be disciplined enough to do that - or you’re already deep in credit card debt - you may want to avoid getting a new credit card entirely unless it’s for the specific purpose of reducing the interest you’re paying on existing debt through an introductory balance transfer offer.Ģ) Choose a credit card that fits your personal needs
Successful use of credit cards means substituting them for cash or a debit card as a payment method, not using them to live beyond your means. That’s why it’s vital that you never carry a balance on your credit card. You don’t want to be one of those people. Banks are only able to provide extensive credit card perks because they know a certain percentage of their users will end up paying exorbitant interest that more than covers the cost of those perks. iStockĩ of our favorite credit card perks that you won’t want to miss out onĬredit cards today offer rich rewards and exciting benefits, but the moment you start paying interest, you’ve lost the game. When you have good credit, you can qualify for credit cards that offer exciting travel rewards, lucrative cash back or even VIP perks.
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Here’s what you need to know about how CNN Underscored reviews credit cards and how you can find the credit card that’s right for you.īefore we dive into our extensive criteria, let’s briefly review CNN Underscored’s three key rules to keep in mind when it comes to credit cards:ġ) Avoid interest by always paying your balance in full and on time That said, here at CNN Underscored, we stay on top of the rapidly changing landscape of credit card offers so you can be sure you’re always getting the best options for the credit card perks and benefits that matter to you. To put it another way, the “best credit card” is in the eye of the beholder. That’s because the best credit card is the one that matches your personal priorities, whether it be earning cash back, utilizing robust travel perks, relying on the security of purchase protections, redeeming rewards for over-the-top travel, avoiding fees or one of many other credit card features. We may receive compensation for sending traffic to partner sites, such as, and this compensation may impact how and where links appear on this site.īefore detailing our methodology for ranking credit cards, we have to acknowledge an awkward reality: There isn’t a “best” credit card. Your CNN account Log in to your CNN accountĬNN Underscored reviews financial products such as credit cards and bank accounts based on their overall value, but does not review all financial companies or all available financial offers.
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