How To Pick The Best Credit Card For You

Chatur Credit Cards Information Podcast

No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that's the best fit for your spending habits and credit situation.

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1. Check your credit

Find out what credit card offers you might be eligible for by checking your credit score. The better your score, the greater your chance of being approved for cards with better perks. Among ways to check your score:

NerdWallet offers free access to credit scores.

Many credit card issuers give cardholders free FICO scores.

The three major credit bureaus (Experian, Equifax and TransUnion) sell credit scores.

2. Identify which type of credit card you need

There are three general types of credit cards:

Cards that help you improve your credit when it's limited or damaged.

Cards that save you money on interest.

Cards that earn rewards.

3. Narrow your choices by asking the right questions

Visit NerdWallet’s credit card comparison tool and search for the type of credit card you're looking for, filtering results according to your credit score and monthly spending.

4. Apply for the card that offers you the highest overall value

Narrowing your choices is the easy part, but deciding between two or three similar cards can be quite difficult. If you've already found a clear winner after Step 3, go with that one. If not, it’s time for a tiebreaker round.