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Avoid pitfalls when choosing a credit card

Choosing a credit card is not an easy task as it may seem at first sight. And if you think that applying for the first card you like only because it offers a good sing-up bonus is not bad, then you are wrong. When you ignore the credit card terms, you put your financial well being in danger because the most important information is often written in fine print. Below we offer you some tips on what to look at and what to consider when you choose your first credit card or a new credit card.

Choosing the best credit card for you:

  • Know your spending habits. This will help you understand what type of credit card you should be looking for. For example, if you love shopping and spend a lot at different places, rewards credit cards will the first cards to consider. Or you fly a lot and want to separate your airfare expenses from other purchases then an airline credit card can be a good choice for you.
  • Compare fees and interest rates. Now when you've chosen a couple of credit cards, compare their terms. Credit cards with an annual fee tend to have a lower interest rate and a better rewards program, whereas credit cards with no annual fee come with higher interest rates and lower rewards. Also, there can be an introductory interest rate that usually matters when you need to make a big purchase or transfer a balance because an ongoing APR will eventually come into effect.
  • Evaluate rewards program. Here you will need to make some calculations to see which credit card will be more rewarding for you. If rewards do not cover or barely cover the card expenses, then you'd better skip this offer and look for another one.

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