Find the Right Credit Card For You | SmartAsset.com (2024)

Why are we asking this?

To see what types of rewards cards are right for you.

Why are we asking this?

To see whether you're looking for your first cash back card.

Why are we asking this?

Some cards offer special rewards rates on grocery spending. We'll use your grocery spending preferences to estimate how much these cards could earn you.

Why are we asking this?

To see whether cards that offer special rates at wholesale clubs make sense for you.

Why are we asking this?

Some credit cards offer extra rewards for purchases at gas stations. We'll use your answer to estimate how much these cards will earn you.

Why are we asking this?

Some cards offer special rewards rates on travel spending. This can often include public transportation.

Why are we asking this?

Some cards offer special rewards rates on travel-related spending. This can often include public transportation.

Why are we asking this?

To see how much you'll benefit from cards that offer extra rewards on dining.

Why are we asking this?

We check for cards that offer special rewards on Amazon.com and/or other online vendors.

Why are we asking this?

We check for cards that offer special rewards on Amazon.com and/or other online vendors.

Why are we asking this?

Some credit cards will offer a bill credit with specific wireless providers.

Why are we asking this?

Some credit cards will offer a bill credit with specific wireless providers.

Why are we asking this?

Some credit cards will offer a bill credit with specific providers

Why are we asking this?

To see whether you'll benefit from cards that offer higher rates for utilities spending.

Why are we asking this?

To see whether you'll benefit from cards that offer higher rates for utilities spending.

Why are we asking this?

To see if you're eligible for small business credit cards, which often come with features that can help you grow your business.

Why are we asking this?

Military members and their families have exclusive access to card offers with issuers like USAA.

Why are we asking this?

Military members and their families have exclusive access to card offers with issuers like USAA.

Why are we asking this?

If you're a student, we'll consider credit cards tailored to students.

Why are we asking this?

We'll look for cards that offer rewards at places where parents shop most.

Why are we asking this?

To make sure we're including rewards on expenditures anywhere where you might want to use a credit card.

Why are we asking this?

Certain credit card issuers will offer you a rewards bonus when you redeem to an affiliated bank account.

Why are we asking this?

To see if you're eligible for small business credit cards, which often come with features that can help you grow your business.

Why are we asking this?

If you travel internationally, you may benefit from credit cards with no foreign transaction fees.

Why are we asking this?

To get a better idea of how much you normally spend when you travel. Certain cards will allow you to redeem for a ticket for others as well as for yourself.

Why are we asking this?

To get a better idea of how much you spend when you travel.

Why are we asking this?

If you book flights on a credit card, we can look for credit cards that offer special rewards for airline purchases.

Why are we asking this?

We'll estimate how much you'll benefit from cards that offer perks and extra rewards on airline purchases.

Why are we asking this?

Certain credit cards offer priority boarding with affiliate airlines. If this is important to you, we'll take that into account.

Why are we asking this?

Certain credit cards offer free checked bags with affiliate airlines. We can look for cards with this perk if it's important to you.

Why are we asking this?

Certain credit cards offer free or reduced-rate lounge access with affiliate airlines.

Why are we asking this?

Certain rewards programs may restrict booking options during busy travel periods. If flexibility is important to you we'll look for cards with no blackout dates.

Why are we asking this?

We want to see if any credit cards that are affiliated with specific airlines make sense for you.

Why are we asking this?

If you book hotel reservations on a credit card, we can look for credit cards that offer special rewards for hotel purchases.

Why are we asking this?

We'll estimate how much you'll benefit from cards that offer perks and extra rewards on hotel purchases.

Why are we asking this?

To see how much you would benefit from credit cards with special rewards rates on hotel spending.

Why are we asking this?

We want to see if any credit cards that are affiliated with specific hotel chains make sense for you.

Why are we asking this?

This will help us recommend the best cards that fit the way you intend to use them.

If you’re someone that wants to maximize your rewards, we suggest you select “Best overall value”. If you want a card that’s simple and easy to use, we suggest you select “Flat rate rewards on everything”. If you want a card for specific type of spending, such as groceries, gas, travel, etc., we suggest selecting “High earnings in a few categories”.

Why are we asking this?

Many of the credit cards with the highest rewards rates come with annual fees. Any recommendations we provide account for the cost of fees, but if you're someone who wants to avoid annual fees we'll leave those out.

Why are we asking this?

We want to make sure you're a good fit for any cards you apply for. If your credit needs work, we'll recommend cards to help you improve it.

* This value is not endorsed by any card issuers. We've estimated your rewards values based on your spending habits.

Find the Right Credit Card For You | SmartAsset.com (2024)

FAQs

How do I know which credit card is right for me? ›

How to pick the right credit card for you
  1. Check your credit score.
  2. What do you want from a card?
  3. Analyze your spending.
  4. Pick the card that offers the best value.
  5. Consider rates and fees.
Aug 29, 2024

What is the #1 credit card to have? ›

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

How to find a credit card Schumer box? ›

If you're already a cardholder, the Schumer box will be a hard-to-miss table generally found on the first page of the card agreement that was mailed to you. Look for a "rates and fees" link. Look for a link that reads: "View complete list of rates and fees." Look for a "terms and conditions" link.

What is the minimum credit score for the Oppfi card? ›

You'll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn't hold you back.

How do I know which credit card will approve me? ›

You may be able to fill out a simple form found on the card issuer's website. These forms will often ask you to provide basic personal information such as name, address and last four digits of your Social Security number. Once the information is entered, you may be shown credit cards offers from the issuer.

How to choose the right credit card for your lifestyle? ›

Tips to Choose the Right Credit Card for Your Lifestyle
  1. Consider your lifestyle and spending habits. ...
  2. Check annual fees and interest. ...
  3. Pay attention to additional perks. ...
  4. Learn about the billing rules. ...
  5. Read reviews and terms and conditions. ...
  6. Consider credit limit.
Sep 4, 2024

What is the most prestigious credit card? ›

What are the most prestigious credit cards? The most prestigious credit card is the Centurion® Card from American Express, which is also known as the Amex Black Card. This card requires applicants to meet very high income and spending standards to even qualify, and you can only apply if you receive an invitation.

How many credit cards should you really have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

What is the highest possible credit score a person can have? ›

If you've ever wondered what the highest credit score you can have is, it's 850. That's at the top end of the most common FICO® and VantageScore® credit scores.

What is the lowest possible credit score a person can have? ›

Generally, credit scores range from 300 to 850, making 300 the lowest possible credit score. But it's important to note that you typically have more than one credit score.

What are 6 things credit card companies must disclose? ›

Total of payments, Payment schedule, Prepayment/late payment penalties, If applicable to the transaction: (1) Total sales cost, (2) Demand feature, (3) Security interest, (4) Insurance, (5) Required deposit, and (6) Reference to contract.

What credit score is needed for a $5000 card? ›

Maria Adams, Credit Cards Moderator

A credit score of 700 or better is typically needed for a card that offers a $5,000 credit limit.

What is minimum credit score for Capital One? ›

You need a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. Other options are also available for people with lower scores, as it is possible to get approved for Capital One credit card with limited credit history or a bad credit score.

What is the minimum credit score for a black card? ›

Regardless, you should expect to need an excellent credit score (scores of 800 and above) to qualify for a black card.

How do I know which credit card to keep? ›

How to Choose Which Credit Card to Keep
  1. Credit Limit: A key factor in selecting a credit card is its credit limit. ...
  2. Interest rate: For a lot of people, this is the first consideration. ...
  3. Annual Fee: This is pretty straightforward—if you compare cards with an annual fee vs.

How do I choose which card to use? ›

Here's a checklist of some things to look at when you choose a credit card:
  1. Annual Percentage Rate (APR). This is the cost of borrowing on the card, if you don't pay the whole balance off each month. ...
  2. minimum repayment. ...
  3. annual fee. ...
  4. charges. ...
  5. introductory interest rates. ...
  6. loyalty points or rewards. ...
  7. cash back.

How do I know which card to use? ›

Be sure to check the fees associated with your chosen card. Some cards offer cash-back rewards or other perks that come with annual fees or interest rates. Others charge an annual fee even if there are no other fees or interest rates attached to the account itself.

Does it matter which credit card I get? ›

The right credit card for you depends on a few different factors, including your credit score, your spending habits and your benefit preferences. Take your time to consider these factors and shop around to find the best fit. At Experian, one of our priorities is consumer credit and finance education.

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