Finding the Right Credit Card

Choose a credit card with an annual interest rate and fees that fit your life, and the rewards and benefits that match your interests. Let us help you find the credit card that is right for you.

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Expand Find the right credit card for you - what are your credit card needs?

Think about these questions to find a credit card that best fits both your wallet and lifestyle:

  • Need a credit card for emergencies? Try one with no annual fee

    Annual fee

    A fee that is automatically charged once a year for having the credit card account.

    and the best credit limit

    Credit limit

    The maximum amount that can be charged to your credit card account.

    options for you to cover unexpected expenses.
  • Want to travel? Many rewards credit cards let you earn points towards airfare, hotel stays, cruises or vacations, as well as offer complimentary travel insurance and other travel-related perks.
  • Plan to use your credit card for everyday purchases? Consider a rewards credit card that gives you points toward cash back, merchandise or other benefits whenever you use the credit card for eligible purchases. Your rewards can really add up.
  • Have a cause to support? Some credit cards will donate to organizations on your behalf, like a favorite non-profit group.
  • Need to consolidate debt? Choose a credit card with an standard annual interest rate

    Interest rate

    The annual rate charged for borrowing money expressed as a percentage of the total amount borrowed.

    that is lower than the standard annual interest rate on your existing credit card rate so you can potentially pay your debt off faster.
  • Plan to pay off your balance


    The total amount owed on a credit card account at a given time.

    each month? The standard interest rate on a credit card may be less important than the rewards and benefits.
  • Expect to carry a balance? Shop around for a low standard annual interest rate

    Annual interest rate

    The annual rate charged for borrowing money expressed as a percentage of the total amount borrowed.

    , not just a promotional annual interest rate

    Promotional annual interest rate

    An interest rate that is charged on certain transactions for a limited period of time.

  • Looking for deals? See if your favorite store has a credit card for loyal shoppers or check out credit cards that offer shopping discounts.
Expand Explore a variety of credit card types to find a good match for you

Review the various types of credit cards to determine which best fits your needs:

  • Private label credit cards, such as department store credit cards, can usually be used only at specific merchants.
  • Certain credit cards may have fewer benefits than other credit cards.
  • Premium credit cards, such as the CHOICE REWARDS® World Elite® Mastercard® credit card, usually have extra features, including product warranties, purchase protection, travel insurance and emergency services.
  • Rewards credit cards offer the ability to earn reward points when the credit card is used for eligible purchases. Rewards vary but can include cash, travel, merchandise or shopping discounts. Some credit cards even let you choose from a range of different rewards.
Expand Review the benefits of each credit card to find one that fits your needs

When credit cards have similar standard annual interest rates and fees, benefits can be the tie-breaker. Look for features that make a particular offer stand out. Some of these benefits include:

  • Rewards—these can include travel, cash back, merchandise offers or the flexibility to choose among different types of rewards.
  • Security—zero fraud liability for unauthorized purchases and purchase protection are two key perks that can give you peace of mind when you shop with your credit card.
  • Online banking—online access to your credit card account can be a real time saver.
  • Loyalty—while private label credit cards can only be used at the sponsoring store or chain, they sometimes offer great value in discounts if you shop there frequently.
  • Other perks—concierge services, travel assistance, cardholder discounts and other perks can add convenience, flexibility and value.
Expand Compare credit card annual interest rates and fees

Be sure to review the credit card terms and conditions carefully before you apply. Key information about annual interest rates and fees is required by law to be displayed in a box or chart for easy comparison, as well as details of important benefits. Information you need to know includes -

  • Annual interest rate (AIR) for purchases and other types of transactions
  • Fees, including annual fees

    Annual fee

    A fee that is automatically charged once a year for having the credit card account.

    , over-limit fees

    Over-limit fees

    A fee that is charged whenever a balance goes over the credit limit for any reason.

    and transaction fees

    Transaction fees

    A fee that may be charged for making certain types of transactions with your credit card account. For example, a transaction fee is often charged when you take a cash advance with your credit card account.

  • Rewards program details
  • Security features, like fraud protection
Expand Evaluate your current credit card

If you already carry a credit card and you are not sure what the terms are, now is a good time to find out.

Check out your credit card account agreement. It will set out the terms and conditions for the use of your credit card account including the annual interest rate and fees associated with your credit card account. If you do not have a copy of your credit card account agreement, visit the credit card issuer's website or call their customer service department to get the information. You will need it to compare your credit card to other credit card products.

Once you compare credit cards, it will be easier to find a credit card that is right for you.