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Find the best credit card for you

Credit Cards » Find The Best Credit Card For You

What's the best credit card for you? That all depends on a variety of factors, including your credit score, lifestyle and spending habits. This quiz asks pertinent questions about these and other factors to help you find the best credit card for your spending habits.

How is your credit?

I don't have any credit.

My credit is bad.

My credit is fair.

My credit is good.

My credit is excellent.

If your credit is thin to nonexistent, your card options will be limited. You could qualify for a secured credit card, which requires you to put down a cash deposit to cover the line of credit.

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If your credit is bad, your focus should be on rebuilding it. Card options will be limited, but you could qualify for a secured credit card. These cards require you to put down a cash deposit to cover the line of credit, thereby minimizing the risk of running up a bill you can't pay.

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If your credit is fair, you won't qualify for the best interest rates on traditional credit cards. You should try applying for a secured card first to rebuild your credit so you can qualify for better rates on traditional products down the road.

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Are you currently a student? If so, do you have verifiable income or established credit?

Yes, I'm a student without verifiable income or established credit.

Yes, I'm a student, but have verifiable income or established credit.

No, I'm not a student.

Many issuers offer student credit cards despite a lack of verifiable income or established credit. These cards can help you build credit. Just beware of carrying a balance, as interest rates are typically higher on student cards than they are for traditional credit cards.

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Is this card for personal or business needs?

Business needs.

Personal needs.

Issuers offer cards specifically designed for business owners that offer things like year-end summaries and unlimited rewards. Look to find a business credit card that best suits your needs.

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Are you transferring a balance?

No, I'm not transferring a balance.

Yes, I am transferring a balance.

Balance transfer credit cards allow you to consolidate all of your high-interest credit card debt onto one low-rate card for a specified time period.

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Will you be using this card to make a big purchase?

Yes.

No.

If you plan on using the card to make a big purchase, look for a zero percent interest rate credit card that has an introductory period that can last up to 18 months or more. This will save you money if you aren't paying off your total balance each month.

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Do you plan to pay off your balance every month or carry a balance?

I plan to pay off the balance every month.

I plan to carry a balance.

Given that you plan to carry a balance, you may want to see if you qualify for a low-interest credit card to keep debt from accumulating quickly.

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Given that you plan to pay off your balance every month, you're a good candidate for a rewards credit card, which will let you earn points, miles or cash back on your purchases. To find out which kind of rewards card is best for you, continue on to the next question.

Are you willing to pay an annual fee for more rewards?

Yes, I will pay an annual fee.

No, I don't want to pay an annual fee.

How much do you charge annually?

Less than $2,500.

$2,500 to $5,000.

$5,000 to $10,000.

More than $10,000.

Low-volume card users should avoid an annual fee since they aren't likely to earn enough rewards off purchases to justify the extra charge. Fortunately, there are plenty of rewards cards that don't carry annual fees.

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Low-volume card users should avoid an annual fee since they aren't likely to earn enough rewards off of purchases to justify the extra charge. Fortunately, there are plenty of rewards cards that don't carry annual fees.

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As a moderate card user, an annual fee rewards card may be right for you, depending on the card's specific terms and conditions.

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As a high-volume card user, an annual fee rewards card may be right for you, depending on the card’s specific terms and conditions.

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Do you prefer points or cash back?

Points.

Cash back.

There are plenty of credit cards out there that let you earn cash back on your purchases.

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What category do you spend the most on?

Gas.

Airfare/hotel.

Household.

All of the above.

If you spend a lot on fuel, you should consider a card that earns high rewards back on that particular type of purchase.

Good luck with your new credit card! Spend responsibly!

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If you spend a lot on travel, you should consider a card that earns high rewards back on that particular type of purchase.

Good luck with your new credit card! Spend responsibly!

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If you spend a lot on household items, you might want to consider a general rewards card.

Good luck with your new credit card! Spend responsibly!

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If your spending is spread out over several categories, you might want to consider a general rewards card.

Good luck with your new credit card! Spend responsibly!

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Product Rate Change Last week
Balance Transfer Cards 15.76% --0.00 15.76%
Cash Back Cards 16.44% --0.00 16.44%
Low Interest Cards 11.04% --0.00 11.04%
 
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