Choosing the Right Credit Card

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Use the Web to Take Charge of Your Credit

We use credit to make many substantial business deals, such as buying a home or car, or obtaining a loan. Other times, we simply want to use a credit card to make our daily lives a little easier. Whether you want to learn how to select the right credit card, protect yourself from identity theft, or learn how your credit score affects the loans you receive, the Web can serve as your guide to understanding, establishing, and maintaining good credit. For a Spanish-language version of the Guide, click here.

What is Credit?

The credit card industry mailed more than six billion credit card offers to households during 2005. ... read more »

Finding and Improving Your Credit Score

Your credit score can have an impact on many aspects of your financial life, perhaps none more ... read more »

Choosing the Right Credit Card

There are credit cards to suit a unique array of personal needs. Flight miles, cash-back rewards, discounts on certain purchases, and low interest rates are just some of the perks you'll find. There are several factors to consider when you're selecting a credit card, and some helpful Web sites can guide you in choosing the card that will be the best fit.

Dulcinea's Insight

  • Many credit card companies help you sort through the benefits of their various credit cards. Try to find a comparison feature on a lender's site that allows you to compare offers next to each other rather than going back and forth between pages.
  • Many major banks offer credit cards, and you will find information about the available cards at the bank's Web site. Other organizations, such as the American Kennel Club and the Aircraft Owners and Pilots Association, offer branded credit cards through major banks; your use of these cards benefits the organization financially. If you are a member of these organizations or others, you might want to check their Web sites to see if they offer such credit cards.
  • If you have poor or no credit, you might still find a card to suit your needs. The Web sites of major credit card companies generally have sections dedicated to consumers who fall into this category.

Dulcinea's Picks

For general advice about choosing a credit card ...
To find the best interest rates ...
For help comparing credit cards ...
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