There are so many different credit cards around. They can all be used for essentially the same things. Some have an annual fee while others don’t. Many will have perks such as cashback or gifts which you can use and others will not. The best credit card for you will be the one that fits your needs. Before you go out and try to get a card, though, make sure you know what you actually need out of it. Credit cards are a necessary evil. They are much like a mortgage. You can’t buy anything without one. But if you can’t afford the right one, you’ll only end up paying more in the long run. The best credit cards will have the lowest interest rate and no annual fee. You should also look for a card with no hidden fees. Fees can sneakily add up over time. Some banks charge their customers an application fee. When applying for a card, you’ll usually have a shorter amount of time to pay off the balance, while the regular interest rate will be the same as a mortgage. The best charge cards will pay you interest on the initial balance for the shortest amount of time. If you pay more than the minimum, you’ll save some money. The best cards will usually have a higher credit limit. You can use the extra credit for a lot of things, or just for one thing. It’s a great way to get things done on a cold winter night without worrying about the bank coming in and taking your money. The best credit card will also offer a valuable perk. You can enroll in a discount card program where you get special deals on anything you purchase with the card. These deals can be really helpful if you don’t want to pay full price. The best option is to find a credit card that fits your needs. Can you afford the card? Do you want a regular rebate? Do you want good interest rates? Can you use the card to buy things over the internet and via phone? You should make your decision based on what you want and the bank will fill in the rest of the details. Credit cards are a necessity these days. They are more like a lifestyle than anything else. You have one of these and you want more. But once you have one, you usually want more and more.