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Best Credit Card

What does the word best mean to you? How do you define this as it pertains to your credit card? What is the best credit card?

It doesn’t matter if you’re searching for your first credit card or looking to add another one to your wallet or purse, it’s critical that you know what you want and how to get it.

Here are five questions you can answer to help you move closer to finding the best card for your wants, needs, and financial circumstances:

1. What is your credit score?

This is the first question to answer, as your credit score and credit history will impact the offers that you qualify for.

Generally speaking, the higher your score the more offers that are available to you. So, it may make sense to focus on boosting your score before you apply for a credit card.

2. What features are most important to you?

Every credit card touts its unique features. By knowing what’s most important to you, it’s easier to gravitate toward the right offers and leave the ones that miss the spot in the rearview mirror.

For instance, you may be most interested in a credit card with advanced safety and security features. This could be the result a past run-in with someone stealing your identity.

3. How do you plan on using the credit card?

Maybe you’ll use the card for everyday purchases. Or perhaps it’s for emergency use only.

The way you plan to use your card will impact your choice.

4. Do you already have credit card debt?

If you’re already carrying credit card debt, you may find that a balance transfer offer is the best choice. This allows you to consolidate your debt, thus saving you money on future interest charges.

5. Are you okay with paying an annual fee?

This one question can quickly help you decide what to do next. If you don’t want to pay an annual fee, that’ll eliminate many offers. You can then focus on those with no annual fee.

Final Thoughts

Now that you have answered these key questions, you’ll find it easier to list a handful of credit cards that suit you.

From there, the final step is comparing the details of each one and making a confident decision.

When you choose the best card — not just any credit card — you’ll feel better about using it as often as necessary.

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