Well, I don’t know about you, but I quite often feel overwhelmed with the number of credit cards out there.  I get offers in my email box, in my real life mail box, and even get phone calls.  It is really hard to find out the facts and have some sort of basis to make a comparison.

I mean, all I want is the best credit card, right?  It should be that simple, but each one of us is different: spending and repayment habits vary person to person.

A good example of a card that would be good for someone that carries a balance would be a 0% credit card.  Usually the no-interest offer is limited for the first six months, but that may allow you to significantly reduce the balance on your cards.

For those of you that spend a lot and plan to pay off your card each month, a cash back credit card may be better for you.  These cards actually pay you to spend your money (some as high as 4% cash back) at the trade off of either fees or a higher monthly interest rate.  If you do pay off your balance, you can think of the card giving you a discount wherever you shop.

So, if you are in the market for a credit card, you have a lot of choices.  Pick a card that matches your spending and repayment habits, and you will have a pleasurable experience.