Deciding which credit card to get
Which credit card is right for you primarily depends on how you plan to use it. Most people use credit cards as a convenient alternative to cash or checks, to make big purchases, or to travel. Depending on how you'll use your credit card, consider these points when shopping for the best value.
| If you're a | If you're a | If you're a |
| convenience shopper | big spender | frequent traveler |
| You'll use your card instead of cash or checks for all your routine purchases (e.g., at the grocery store, the gas station, the pharmacy, the video store). You'll generally pay off the entire balance each month. | You'll use your card either to make many purchases all at once (e.g., holiday shopping) or to make a large purchase sooner than you otherwise could (e.g., a new refrigerator when it's on sale). You'll generally stretch out your payments. | You'll use your card for frequent business or pleasure trips. You want a card that's accepted all over the world, and you'd prefer an issuer who offers travel-related services |
| What to look for | What to look for | What to look for |
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