How to choose a credit card
There are three things you should probably consider when looking for a new credit card.
First, how’s your credit? If you have little or bad credit, your options may be limited to secured cards or credit-building cards. If your credit is sparkling, you’ll likely have access to more options that can come with better rewards or lower APRs.
Second, how would you use your credit? Will you pay off the card on time and in full each month? If not, consider a card with low interest rates. If you’re trying to pay down existing credit card debt, a card with a 0% introductory balance transfer APR offer might be your best bet.
Third, what do you spend on? If you’re footloose, a travel credit card could help subsidize your trips. There’re also cash back cards, if you’d rather get moolah instead of miles. No matter your preference, try to match your card’s rewards to your spending habits to get the most bang for your buck.
best credit cards 2022
1. Blue Cash Preferred® Card from American Express
Annual fee：$0 intro for the first year, then $95
2. Citi Custom Cash℠ Card
3. Capital One Venture Rewards Credit Card
Rewards rate: 2x-5x
4. Wells Fargo Active Cash℠ Card
How many credit cards should I have?
Although Experian estimates that the average American has four cards, the number of credit cards you should have depends entirely on your unique situation.
Having multiple cards is fine as long as it conclusively delivers benefits that you can use (miles, cashback, perks, and so on). Just beware of burdening yourself with annual fees and hurting your credit score with excessive applications.
Read more： What credit score do I need for an Amazon credit card?
You must have a good credit score—at least 670—to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store cards, but these cards are not credit cards. The cards are used for purchases on Amazon.com but are eligible for use in Whole Foods markets.