Finding the right credit card that works best for you and your needs can seem overwhelming. There are almost endless options concerning rewards, interest, and credit scores. But not every type of card is going to be helpful for your specific needs. For example, if you hate to travel, a card with airline miles as the reward might not benefit you in a way that another card may.

But with a bit of research and consideration, it is easy to find a card that works well for your spending habits and financial goals. Of course, there is no one size fits all perfect credit card. And there may even be multiple types of cards that would work best for different aspects of your finances. 

Consider these factors when searching for your perfect credit card:

What kind of card matches your spending needs?

These may be the most helpful questions to consider. There are many types of credit cards, but how you will be spending money will determine what kind of card is best for you. For example, will you use this card for larger purchases and keep a balance? If so, you will want a 0% or low-interest credit card. Or will you use your card for smaller purchases and pay it off monthly? Maybe something with points or cashback on certain purchases could be right for you. Do you travel often? Are you OK paying an annual fee? Is it for emergencies only or for everyday use? These are just some things you need to ask yourself before choosing a card.

What kind of rewards are you interested in?

There are so many different types of rewards these days. Cashback and travel rewards are some of the most popular types of credit cards out there today. You can choose a card with a flat rate on cash back or tiered rewards for cashback cards. If you often travel or plan on going on an international trip, a travel reward card may be right for you. Either way, don’t forget to collect your rewards every year!

What kind of card can you qualify for?

Unfortunately, everyone does not qualify for every card. Start this process by checking your credit score. The better your credit score, the more options you will have for cards with lower interest rates and better rewards. If your credit score isn’t so great, that’s OK. You can start to build up your credit now and reassess what card you can get later. Be patient and look into getting a secured or low spending credit card in the meantime to help improve your credit score.

There are so many different types of credit cards, but finding the right one for you should be easy. Do your research and think critically about the above information. And don’t be afraid to ask your financial advisor or banker about what card they believe could be right for you.