With the potpourri of credit cards available, do you know which one is best for you? The usual advice given is get one that suits your requirements, matches your lifestyle, and is right with your financial standing. The problem is that many fail to discuss these issues before getting a card. Hence, they end up obtaining an inappropriate plastic, they do not get to maximize its features, and some even end up spending more in terms of financial charges.

Before you compare credit cards, it is best that you address these issues first. This will allow you to make an intelligent decision within a shorter time frame.

A Card that Suits Your Requirements

If you plan to do credit card purchases but will be settling the charged amount within the cut-off period, then the APR does not really matter. Go for plastics that have no annual fees and other charges instead. If you will be using your card to buy high value items, a high credit limit is in order.

If you have an outstanding balance with an existing card and you want to transfer the amount to a new card to avail of better terms, then go for plastics offering 0% or low APR for balance transfers. The exact package will depend on your plan to settle your credit card debt.

A Card that Matches Your Lifestyle

If you travel often, opt for cards that are convenient to use and are widely accepted in your usual places of destination. Frequent flyer miles are given as perks by some card issuers, and this may be something that you can take advantage of.

If you have a car, a gasoline credit card may be useful. This is especially so if you load up on gas often. If you enjoy getting items free-of-charge, then you may go for plastics offering point rewards. These points can be used in exchange for items being offered by the issuer.

But if you are not interested in any of these, then a card offering cash rebate may be most fitting.

A Card to Match Your Financial Standing

When you compare credit cards, there is no point in considering those that you are not qualified for. There are offers that apply only to those with excellent credit, and unless you have a high FICO score it is best to expunge them from your list.

Admittedly, the more favorable terms will be available only to those with sterling credit. This is a fact of life, which you should accept. Those with poor and no credit are high risk borrowers and are treated so. Hence higher APR's, lower credit limits, and less favorable terms are applied.

Choosing the Right Card

After you have addressed the issues mentioned, you can now go ahead and choose a card. Given the number of players in the credit card market a number of alternatives. But if you have done your homework, coming up with a shortlist will not be difficult.

When in the market for a card, it is advised that you look up the options in the internet. There are sites that offer a wealth of information on a variety of credit card types, as well as tips in choosing the right card. Oftentimes, these sites have sections on particular credit card offers like low interest credit cards and balance transfer cards.  Since you already have a preference about the offer, you can go directly to the proper section and choose among the cards in that category.

Many of these sites have a facility for online application as well.  So after you have chosen the most suitable card for you purpose, you can go right ahead and apply for it.

Choosing the right card requires that you do an in search to decide what you really need. This is a necessary first step when deciding on a credit card.