The best credit card of the year, according to recent reports, offers an annual rewards rate of at least 2% in cash back or travel rewards and has no annual fee. It’s also relatively easy to get and doesn’t have an application fee, unlike some cards that charge as much as $95 just to apply in Singapore! To help you find the best credit card for your personal needs, we’ve created this guide on how to find the best credit card available to you – and how to use it in conjunction with other credit cards you may already have.

How I found the best credit card

Money is a sensitive topic, particularly when you’re trying to find ways to save money. And credit cards can be tricky since they aren’t all created equal. For example, one of my credit cards charges me an annual fee, while another has no fees at all (though it charges an international transaction fee). The best credit card for your needs might not be what’s best for mine—and vice versa. When I was looking for a new card recently, I decided it was time to look beyond popular personal finance websites like NerdWallet and LearnVest and take matters into my own hands by searching credit cards directly on their websites as well as through information brokers. In short, there are plenty of resources out there if you know where and how to look for them!

What to consider when applying for a credit card

Not all credit cards are created equal. You need to consider a wide range of factors before making your choice. The first thing you want to do is identify your needs in terms of how often you travel, whether you’re looking for rewards or a more affordable card and so on. Once you’ve decided what matters most, search through some of your options to see which credit card best fits your lifestyle and spending habits. Once that’s done, it’s time to pick a card and apply. With an endless amount of choices, choosing one can be overwhelming at times—especially if you don’t know where or how to start.

Some general tips

Find a card that offers more than 1% cash back and make sure you can use it for all of your spending, not just one or two categories. Pick cards with valuable perks like airline miles or hotel points, or cards that offer price protection and purchase coverage. Finally, if you don’t carry a balance from month to month, choose a card that has no annual fee and no foreign transaction fees. Having said all of that: Do your homework.

The specific benefits of my credit card

I do not have a credit card but would like one. With today’s technology, there has never been a better time to travel and I want to make sure that I take advantage of all it offers. Because of that, I am currently researching and applying for my first credit card. There are so many different cards out there, with different benefits like cash back rewards or travel perks; which is best? It’s hard for me to decide which is best because these cards all seem appealing in their own way. I need help deciding which one is best for me!

Which credit card should I get?

Generally, rewards cards are your best bet. One of our favorites is American Express’s Blue Cash Preferred® Card. This card comes with a huge sign-up bonus: $200 cash back after you spend $1,000 in purchases on your new card within your first three months. If you love dining out or hitting up big-box stores, don’t forget that they often have their own cards with rewards attached—you could end up saving even more money on certain purchases.

Benefits summary

With so many credit cards on offer, it can be hard to know which one is best for you. A good card will not only get you reward points and cash back, but also have special features that could help you save money in more ways than one. It’s important to read all of a card’s terms and conditions before signing up for it—then do some comparison shopping before choosing a specific card. It may also help if you have a plan as to how you’re going to use your new credit card: what types of purchases will fit into your budget? Where and when do you think it will come in handy? If you stay organized with both these things in mind, then figuring out which credit card is best for your wallet shouldn’t be too much of a challenge.


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