So, you want a credit card. Have you ever asked yourself, why? Knowing the answer to this question will determine the kind of credit card you should get.

For instance, are you looking to earn rewards? If so, you should look for credit cards that offer great reward points.

Do you need extra money? If you’re looking to get a credit card because you need to borrow money, you want to find a credit card that has the lowest interest rate possible for you.

Are you trying to rebuild credit? The best kind of credit card to get in these situation is the one that is designed to build credit, such as secured credit cards.