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Part Art, Part Science, is the best credit card to find.

Credit card is not good for all people in all categories or for anyone. By understanding your options and asking the right questions, you can find the card that best suits your costs and credit position.

Follow these four steps to find the best credit card for you.

1. Check your credit
Find out which credit card you are eligible for by checking your credit score. Better your chance of getting cards with better scores, it will be better Among the ways to test your score:

Nailed wallet offers free access to credit points.
Many credit card issuers offer free FICO points to card holders.
Three major credit bureaus (Experian, Equifax and Transunion) sells credit scores.
If the number is not expected, check your credit report to determine the cause of the problem. If necessary, then you can understand how to improve your spending habits by replacing them in your reporting habits to meet the mistakes. Under federal law, you can get a free copy of your credit report from three major offices every 12 months. Get your free report on the official Federal website at

2. Decide what type of credit card you need
There are three general types of credit cards:

Cards that are limited or inaccurate can help you improve your balance.
Cards that help you save money
Cards that earn rewards
The best card for you is one with the features corresponding to your special needs. For example, if you do not travel much, the world's best travel map will not make you great.

If you want to prepare or rebuild a credit: Protect student or credit card
Student Credit Cards, Unsecured Cards For College Students, which are new to credit, are easier to qualify than other credit cards. There are secure credit cards that usually require $ 200 deposit or more. Once your account has been deposited or closed, your deposit will be refunded.

If you want to save interest: less interest, 0% APR or balance transfer card
If you are considering using your credit card in an emergency, or if you have irregular earnings and are adjusting the balance amount from time to time, you will have an initial interest rate of 0% and a card with a lower interest rate. May be a good match. Balance transfer offers can help you to pay interest-free interest rates with interest rates. Keep in mind that finding averages or bad credit can be difficult.

More: Use this flowchart to find the best low interest or zero-percent credit card.

If you want to earn a prize: awards, travel or money back
If you pay your balance every month and never take interest, the reward card is a good choice for you. These cards usually have higher APRs, but provide high sign up bonus and return points, miles, or cash for what you spend.