Kiplinger.com and Bankrate.com have teamed up to bring you the cream of the credit-card crop. The links below will take you to the best offers in each category.

When searching for the best credit card, keep in mind that issuers can change a card's terms and rewards in a matter of weeks. Be sure to contact the issuer to verify the specifics.

We have highlighted the right credit cards to match your spending style, whether you pay off the balance in full every month, frequently carry a balance, or plan on carrying a balance soon:

You can choose offers specific to your state here (you must click the GO button and complete your search on another page). National Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming What is your goal? Select a goal Best deal - pay off monthly Best deal - carry a balance Best deal - cash advance Best deal - balance transfer Long grace period Low APR No annual fees Lowest intro rate What type of card do you want? Select a card Personal Cards Business Cards Credit Union Cards Rebate/Reward Cards Choose a class of card, Gold, Platinum, etc. Select the class of card Standard/classic cards All classes Gold cards Platinum/titanium cards How many cards do you want displayed? Select the number of cards 10 cards 25 cards

Next: Charge and Debit Cards

MORE: Kiplinger.com | The Basics of Money | Getting Started

TOOLS:   E-Mail Article  |  Print Article  |  Reprint Article  |  Content Licensing & Partnerships

E-MAIL ALERTS: Keep up-to-date with the latest Kiplinger has to offer

SAVE, SHARE & DISCUSS:    |   |   |   |   |    

ADD HEADLINES: