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.

FIND BEST CREDIT CARD OFFERS

Select one of the search options below:

What is your goal? Select a goal Pay off monthly Carry a balance Balance transfer Low APR Student What type of credit do you have? Select Credit Type Excellent credit Good credit Average credit Bad credit You can choose offers specific to your state here (you must select your state and complete your search on another page). Select a State 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

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