How To Choose a Credit Card for You

Choose a credit card to improve your credit score, save money, or earn rewards — but don’t get in over your head.

Hand choosing a credit card from several offered.
Choose a credit card that furthers your goals.
(Image credit: Getty Images)

It's true that credit cards can pose a financial risk, but if you choose a credit card wisely, you may get benefits otherwise unattainable to you. This is especially true if you opt for some of the best rewards credit cards. Currently, credit card debt is surging in the U.S. as consumers struggle to keep up with inflation and rising interest rates

How to choose a credit card

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Ellen Kennedy
Personal Finance Editor,

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America. 

With contributions from