‘Buy now and pay later’ is every company’s USP when issuing a new credit card. And it’s all good, at least when you pay your dues back on time. The real problem begins when you fail to pay back your dues and accumulate debt; the credit card company charges hefty interest rates on arrears and damages your credit score.

A debit card is a form of payment in which money gets debited immediately from one’s bank account, so they only spend the money they have. In this way, a debit card encourages disciplined management of finances. Debit cards also contribute to the growth of a cashless economy. So, if considering getting one, one can choose from some of the best debit cards, of which, many will be issued at minimal or no cost.

A gas credit card is a type of credit card issued by a gas station. An individual can not only pay for gas with this card but also enjoy certain card benefits. With the help of a gas credit card, one can also easily track their fuel expenses. In order to find the best gas credit card that offers worthwhile benefits, one must carefully compare the deals and policies offered by various gas stations.

One of the reasons why there are so many types of credits cards is that all cards are not made equal. If you can pay off the balance at the end of every month, you’ll need a card that’s different from someone who wants to carry the balance. If you use the card consistently, you may also want to pay a fee to get rewards like air transfer or shopping vouchers.

A credit card must be used properly so that you don’t have to subsequently bear unnecessary debts. Monitoring your credit card usage will also help you smartly gain some benefits and rewards in the long run. But to enjoy these advantages you must choose the best credit card. If you are looking for a credit card online, consider the following factors to make the most viable choice for yourself.

You don’t have to actually visit a bank to apply for a credit card. Need a cash back card or a travel rewards card, you can easily apply for it online. The information that you provide in the online application is verified against your credit score. Banks and credit card issuing companies have stringent requirements.

Currently, reward credit cards are one of the most talked about financial products in the market. The best part is that they are specifically tailored for purposes like travel, balance transfer, gas rewards and cashback. But having a rewards credit card also means incurring an annual fee. These can range anywhere from $25 to $2500.

There are numerous credit cards that offer cashback, reward points, air miles, hotel points, low APRs, 0% balance transfer, and other benefits. But which one is right for you? No single credit card offers the best of all these features. Some are better in some aspects, while others appeal to a different kind of customer.