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LIFE GUIDANCE: CHOOSING A CREDIT CARD

Get the credit you deserve.
Girl laying on a bed preparing to type her credit card number into her laptop for an online purchase

As they say, it's in the way that you use it.

A credit card can be a valuable tool – for convenience, building a credit history and more. But with hundreds, if not thousands, of different cards to choose from, it's important to consider your usage habits and what you want it to do for you.

Low-interest rate cards

If you expect to carry a balance from month to month, a lower rate will save you money over time.

Rewards cards

Love little extras? Your spending can be rewarded with cash back, merchandise, travel perks and more – but pay off your balance, as rates are often higher.

Real life<br>adds up.<br>Get rewarded for it.

Earn points on signature-based purchases, then redeem them for rewards that match your life – from gift cards, name-brand merchandise, travel, or even directly with some of your favorite online retailers.

Start Earning with Member Rewards