The Best Consumer Credit Cards: Find One That Fits Your Needs

There are six billion credit card offers sent to Americans each year. It's almost impossible out of the dozens that one receives each year to pick out the best one. It becomes even more complicated, because the best consumer credit card isn't the same for every single person. Some of us want high rewards, others want low interest rates, some want airline miles, others want cash back. We've decided to take a look around, do a lot of research, and figure out what might be the best credit card for your situation.

If You Always Pay in Full - When you always pay in full, you don't have to worry about interest rates too much. You're already doing better than most everyone in the credit card game. In this case, you'll probably want to find a card with no annual fee and one that offers a longer grace period to pay, so that you never pay a dime of interest. The American Express Clear card offers a full one-month grace period, a 12.99% APR, no annual fee, and you'll get $25.00 after you've spent $2500 on it automatically.

If You Love To Travel - Airline miles became one of the very first types of rewards programs available for credit cards. Since then they've faded back for cash back and other rewards. You'll want to find a credit card that allows you to collect airline miles and use them on any number of airlines. Citi's Premier Pass MasterCard allows you to earn one point per dollar and earn one point for every three miles flown by anyone who's tickets were purchased on the car. You'll need $25,000 points to collect a free ticket, but with Citi's Premier Pass MasterCard you'll never hit a ticket price cap.