Choosing the Best Credit Card for You

Credit cards receive a lot of negative press; however, they can be a very useful tool. Depending on the one you choose, a credit card can provide purchase protection, rewards, cash back, and much more. So how do you decide which card is best for you?

Check your credit report. Knowing what your credit report contains will help you determine which cards may be available to you. Although every situation is unique, typically, the better your credit report means more card options and lower annual percentage rates (APRs). You can receive a free credit report once a year by visiting annualcreditreport.com.

Evaluate your needs. Determining whether you typically carry a monthly balance, use the card frequently, want to transfer a balance, or strive for great rewards will help you decide which card meets your needs.

Read the fine print. Charges and fees can be hidden in the fine print. Be sure to read everything in the offer before signing up.

Reward yourself. Different cards offer different rewards and varying reward point levels. Consider what you purchase most and compare it with the points you can earn on those purchases.

Your credit card should fit your lifestyle, so figure out what is most important for your financial situation and choose a card that allows you to reap the benefits and build a positive credit history.


With the AAA Member Rewards Visa® credit card, you can turn everyday purchases into unlimited rewards. Earn triple points on qualifying AAA purchases and travel, double points on gas, grocery, and drug store purchases, and 1 point per $1 spent on everything else – with no annual fee!

You can redeem your points for reward options such as AAA vouchers good for travel, auto repairs, and more – or even cash back and gift cards. And with the AAA online reward points converter you can calculate what rewards are available to you. See how much you can earn!

Apply online, stop by your local AAA office, or call toll-free 1-866-665-3581 today and get even more value from your AAA membership.

The article and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.