So we rounded up some tips to picking the best card for you.
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First, check your credit. The better your score, the better the perks.
And you don't pay for a copy of your credit score, you are entitled to a free one.
Next, determine what you need.
Nerd Wallet identifies three types of cards: ones that improve credit, save you money on interest, or earn rewards.
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Now, look at your spending habits and choose the card that's right for you, then do your research.
Look for a card with a low APR, or annual percentage rate.
Also, check for any annual fees and factor that in.
If you are truly confused, Nerd Wallet offers a card comparison tool which stacks up all of the offers.