What's the Deal: Choosing the right credit card

PHILADELPHIA (WPVI) -- If you get credit card offers in the mail, or see them on TV or online, choosing the right one can be overwhelming.

So we rounded up some tips to picking the best card for you.

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.

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.
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