The right credit card can help you improve your financial affairs by building credit, collecting rewards, and saving money. However, owing to an influx of credit cards available on the market, finding the best credit card to suit your needs could be an ordeal. Regardless, we are here to make this task a walk in the park for you.

We recommend asking these questions while you’re searching for the right credit card for you:

• What is your credit score? Because approvals are mainly made based on one’s credit score and income, you must first check your credit when choosing a credit card. Generally, the higher your credit, the better are your chances to get lucrative benefits/rewards.
• Do you tend to carry an amount on your Credit Card? If that’s the case, a low interest or zero interest credit card with no rewards is a better option than one with rewards. If you don’t make payments, you can lose any points/miles/cashback you receive to interest.
• Are you presently carrying high-interest credit card debt? If yes, go for a balance transfer credit card with a lengthy no introductory annual percentage rate window or a card with a waived balance transfer fee.
• Do you want to earn cashback? Cashback cards can usually be easily leveraged, especially when it’s time for redemption. However, credit cards that provide points or miles can prove to be very profitable.
• Do you want a sign-up bonus? Sign-up bonus offers allow you to get bonus rewards in your first year after spending a certain amount of money in a given period (usually within the first ninety days from account opening).

The best credit card for you will vary according to your budget, financial objectives, spending habits, and credit rating. We have narrowed down five secured credit cards that could prove to be the perfect fit for you. These cards offer a combination of good rewards, extensive promotional annual percentage rates on acquisitions or balance transfers, bountiful welcome offers, and significant favorable terms and conditions.