1. Select the right card
When you sign for a new credit card, look at what all it offers. Go through its terms and conditions and know about the different rates, fees, and charges. You should compare different cards and then go for the best card. See your spending habits and choose a card that fits your needs and expenditure. For instance, if you are a frequent traveler, opt for a card that offers bonus airline miles and discount on hotel stays for your favorite airlines or hotels. You can pick the right one for yourself from a plethora of cash back, airline miles, reward points, and low APR credit cards.