Credit card types | My Points Pro

Match your situation to a type

Most people need one type now and a different one later. Start with the row that sounds like you today.

If this sounds like you	Look at	Why
You carry a balance from month to month	Balance transfer and 0% APR	Interest costs more than any reward earns, so lower the rate first.
You pay in full and want simple money back	Cash back cards	Rewards with no travel planning and nothing to transfer.
You fly or stay in hotels a few times a year	Travel rewards cards	Points and miles stretch furthest on travel you would book anyway.
You want a card to keep for decades	No annual fee cards	An old account with no fee keeps your credit history long.
You run a business or a side business	Business credit cards	Keeps business spending separate and earns on business costs.
You have little or no credit history	Building credit	A secured or starter card builds the record other cards look for.