1. Check your credit Find out what credit card offers you might be eligible for by checking your credit score. The better your score, the greater your chance of being approved for cards with better perks. Among ways to check your score: NerdWallet offers free access to credit scores. Many credit card issuers give cardholders free FICO scores. The three major credit bureaus (Experian, Equifax and TransUnion) sell credit scores.

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  1. Identify which type of credit card you need There are three general types of credit cards: Cards that help you improve your credit when it's limited or damaged. Cards that save you money on interest. Cards that earn rewards. The best card for you is one with features designed to meet your specific needs. If you don't travel much, for example, then the best travel card in the world isn't going to do you a lot of good.

  2. Narrow your choices by asking the right questions Visit NerdWallet’s credit card comparison tool and search for the type of credit card you're looking for, filtering results according to your credit score and monthly spending. As you go through the top picks, consider these questions.

  3. Apply for the card that offers you the highest overall value Narrowing your choices is the easy part, but deciding between two or three similar cards can be quite difficult.

Click here to get more information about best visa or mastercards.

If you've already found a clear winner after Step 3, go with that one. If not, it’s time for a tiebreaker round. Look closely for differences. All other values being equal, here are some factors that might set a card apart:

For student and secured cards: Credit limit automatically increases. Certain cards let you increase your limit after a few consecutive on-time payments.

Interest paid on your deposit. Some secured cards place your security deposit in an interest-earning CD. This way, you can earn a small amount of money on it.

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