The top 10 credit cards are heavily loaded with all the features that consumers need. Having such a wide choice of cards makes it easy to choose and get the right credit card for our individual needs. But some consumers get so overwhelmed by the choices, they end up without making any decision at all. This is the exact reason why we have created this article to give you some tips to choose and avail the best credit card.

The first thing that you should consider when looking for the best credit cards is your monthly cash flow. This will be a good indicator of how much you can easily afford to spend. So calculate your average monthly income before applying for a card and see what kind of APR you will have to pay once you apply for a card. Remember, the APR includes your interest, service fee and a certain amount which are referred to as reward points. The higher your annual salary is, the more cash you will have to spare for living expenses. Therefore, you must choose a card that has the lowest APR.

Once you have your budget, it is time to search for the reward points that will benefit you the most. You can enjoy complimentary air tickets, cash back from shopping purchases and many more. Some of the best credit cards that come with reward points include the credit card that gives you a free air ticket if you use it to make air travel bookings and hotel reservations, as well as other leisure activities when you use your card to enjoy complimentary wine meals at selected restaurants. Again, it all depends on how much you wish to earn through reward points.

However, you must remember that there is a cap on the number of reward points that you can avail. The details of the caps and the period of avail are mentioned on the respective websites of the credit card issuer. For example, some of the credit card companies may limit you to earn one reward point per calendar month or annually. There are also those that may allow you to avail of the points only once a year, while others may allow you to avail of the points whenever you wish.

Hence, it is important that you read the details carefully. You must compare the terms and conditions of different credit cards so that you will be able to avail of the best ones. You have to consider the APR, annual fee, grace period, cashback or rewards offered, and other advantages as well. For instance, if you wish to avail of cashback, you must choose the card that offers frequent cash backs. Likewise, if you want to enjoy free air travel, choose an airline that has the best customer service and friendly staff. If you wish to be able to maximize the number of reward points that you can avail, make sure you choose cards that offer the most variety.

In addition, you must always try to maximize the usage of your credit card in order to earn maximum rewards and cashback. You are also advised to always choose a credit card with the lowest interest rate. This way, you will be able to minimize the cost of the interest payment. If you will be able to do these things, you can be assured that you will receive the most benefits from using the credit card.

If you are a loyal customer of a particular credit card company, they may allow you to enjoy complimentary services and facilities. If you will be able to do so, you can always avail discounts on services such as hotels, restaurants, car rentals, airline flights, etc. You can even enjoy complimentary air flight tickets, if you will be going for a vacation tour through the preferred airline of the credit card company.

Similarly, you can also enjoy complimentary movie tickets provided by movie theater chains. These are some of the many privileges that you can get if you will avail discounts on different services and amenities offered by the credit card companies. Apart from these, if you will be using your card in foreign countries, you can enjoy complimentary hotel accommodations. If you will be using your card for travel purpose, opt for travel credit card that offers discount on air fare, hotel accommodations, cruises and so on. You can also enjoy free insurance coverage for your personal health and well-being.