Credit Cards: How do you choose?

Choosing the right credit card is a science — one we’re all trying to master so we can get the best returns for the way we live our lives.

Remember that what’s best for someone else may not be best for you (cue miss independent). But before you start googling or reading that credit card junkmail, ask yourself these 4 simple questions to narrow down your search.

  • What’s your credit? This may determine which cards you’re eligible for.

  • Do you want annual fee or no fee? An annual fee card could come along with higher rewards.

  • Will you carry over a balance each month? You’ll want to pay attention to the APR (annual percentage rate) on the card.

  • What type of rewards do you want (cash, travel)? This one’s simple - think about your lifestyle and if you would prefer travel points, or cash back.


Here at UniFi, we love quizzes — so to better help you determine the answers for the questions above, we suggest taking this one.

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