There are hundreds of credit cards available from many different credit card companies, each with its own advantages and disadvantages. For instance, you might find a card with a strong balance transfer offer but no rewards, while the best travel cards typically incur annual fees. Rather than focus on the best credit card company, the key is to understand your individual needs and what cards you can qualify for based on your credit profile. Once you know those, you can then pick the best credit card that meets those requirements.