While we considered a wide range of factors, we chose the best overall credit cards based mostly on their combination of low fees; low, or at least competitive, interest rate; promotional introductory APR, if any, on purchases and balance transfers; and compelling 奖励. 然而, we also selected the best cards in select categories based on how well they addressed specific consumer needs or priorities. The best credit card may not, however, be the best one you can actually get. People with low credit scores may be able only to qualify for cards that carry higher 利率 and fewer 奖励. Those with excellent credit, on the other hand, can generally have their choice of travel and other 奖励 credit cards that provide lucrative one-time bonuses and significant ongoing 奖励 in the form of cash back, 点, or frequent flyer miles. Deciding which type of card is best for you is based on your personal credit situation, lifestyle and preferences.