Three steps to picking a new credit card

Need help getting a new credit card?

If you've never applied or it's been awhile, here are three things you ought to consider:

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Determine what you need

Nerd Wallet identifies three types of credit cards: One that improves credit, saves you money on interest and one that earns rewards.

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Your family benefits with these credit cards which offer cash back and discounts on things you buy every day.

Look at your spending habits
Pick the type of card that's right for you.

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Do your research

Find a card with a low annual percentage rate or APR. Also, check to see if there are any annual fees.

Nerdwallet offers a card comparison tool, or search online to find for the best offers for you.

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