Three steps to picking a new credit card

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Follow these tips to pick the right credit card for your needs

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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If you like to travel, these recommended programs and cards can take you places.

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.

VIDEO: What are the best credit cards for families?
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Your family wins with these credit cards offering 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.

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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Patricia Lopez discusses what you need to know about your bad credit and how to get rid of it on your own

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