What Credit Card Should I Get?

This is by far one of the most common questions that I get. Like most things in personal finance, there is no straightforward answer. The trick is finding something that fits your lifestyle and overall financial goals. Some people stick with a few solid staples, whereas some diversify with 4-5 cards.

🚫 RICH PEOPLE DON’T GET CARDS JUST BECAUSE THEY LOOK COOL. One common credit card mistake is signing up for something that doesn't suit your needs or spending level. Rich people don’t sign up for cards just for the status symbols— They pick based on what cards actually work for them and their lifestyle. Then return to this post to get the actual rundown of how these credit cards stack up in reality.

✅ RICH PEOPLE DO GET THE CARD THAT SUITS THEIR GOALS. The only way to successfully game the credit card system is by only spending what you can afford. Think critically about how you spend (everyday vs. travel), your income (consider annual fees & APRs), and what you want to establish (build credit vs. accrue debt).

The best credit cards will vary quite a bit by country, SOOOOO we’ve rounded up some great quizzes, lists, and explainers to help you find the right card for you!