If you're in the market for a new credit card in 2022, there's. While you may be eyeing a few offers with large sign-up bonuses, there are other factors you should take into consideration.
"The best card for anyone is the one that fits their lifestyle and helps them get what they want without them having to do any more unnecessary spending," he says.is likely a better fit. Likewise, someone who spends most of their disposable income on travel probably wants to look for a card that specifically focuses on travel benefits.. "That's going to determine what kind of card you're looking for.
If you're unsure, calculate the value of the bonus — a good rule of thumb is to treat each point as one penny — and assess whether it is worth any increase in your average monthly spending you'd need to make. Here's a full breakdown of how toHaving multiple credit cards can mean juggling multiple payment dates, annual fees and rewards categories. But the most important thing, McLay says, is keeping an eye on your spending.
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