It can be so easy to find yourself stuck on the wrong credit card, not getting the perks you can use, paying a crazy interest rate or getting less service than you deserve. The simple reason why this happens to people is laziness.

With so many credit card offers floating around in the media or your mailbox, how in the world is anyone supposed to know if they have the best card? To make matters even more complicated, switching cards frequently can hurt your credit rating if you keep closing cards or wind up with a wallet full of cards that don’t get treated nicely.

Rather than hope for the best when looking for a credit card that is right for you, do your homework and search for a card that makes sense. Using the handy search form below you can find cards that are highly rated or search for the lowest interest rate or introductory rates.

Make sure you’re not loaded with loser cards in your pocket. A 30 second search will either show you what you are missing or confirm you are on the right track.

Quick & Easy Smart Credit Card Tips

1. If you pay your card off in full every month, don't shop by interest rate. Instead, look for a card that offers you some perks you will actually take advantage of like free flights, free shipping or cash back.

2. If you have a balance you are going to transfer to pay off, be sure to find the lowest rate for the amount of time it will take to pay off the balance. For example, the best way to use a 12 month intro rate is to pay off the entire balance you transfer before the intro rate expires. Otherwise, you could find your balance stuck on a higher rate card.

3. If you've had some credit problems in the recent past, look for a secured or pre-paid card to use. While some want to advocate avoiding credit all together, that becomes hard to do today. Instead, find a card that best meets your needs and credit circumstances. Witha  pre-paid card you can never go into debt since your balance is equal to the amount you deposit. And a secured card that reports to the credit bureau can go a long way to rebuild a blemished credit history.

4. You can use the search form below to find cards by categories that meet your needs, search categories include: poor credit, pre-paid, rewards by type, secured cards, student cards, and more.

Card Category:	All Business Charge Foreign Poor Credit Pre-Paid Regular Reward - Airline Reward - Auto Reward - Cash Reward - Finance Reward - Gas Reward - Hotel Reward - Retail Reward - Sports Reward - Travel Reward - Other All Reward Cards Secured Student
Card Status:	All Standard Gold Platinum
Intro APR:	All 0.0% 1.9% or Less 2.9% or Less 3.9% or Less 4.9% or Less 5.9% or Less 6.9% or Less 7.9% or Less 8.9% or Less 9.9% or Less
Time Period:	All 3 Months or More 4 Months or More 5 Months of More 6 Months or More 7 Months or More 8 Months or More 9 Months or More
Intro Applied to:	Purchases Balance Transfers Cash Advances All
APR (Purch.):	All Less Than 6% Less Than 7% Less Than 8% Less Than 9% Less Than 10% Less Than 11% Less Than 12% Less Than 13% Less Than 14% Less Than 15% Less Than 16% Less Than 17% Less Than 18% Less Than 19% Less Than 20% Less Than 21% Less Than 22% Less Than 23% Less Than 24% Less Than 25%	Variable Fixed All
APR (Cash):	All Less Than 6% Less Than 7% Less Than 8% Less Than 9% Less Than 10% Less Than 11% Less Than 12% Less Than 13% Less Than 14% Less Than 15% Less Than 16% Less Than 17% Less Than 18% Less Than 19% Less Than 20% Less Than 21% Less Than 22% Less Than 23% Less Than 24% Less Than 25%	Variable Fixed All
Finance Config:	Average Daily Balance Two Cycles Average Daily Balance All
Annual Fee:	All $0 $10 or Less $20 or Less $30 or Less $40 or Less $50 or Less $60 or Less $70 or Less $80 or Less $90 or Less $100 or Less $110 or Less $120 or Less $130 or Less $140 or Less $150 or Less
Overall Rating:	All 5+ Bars 4+ Bars 3+ Bars 2+ Bars 1+ Bar
Benefit Rating:	All 5+ Bars 4+ Bars 3+ Bars 2+ Bars 1+ Bar
*Adjusted options applies to variable rate credit cards only. **Ratings are based on the CardOffers.com rating system for each credit card within the same category listed in the Credit Card Directory. It is important to note that posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals.