Which Credit Card Perk Is Right For You?

By: Eric Piwowar

Which Credit Card Perk Is Right For You?
Image: Adam Gault / OJO Images / Getty Images

About This Quiz

If you aren't using credit cards to your advantage for shopping, traveling, or handling debt, then you probably don't have the right card. The right card paired with a basic understanding of debt management can equal some truly amazing perks. Free stays at the biggest resorts in the world, a month of free groceries every six months, even free international trips halfway around the world are all possible just by making the same everyday purchases you already do with the right credit card.

Even if you think perks like these aren't available to you, there are plenty of credit building and debt reduction benefits that come with getting serious about your credit card options. Balance transfers aren't new, but with so many cards available, there is stiff competition to give you the best rate, and in the wake of the financial crisis of 2009, creditors are more willing than ever to work with customers who have less-than-perfect credit.

So if you’re planning on traveling in 2020 and you don’t already have a travel rewards credit card, or you've been buying groceries without getting cashback on your purchases, you seriously need to consider a new card, because there hasn't been a better time than now to apply.

Knowledge How much do you know about credit cards?
A lot
Some
Not much
Nothing at all

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Shopping What is your monthly grocery bill usually?
Under $150
$150 - $249
$250 - $500
Over $500

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Gas How much do you spend on gas each month?
Under $100
$100 - $199
$200 - $300
Over $300

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Travel When you travel, where do you go?
International
Domestic
It varies
Don't travel

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Credit Score How's your credit score?
Above Average
Average
Below Average
I'm not sure

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Shop Online How often do you shop online?
Often
Sometimes
Rarely
Never

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Cash How often do you pay with cash?
Very often
Sometimes
Rarely
Never

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Annual Fee Are you willing to pay an annual fee?
Yes
No
Maybe
Under $100

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Lines of Credit How many lines of credit do you currently have open?
More than 10
5 - 9
1 -5
None

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Balance Transfer Will you transfer a balance to your new card?
Yes
No
Maybe
I'm not sure

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You Got:

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