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Ideal Benchmark Credit Cards

Credit cards offer exciting benefits and rich rewards, but they are useless if you start paying interest. Banks only give credit card perks because they know a certain percentage of their users will end up paying high interest that more than covers the cost of those perks. You don't want to be one of those people.

There are hundreds of credit cards on the market with many different features, so you want to pick a card that is most closely match your needs and spending habits, not just one that is popular at the moment. Think about the places where you spend money the most when choosing a credit card. The credit card market is constantly changing, so you can't just pick a card and assume it will be a good choice for the next decade.

If you applied for a credit card a few years ago, you're probably still getting a better card. If you are paying annual fees, you should be getting at least enough in value from the card to offset the costs of keeping it. A card with a 95 annual fee requires $4,750 in spending at 2% cash back each year to break even.

Foreign transaction fees, balance transfer fees, and other fees are included in the annual fee on some cards. Travel protections are made when you're traveling. Some cards will reimburse you for delays or lost luggage, even if you have to cancel your trip.

Roadside assistance or collision damage coverage can be found when you rent a car, and you can use them when you're closer to home. Purchase protections are not as common as they used to be, but some cards still offer additional insurance coverage on purchases, whether it's by extending the manufacturer's warranty, or by rebating your cost if the price drops on an item. Credit card features that include cell phone insurance are becoming more popular.