Which Credit Card Perk Is Right For You?

FINANCE

By: Eric Piwowar

5 Min Quiz

How much do you know about credit cards?

Advertisement

What is your monthly grocery bill usually?

Advertisement

How much do you spend on gas each month?

Advertisement

When you travel, where do you go?

Advertisement

How's your credit score?

Advertisement

How often do you shop online?

Advertisement

How often do you pay with cash?

Advertisement

Are you willing to pay an annual fee?

Advertisement

How many lines of credit do you currently have open?

Advertisement

Will you transfer a balance to your new card?

Advertisement

Explore More Quizzes

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.

About HowStuffWorks Play

How much do you know about dinosaurs? What is an octane rating? And how do you use a proper noun? Lucky for you, HowStuffWorks Play is here to help. Our award-winning website offers reliable, easy-to-understand explanations about how the world works. From fun quizzes that bring joy to your day, to compelling photography and fascinating lists, HowStuffWorks Play offers something for everyone. Sometimes we explain how stuff works, other times, we ask you, but we’re always exploring in the name of fun! Because learning is fun, so stick with us!