When you compare credit cards and their features with your personal spending style, you can choose the best credit cards for your situation.

For instance, if your credit is healthy and you always pay your accounts off in full the moment you get them, them a cashback credit card could put money back in your pocket every time you use it. A cashback credit card that offers a discount on certain purchases can save you money on purchases made at your favorite stores. Other versions of a cashback credit card keep a running track of the amount that you’ve charged over the course of six months or a year, and send you a cheque for that amount periodically.

Take that cashback credit card we were just talking about. It’s a great deal if you’re buying everyday items or small purchases that you’re going to pay off before the next accounts due date. If you decide that you want a new patio set, though, and you’ll pay it off over the course of the next six months, the interest that you pay on the purchase will wipe out any benefit from the cashback feature. Instead, the best credit card for that purchase may be one that offers no ‘rewards’ program, but has an APR several points lower than your cashback credit card.