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If you are just applying for your first credit card or are simply looking for a new credit card to add to the fold, one thing is for sure... you most likely want to find the best credit card possible.

So, what is the best credit card available today?

Unfortunately, I can't answer that question for you. There are many different types of credit cards and like the shoes and clothes you wear, this isn't a case of 'one size fits all'.

What you really need to determine before trying to find the best credit card, is what things are important to you? Do you plan on carrying a high balance month to month? Will you be paying off your credit card balance in full at the end of each billing period? Would you like to earn travel rewards or shopping credits? How about gas points?

As you can see, there are many different reasons to get a credit card and knowing what you want out of your credit card is very important.

Some other factors that you should really take into consideration when applying for a credit card are things like annual fees, minimum payment requirements, and grace periods offered. Take all of these things into account when you're making a decision on which credit card to apply for.

Hopefully this short article has given you some helpful food for thought on how to find the best credit card for your individual situation and needs. Remember, there isn't one particular card that is best for everyone so it's vital that you really narrow down what is important to you in a credit card and find the cards that offer the most benefits in that category. Best of luck in your search for the perfect credit card, and remember to be responsible with that new plastic!