Tip 1 - Check for deals

One of the best ways to find the best credit card is to search the Internet. A couple of trustworthy sites are CardRatings and FatWallet. Both of these sites review cards, telling which ones are good and which ones you should avoid. These sites often have coupons that you use to get special rates.

Another great Internet site with up-to-date information on credit cards and sensible credit card advice is the Credit Card Whizkid.

Tip 2 - Check for affinity cards

An affinity card is a branded credit card, company-issued by a bank and the organization whose logo appears on the card. If you have a VISA or MasterCard with a logo on it, you have an affinity card. Many employers offer their employees discounts with a company-sponsored affinity card.

Tip 3 - Specialty rewards cards

Costco and Starwood Hotels are two examples of specialty rewards cards. If you are a Costco shopper and you pay off your balance in full each month, you get cash back. Many businesses have offers like these where you get credit card rewards for using their card.

Tip 4 - Credit union cards

Members own their own credit union cards. This is why you can often get good cards and rates. Check the local credit unions in your area and see if you qualify for one of their credit cards.

Tip 5 - Association cards

If you belong to any type of association, for example the NEA, get credit cards with lower rates. The NEA offers a 6.24 interest rate and 0% on balance transfers.

Tip 6 - Use credit cards that fit your needs

The best credit card for you is one that meets your needs. If you need to switch credit cards for a lower interest rate, choose a card that has a low rate and 0% transfer rate. Some of these are the American Express Clear, PenFed Visa Platinum, and People's United Bank MasterCard.

If you carry a balance on your credit card every month, you need a low interest rate. Iberiabank VISA Classis starts with an interest rate of 8.75% and Simmons First VISA Platinmum has a 7.25%.

Finding the best credit card for you involves shopping around and finding a card that meets your needs. Follow these tips and start saving on your credit cards today.