Credit card companies seem to pop up out of nowhere. There are gas cards, airline cards, internet cards, small business cards, student cards, cash back cards, rewards cards, hotel cards, and the list goes on.

So how many are out there and which one is right for your?  The answer to the first question is tens of thousands. There are banks everywhere who want to give you their money (at a hefty rate of interest of course).

Making the decision of which credit card company to go with can be overwhelming. After all, you want to choose the credit card that is right for you. You would not want a Disney credit card that offers Disney perks if you have never visited Disney and do not plan to in the future.

You must first ask yourself questions about your lifestyle. Travel a lot by vehicle and gas price are high?  Try a cash back gas card. What if you travel a lot by plane? How about a sky miles card? Do you have a large family to feed? Try a card that offers a high percent cash back on groceries.  Are you a small business owner who needs a card to purchase office supplies? Try a small business card.

The possibilities are unlimited. You don’t have to pick a card that is specific to a particular area of spending in your life. Discover offers great cash back discounts on many areas such as travel, dining and retail.  But beware while carrying a Discover card. Many merchants do not accept Discover so be prepared to pay with an alternative method. Mastercard and Visa are rarely rejected at places that accept credit cards.