 TITLE: What to Consider When Choosing a New Credit Card CONTENT: 2\\. How You Plan to Use the Card\n--------------------------------\nYou'll also want to consider how you plan on using your new credit card.\nFor example, if you're going to use one card for everyday spending, a flat-rate rewards card might make the most sense. If you're willing to put in a little bit of work to make sure you're maximizing your rewards, you could try to get several rewards cards that offer complementary bonus categories. For example, you could get a grocery card for your grocery runs, a travel card for when you're getting away and a flat-rate rewards card for everything else.\nIf you plan on only using the card during emergencies, you might look for a card with a high credit limit, low interest rate and no annual fee.\nOr perhaps you have a specific upcoming purchase in mind or want to consolidate and pay down debt. A card with an introductory 0% annual percentage rate (APR) offer on purchases or balance transfers might make sense. END