I love my credit cards. I hate getting the bill though. We have taken a couple steps to help ourselves out with our credit cards though. We do a lot of research on a credit card before we even apply for it.

Why do I research my credit cards? The reason actually is quite simple. What benefits work for me may not work for you. I personally do not care what my interest rate is. We pay our bill in full every month, so I do not get charged interest. The main thing that I do care about is annual fees. I refuse to use a credit card that charges me to use it. I do like reward programs. You just have to make sure that the rewards fit your needs. We do not fly a lot, so a credit card with tickets does not do us a lot of good.

The Cooperative Bank has several credit cards to look at depending on your needs. They have 0% interest credit cards, travel rewards credit cards, and affinity credit cards (which donate to a charity when you open the account and when you charge things). These are just a couple of the different cards they have. If you are interested in a new credit cards, this may be a site to check out.