You all know how much I love my credit cards. I am terrible with cash, so at least with the credit card, I know what I am spending. For me, its very important to be able to compare credit cards and have a
credit card rating system for yourself.  Credit Card Club makes this super easy to do.  I love a site that gives me all the credit cards that are out there so I can compare them against one another and decide what works best for me.  For example, we don’t really fly all that often, so a credit card that allows me to earn miles is pretty much worthless to me.  My favorite credit card bonus has to be cash back.  Who can’t use cash?  Another big thing for me is that the credit card cannot have an annual fee.  Why should I pay the credit card company to take my money?  If you are carry a balance, you really need to be looking at cards that have low interest rates. You really have to decide for yourself what you need for your situation.  Make a list, check it twice, and figure out which credit cards are naughty or nice.