There are many credit cards available online, so choosing one of them depends on a person’s financial goal: whether a credit card is required for travel, or whether the person is a jet-setter, or whether the person wants to earn cash by spending every day. Getting and choosing a credit card depends on the lifestyle and spending habits of the person.

How to go about getting a credit card online?

• Know your credit score
• Reduce your debt
• Apply for the first offer, mention your complete income, and don’t give up
• Go online and compare various credit cards based on their benefits, rewards, and interest rates

The important thing to remember is that the best cards online are those which match your lifestyle needs. Credit cards are reviewed and features such as rewards, benefits, APR and fees, 0% balance transfer, cash back, hotel, and airline mileage points are taken into account. It is necessary to know whether a business or student credit card is required. It is also essential to know the best credit cards for bad credit. When you click on the ‘Apply Now’ on a website, your application is sent to the card issuer’s official online application.

Credit card companies often offer competitive benefits to be the most preferred credit card for their customers. Last year, issuers offered 4 million card options. Ally Financial, JPMorgan Chase, U.S. Bank, and Wells Fargo released their new cash-back cards, which pay roughly 1.5%, and there are only (minor) differences between them.

There are different categories of credit cards for different types of consumers; consumers may belong to one of these groups: cash seekers, smart borrowers, reward hounds, entrepreneurs, those looking for no annual fee, etc. Before applying for the best credit card online, you need understand your spending habits, especially since there are over 2000 cards. You need to understand your needs: will you be happy with a no fuss, no annual fee single card? Or do you need multiple cards that give high returns? However, if you want a big wallet or extra hassles, carry a few cards and get more points with multiple credit cards.

You help yourself to find a better card which suits your spending and borrowing habits; most reviewers of credit cards go through every little bit of detail such as checking the features of 2,200 current cards, their fees, rates, rewards, and special perks. Some of the popular and best credit cards online for 2017 are the following:

• Chase Sapphire Preferred Card : This is the best overall credit card available.
• Discover it : This one has an 18-Month Balance Transfer Offer. It is best for balance transfers.
• Blue Cash Everyday Card from American Express : It is best for everyday cash back.
• Capital One Venture Rewards Credit Card : It is best for everyday travel rewards.
• Bank of America : It is the best of travel no-fee card.
• Starwood Preferred Guest : It is the best hotel credit card.
• Discover it : It is the best rewards matching card.
• Barclay Card Forward : It is the best cash back redemption bonus.

Issuers are very eager to get their cards in your wallet, but they look at many personal details like employment status, your ability to pay, the willingness to pay, and your FICO score. Issuers are always looking for precise numbers and cutoffs while trying to learn what the customer wants exactly. The best cards online are when the issuers/providers understand your needs by offering cash back, travel, reward points, and balance transfer facility. The best cards online have a combination of various offers such as low-interest rate, high rewards, large bonus, and so onTo be eligible for the best cards online, payment history is important.  Credit card companies keep track of payments made to other cards. The length of the cards and several cards that you hold and debt to credit ratio plays an important role in debt utilization.

Issuers do not like people using more than one-third of their total credit. Try and keep all the cards at the same level and do not max out even one card. Applicants are checked to see whether they have a record of paying the dues on time. Keep the following pointers in mind while applying for the best credit card online:

• To get faster approval for a card, set up a checking account with the same bank.
• Try to use just one-third of your credit.
• A co-signer is needed for an applicant who is under 21 and does not have an income to support a card.
• A huge debt on one card is frowned upon.
• Always pay your other bills also on time: loans, utility bills, etc, as it may also hurt your score.
• Too many credit cards can hurt your credit score; try to limit yourself to ¾.
• Try and hold a variety of credit lines such as a credit card, store card, car loan, mortgage, or installment loan to improve your credit score.
• Issuers look for credit history that is long to start building credit.