A credit card comes with many rewards if you use it wisely. When you apply for a credit card, there are various options available to you and the eligibility criteria can get very confusing to understand. You may start with the right research, compare the rates of interest, annual fees, benefits, as well as the type of card you want (travel, dining rewards, shopping, etc). Once you have decided on your purpose, you may visit a bank to find out the best credit cards that will suit your needs.

Apply online for a credit card
Major banks and credit card providers have a facility on their online portals available for their consumers. You may check your eligibility by entering your income, tax returns, and age. You may also get instant approval for your application to move forward, after which the executive will call or mail you to complete the necessary documentation. Another critical point to remember while you apply for a credit card is to not disclose your account details to anyone. Some hackers may have access to the database, and you may end up being a victim of cybercrime.

Best credit cards
After thorough research, you may still need some help to apply for the best credit cards for yourself. The top-rated options for 2018 are:

• Chase Sapphire Preferred® Card
• The Amex EveryDay® Credit Card
• Citi® Diamond Preferred® Card

However, these are general options and the best credit cards for you will depend upon your requirements and benefits you would want in a credit card. Read on to know about the best credit card offers. You can apply for these three cards with lucrative offers:

• Capital One® Venture® Rewards Credit Card
  Offer
  50,000 bonus miles on joining and $95 fee waived off for the first year.
• Discover It Cash Back
  Offer
  Get all your spent cash back by the end of the first year itself and get 5% cash back on eligible expenses thereafter.

Other options to consider for best credit card offers are Capital One® Quicksilver® Card and Chase Freedom Unlimited®.

Best credit cards with low interest
If you want to apply for a credit card with low interest, then your best options are:

• U.S Bank Visa Platinum Card
• Chase Freedom
• Citi Double Cash Card