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I think about credit cards all the time. As a personal finance journalist, I've written about credit card rewards for a decade now, and have more than three dozen active cards of my own.

She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio... Clint ProctorLead Editor, Credit Cards ...

Our expert, award-winning staff selects the products we cover and rigorously researches and tests our top picks. If you buy through our links, we may get a commission. Executive Editor David ...

.Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. The best travel credit cards offer more than just valuable rewards. They can help you save on ...

She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio... Jerod Morales is a deputy editor at ...

Learn more and apply. You don't need a credit history to get a starter card. In some cases, you won't need a Social Security number. But generally, you'll need: A U.S. mailing address. Income.

Some cards pay a single rate on every purchase, with no work required on your part. Others pay higher rewards in specific categories (up to 6% in some cases) and a lower rate elsewhere.

If you have poor credit, you won't be eligible for the most rewarding credit cards. Secured credit cards can help you get your credit back on track, but require a deposit to open. However ...