There are numerous credit cards that offer cash back, reward points, air miles, hotel points, low APRs, 0% balance transfer, and other benefits. Which one is right for you? No single credit card offers the best of all these features. Some are better in some aspects, while others appeal to a different kind of customer. But here’s what you need to know about the best credit cards of this year.

These are just a few, from different categories like travel points, cash back, low APR and so on. But which one is the best for you?

Travel cards
Do you travel a lot? Look for a card that gives you a lot of travel benefits. The best cards let you collect 2x points on travel. They’re flexible about letting you transfer points to any hotel or airline loyalty program.

Cash back credit cards
Look for cards that give you good cash back offers on different purchases. Choose cards with no expiration date on rewards. Generally these cards offer rotating rewards on different categories. You can get cashback on gas station purchases for the first 3 months, groceries for the next 3 months, and so on.

Balance transfer cards
If you feel you’re paying too much of interest on your balances, look for a good 0% Balance Transfer Credit Card. Make sure that there’s no transfer charge. For instance, there can be a 3 to 5% charge to transfer balance from issuer to another. This works out to a huge amount if you carry a large balance. Ultimately, if you don’t get this, this can defeat the purpose of transferring balance. Once you find a good card, carry out the transfer within the interest free period. After that, stick to a good payment plan to clear the balance without interest.

Low APR credit cards
If you’re looking for a good low APR card, be prepared to do without reward points and cashbacks. Cards with those kind of perks come with a high interest rate. If the interest is low enough, you can also consider this for balance transfer as well. Depending on your credit score, you can get cards that charge low APR as 8.15% or 9.99%.

Decide what you want from your new credit card. Do you have a habit of carrying a large balance on your card? Choose low interest cards. Do you pay off balances on time and want to use perks offered by good credit cards even if they have a slightly higher APR? Choose cash back rewards or travel rewards.