There are several things to consider when choosing the right credit card for your lifestyle here are some of them:

Monthly Fees

Your monthly payment terms are not the only fees you should consider. You also need to look at balance transfer fees, cash advance fees and of course, annual membership fees (or "annual fees"). Some cards waive these types of charges for the first year or two but others don't. If you're thinking about transferring a balance from another card, make sure that your new card's balance transfer fee doesn't exceed your existing rate on the other card. 

Also, keep in mind that some credit cards come with higher than normal penalty rates so if you find yourself unable to pay on time, it may cost you more than usual to get back into good standing on your account. Look for cards that have low or no penalty interest rates so your rates don't skyrocket if you happen to overdraw your account due to a late payment.

Credit Score

Your credit score is an important factor when choosing a card and the best cards usually require good or excellent credit scores. If you have a less-than-perfect credit score, it's best to look into secured or prepaid cards that may be more appropriate for your situation. Annual fees on secured and prepaid cards are usually much lower as well which makes them great options for those with bad or no credit looking to build up their score. 

Income Level

Believe it or not, there are people out there with "too much" disposable income. Having too much money can make it difficult to choose a reward program that fits into your monthly budget. If you find yourself with too much free time on your hands and not enough time to enjoy the benefits of a cash-back program, you may want to look into using a points-based reward program instead.

Points-based reward programs such as those offered by credit cards like Capital One 360 can be very useful for people who maintain high balances in their accounts because they don't have to pay interest charges every month. 

You can use points or other extra rewards that come with having a card like this to treat yourself once in a while without worrying about how long it's going to take you to earn enough points. Just remember that if you're carrying a balance from month to month or transferring balances, you'll incur interest charges so make sure your points will be worth more to you than the interest rate on your card.

Budgeting

It can be difficult to stick to a budget if you have an unlimited amount of credit available to you at all times. If you know that spending beyond your means is going to lead to dire financial consequences, it's best not to use an unrestricted card that allows you access to funds in your account without having them actually transfer from your checking account. 

Instead, choose a card that requires manual approval before making larger transactions or think about signing up for a cash-back program with restrictions on where and when purchases can be made. You may miss out on some great deals by doing this but if you don't have the self-control needed for managing large amounts of credit, it may be a good idea to limit your access.

Lastly, don't fall into the "lowest interest" trap. Any promise of a low rate is usually just a promotional offer that's put out by the card issuer which means that you'll have to play by their rules if you ever want to get back into a lower interest rate. 

This can include making multiple payments per month or transferring balances from other cards and losing rewards programs in the process. If you're not careful, you could end up paying for this "low interest" card with high-interest charges and hidden fees so make sure you understand all the terms and conditions before signing up for any promotional offers that seem too great to be true.

Conclusion

This article is aimed at people who are looking for the best credit card options to choose from. It outlines how to take advantage of offers and rewards programs that come with credit cards in order to maximize benefits and minimize costs. 

Having a travel-based credit card will be beneficial if you like booking your own flights and hotels instead of going through large companies like Expedia or Travelocity, but having a cash back program will be more useful if you're someone who likes to go out to eat or has a lot of monthly bills like rent, phone, internet, etc. 

It's important when choosing an appropriate rewards program that you factor in your income level, spending habits, and any other financial commitments/obligations when deciding which reward program works best for you.