Most credit cards, including cards for authorized users, allow you to build credit. But check with the card issuer to make sure they'll report your credit habits to the 3 major credit bureaus. Cards for consumers with bad or thin credit can help with this.

A balance transfer card helps take away the sharp edges of credit card debt, although you still need to pay off the balance before the 0% intro APR offer ends.

With new credit cards being offered or revamped every month, it's worthwhile to take a look at what's in the marketplace and how you can maximize your rewards. Four in 10 Americans told us in our 2018 favorite cards survey they have never changed their favorite card, and that's a terrible idea. Instead, by updating your wallet, you can use the best card for the best situation and max out your rewards.

Some cards, such as the Amex Blue Cash Preferred, offer improved rewards year-round on such categories as gas and groceries.

For those of us who don't want to think about our shopping rewards, some travel and cashback cards reward at a flat rate for all spending.

If you plan to travel often (or even occasionally), some cards reward for worldwide travel and restaurants, such as the Chase Sapphire cards. Flat rate travel cards are also available.

Express yourself with a card that delivers miles for using your hotel or airline brand of choice.

Even if you have great credit, a credit card is a great financial choice for the consumer on the go. Imagine just grabbing your keys, driver license and credit card on the way out the door. Nothing easier, right?