The best credit cards 2014 has to offer will depend on your particular financial needs and circumstances. This means the first thing you should do to ensure you choose the right card is establish exactly what those needs are.
If you've got a history of bad credit your options will likely be restricted to high APR credit builder cards. If you've got a good credit score you'll have more options, but you should still shop around and compare deals to find the best card for you.
First, you should assess your goals and how you'd want to use a card. Second, choose a card-type to fit those goals. Third, compare suitable cards to find the best credit card to take use into 2014 and beyond.
0% purchases credit cards
If you want a credit card to spread the cost of a large purchase, compare the best 0% APR credit cards 2014. They provide an introductory 0% period during which your spending doesn't incur interest, so the longer this period lasts, the better.
You will need to bear in mind the card's subsequent APR once that initial period ends, because if you overrun the 0% offer your remaining balance will start to accrue interest at that rate - costing you more over the long term.
Balance transfer credit cards
If you want a card to start paying off some of your debt then you should consider balance transfer and super balance transfer cards 2014.
These cards won't charge interest on borrowing added to the card when you first open it; however they tend to charge a one off fee that's a percentage of the balance transfer itself.
To get the best balance transfer credit cards 2014 you should look for a combination of long 0% period (on transfers) and low initial fee; if you are confident of paying the borrowing off in a short amount of time then you can start prioritising the cheapest transfer fee.
Reward credit cards
If you don't need a card to spread the cost of a one-off purchase or to begin repaying debt, another option is to compare the best rewards credit card 2014 can offer. You'll be able to earn benefits, discounts or straightforward cashback through regular use.
Regular travellers could benefit hugely from using the best air miles credit card 2014; the points earned can be put towards paying future air fares. For other types of reward cards, compare the points, airmiles or cashback offered by each and find out how you earn them to find the most cost effective card for you.
Whichever card you end up choosing, you won't get its full value unless you use it appropriately. That means matching the best credit cards for 2014 to your finances and typical/planned spending patterns before you apply.
Finally, make sure you're eligible for the card you apply for. Do this by checking the minimum income specified by the card company as well as any attached terms and conditions.
You could also consider getting a credit report to check your creditworthiness if you're unsure whether or not to apply.
If you keep in mind your financial needs and planned card use, you can be confident of picking the right option from the best value credit cards 2014.