Getting geared up for shopping for the festivals? Obviously, like other times you must be thinking of swiping you credit card for your purchases. But just wait! Do you own the card that is most suitable for you? Just check!

You might want different kinds of benefits for shopping from your credit card companies. But all credit card companies don’t offer the same benefits. So, firstly, find your shopper personality and then take the card that best suits your personality:

Shopper 1

I don’t clear off my credit dues every month, maintain an average credit score, and also pay up late once in a while.

The cards that you could opt for:

• US Bank Skypass Visa Secured at an annual fee of $50 and 16.99 % APR
• Wells Fargo Secured Visa Card at an annual fee of $18 and 19.99 % APR
• US Bank Visa Platinum Credit Card at an annual fee of $40 at 9.99 % APR

Shopper 2

I am very punctual in paying up my bills every month, maintain a good credit score and want my credit card company to reward me with some good perks—hmmm, how about a trip to Alaska ?

The cards that are best for you are:

• American Express Jet Blue at an annual fee of $40 at 15.24 percent APR. You can earn points which you can redeem the way you want to. There is no limit on the number of points you earn.
• CitiVisa Forward Card at a $ 0 annual fee and 15.24 % APR. The points that you earn out here are greater than those for JetBlue. There is a limit on the number of points you can earn.
• Bank of America Airlines Visa Signature at an annual fee of $75 and 12.74 % APR. This has got some very attractive sign up bonuses and attractive earning options. There is absolutely no limit on your earnings.

Shopper 3

I religiously pay up my bills every month. I maintain a very good credit score. But please, I don’t want my credit card company to reward me with those heaps of offers like movie discounts or a free trip to a favorite holiday destination. In this recession recovery period nothing more than a cash reward will please me.

The cards that you could choose from are:

• Pentagon Federal Credit Union Visa Platinum Cash Back Rewards at $0 annual fee with good percentage returns
• Bank of American Cash Rewards Visa Signature Card at 0% annual fee at 12.99% APR. Here too you have attractive cash back rewards
• Chase Freedom Card at 0% annual fee and with attractive cash back awards.

You could always refer to the infographic from Billshrink for more details on the percentages of the rewards that you get by using any of these credit cards. There are also some great tips on using your credit cards for holiday shopping.

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• You: 5, Credit Card Company: 0