content: Visa, Mastercard, sometimes American Express and Discover. Pay your card off each month and they get no interest from you and you keep the money in your account for a bit longer meaning your average daily interest from the bank at the end of the month will get you and extra 1/10 of a cent, plus you can choose one that gets you points for gift cards to use on things (I used to use one that let me use the points to pay part of the bill they sent) you already buy effectively meaning you get interest on money you spent through them twice. do not get one with any fees, that would be dumb there are many without them out there. Are the credit card companies perfect nope, but you can take advantage of them if you are responsible.