If used correctly, credit cards are one of the best ways to make payments and manage your finances. You can use them for small purchases like grocery shopping and even big ones like electronics. But, with so many options for credit cards, how do you choose something that will work for you?

Capital One Quicksilver Cash Rewards Card
This is the top pick for many people because it has a simple rewards program to help you save money. You get a combination of low interest, low fees, and a high rewards-earning rate. One of the most valuable advantages of this card is that it has no charges for foreign transactions, making it a perfect option for frequent travelers.

Blue Cash Preferred® Credit Card by American Express
If you are looking for something to make your everyday purchases easier and payments seamless, this card is for you. It can be used for all your daily needs, such as travel, groceries, and gas. And you get excellent cashback too, which helps cover the nominal annual fee. If you find it hard to meet your expenses, owning a card like this may help you save.

Chase Sapphire Preferred® Credit Card
This is one of the best options for earning rewards and bonuses. Though it seems skewed towards attracting travelers, the card has some fantastic features that appeal to almost everyone. Besides a lucrative rewards program, it offers a high welcome bonus and flexible redemption options. All frequent travelers get a 1:1 transfer rate that adds up to a higher per-point value. The benefits also extend to dining and accessing streaming services during your travel.

U.S. Bank Altitude® Connect Visa Signature® Card
If you frequently travel by road or go on road trips with friends but find it hard to set aside money for gas, it is time to get a card that makes traveling more affordable. The U.S. Bank Altitude® Connect Visa Signature® card is among the best for earning high returns on your gas expenditure. It does have an annual fee, but it is waived for the first year. Each point of this card is worth one cent and gets you steep cashback at gas stations.

Citi® Double Cash Card
This card has been among the top favorites for many ever since it arrived in 2014. The reason? It offers one of the best flat-rate cashback programs. Users get cashback on purchases like groceries, gas, and even credit card payments. You can earn two percent on every purchase, and the points can be redeemed as direct deposit, a statement credit, or a check.

Discover it® Miles
This is another top credit card to get if interested in a rewards program. Discover it ® Miles has many fantastic features, but something that will catch your eye is its unlimited miles offer. You get unlimited 1.5x miles for every dollar that you spend on purchases. You also get a welcome bonus and a mile-for-mile match for all the miles earned in the first year.

While these are among the best options in the country, there is no one-size-fits-all in credit cards. You should only select one after considering your spending habits, financial goals, and budget.