When shopping for a credit card, you may be overwhelmed by the number and variety of options available. There are bank cards, store cards, affinity cards and more all offering various interest rates, rewards, and special programs. There are different cards for every credit level and financial situation. But which is the right card for you?

Consider your credit situation
Do you have good credit? Never been late on a payment? Pat yourself on the back and apply for one of the many low-interest, premium-level (platinum or gold cards), or reward/rebate cards available to those who have earned card-issuers' trust.

Do you have less-than-perfect credit? Made a financial mistake or two in the past? You can still try for the lower-rate and premium level cards, but don't be shocked if they don't roll out the red carpet. You may qualify for some quality rewards cards, but might have to accept a higher interest rate or annual fee. Secured, unsecured and pre-paid cards may be another good option.

What if you don't even have credit yet? Still in school or just getting started financially? You may want to apply for a student card, or consider having another adult co-sign a card for you. Secured, unsecured and pre-paid cards may also be a good option for you.

Consider your spending habits
Will you be running up large bills and carrying a balance? A low-interest card is a must-have. Will you be using your card often but paying off your bill in full each month? A rewards card can be a steal when you're not paying interest! Do you have difficulty handling your credit responsibly? Aim for a card with a lower credit limit, such as a student card or secured card, which can help you learn good habits without the danger of incurring excessive debts.

Compare, compare, compare
Two cards with the same attractive interest rate can have vastly different fees and other costs. One card may offer rewards or perks that are appealing to you, while the other offers only credit. Think about other services you may need, such as cash advances or balance transfers. Some cards offer more favorable terms for these kinds of transactions than others. Cards marketed to people with less than perfect credit can also have hefty fees, which add up quickly. Make sure you choose a card that is worth what it costs you. You should also consider whether the credit limit is high enough, how widely the card is accepted, and the plan's other services and features.

Most Importantly
No matter what kind of card and plan you choose make sure you understand the terms of your credit card agreement. If there's anything you don't understand, call the card issuer for answers to your questions. Know what you're getting into!