Though credit cards are a bit of a danger in hard economic times, there is no reason why you can’t have one if you are financially fit, have plenty in the bank, and you know that you can make the most of one. Having a card does make life easier as long as you know you can handle it. You have many options when getting such a card, and you should weigh them carefully. You should always consider the interest rate you are going to get first and foremost, and then you can think about things like credit cards with rewards. Think of these rewards as a bonus. When considering the credit cards with rewards that you want, understand that they are not going to be as good right now as they have been in the past.