As we said earlier understanding your requirements pre-empts getting the right card that matches the usage of the card holders. There are multiple agencies offering different card variants, some suited for a specific purpose while some are for general use. If you travel a lot then a card that offers special rewards and offers on travel related spending suits you, similarly for someone who shops a lot card that is specially designed for those in love of shopping could be the preferred choice. There are cards that are suited for paying utility bills online; for someone who travels abroad frequently a card that is accepted in different counties plus which charges less on international transactions is required. So be sure of you requirements, if you do not have any above mentioned specific requirements then also it is better to be clear about much you intend to use your card in a month and for what purpose.