What determines the best credit cards available? Is it the interest rate? An impressive array of merchandise and travel rewards? The lure of cash back? A large part of what determines the best credit card is you: your needs, your habits, and your credit history. These all can determine which type of card you should have, and which is the best credit card offer for you within that category. Looking at some examples of how different types of credit cards stack up will illustrate how you can compare the best credit cards.