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But be warned: Credit card rewards and special offers can change “at the drop of a hat,” says Kimberly Palmer, credit card expert at Nerd, which conducts card research. You use plastic for daily needs like gas and groceries.

Consider: A cash-back deal Cash-back credit cards give rebates on purchases—typically 1 to 5 percent of the purchase price.

One is for you to cosign for a new card for your child, which will help build his credit history—useful if he wants to rent an apartment after graduation or take out a car loan.

That’s better, Blyskal says, than just adding him to your own card as an authorized user, which won’t always help his record and would inconvenience you if his card got lost or stolen.

And while you might not want to deal with points or rewards, “a simple cash-back card could be worthwhile,” he says.

If you do have to spend a chunk of money suddenly, you might as well get some money back.

Consider: A card with great rewards and few restrictions Similar to a frequent-flier program, a rewards credit card gives you points that you can redeem for free plane tickets, lodging or upgrades.

Some cards offer better deals for specific categories, such as dining or gas; others have a single cash-back rate for everything you buy.

And the no-fee AARP Card from Chase gives 3 percent back when used at gas stations and restaurants, plus 1 percent everywhere else.

Caveats: Some cards change deal terms every few months, and you may have to “activate” specific categories online to get the cash. American Express, for example, excludes superstores and warehouse clubs from its 6 percent deal.

“There are so many options today, it can be hard to know which one is best for you,” says Matt Schulz, senior industry analyst at the rating firm Credit

To match you with a card that’s a good fit, we found the best ones for seven types of consumers.

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  1. -This group is for anyone single born of the Baby Boom generation (give or take a few years) who would appreciate a dignified way to meet other singles through personal introductions and safe social gatherings.