• Getting the best credit card requires consistent financial behavior and dedication.credit cards image by Aleksandr Lobanov from Fotolia.com
  
  Acquiring a high quality credit card can improve your quality of life substantially. The best credit cards offer favorable rewards programs like cash back, airline tickets, consumer goods and special discounts at retailers. High-end luxury credit cards also offer special services at hotels, 24-hour concierge customer service and other special benefits. The best way to get an excellent credit card is to maintain a solid credit rating, pay off all credit cards on a monthly basis and to charge as many expenditures as possible to credit cards.
  
  

Credit Rating

• The top determining factor on the quality of credit cards that you can expect to qualify for is your credit rating. Your credit rating is determined by a composite of factors related to your ability to pay your bills every month. To build your credit history, you need to have some current loan or line of credit, such as a mortgage, student loan or credit card. Maintaining a positive credit history will enable you to qualify for better credit cards.
  
  

Usage

• Another crucial strategy for getting better credit cards is to charge as much as possible to your credit cards while still paying off the bill in full every month. Charge groceries, bills and personal expenditures to your credit cards. One of the fastest ways to get access to higher credit lines without taking undue amounts of risk is to use credit cards for business related expenditures. If you run a business, using your credit cards to buy advertising, inventory and services that will later return a profit is an excellent method to improve your standing with your credit card company. Just remember, pay your bill in full every month.
  
  

Comparison Shopping

• Look for credit cards that best fit your needs. If you travel often, then a credit card related to your preferred airline will get you better returns. If you enjoy shopping at a particular retail outlet, then a credit card with a program that provides rewards with that store will benefit you. If you have few preferences, then you'll get the best returns from a cash-back card. People who drive on a daily basis can reap significant returns from a credit card associated with a particular gas station company.
  
  

Limit Applications

• Applying for a new credit card has a temporary negative impact on your credit score. When you're looking to apply for certain credit cards, it's usually best to limit the number of applications that you send out in a short period of time. Only apply for the cards that you expect to use on a regular basis to increase your chances of winning approval.