With credit cards are becoming popular again and creditors loosening their standards a little bit, you are probably seeing more credit card offers in your mailbox. Instead, choose from credit card offers straight from the issuer. Choose a Rewards Program You Will UseMany credit card issuers try to lure you in with the promise of a rewards program. When possible, choose a credit card with a lower interest rate. Credit card issuers include information on the complete terms and conditions, and you can also usually find the information online.