By Adam Jusko, ProudMoney.com, adam@proudmoney.com

When people find out I write about credit cards (and make videos about credit cards), they always ask, “What’s the best credit card?” And I always say (of course), “That depends.” There is no “best” credit card that fits every single person. However, there is a way to help you figure out which credit card will be best for you.

Who are you?

First you need to discover who you are as a credit card user. Specifically, how do you answer these questions:

• How is your credit history?
• Do you carry a balance on your credit cards?
• How much do you spend with your credit cards?
• What rewards fit your preferences and your lifestyle?

These questions are almost like a decision tree. Going from top to bottom in that list, the way you answer each question will tell you either what type of card to get or whether you should move on to the other questions. Let’s take them one by one and you’ll see what I mean.