While selecting credit card, you should not focus only on the interest rates. Lynnette Khalfani-Cox, author of "Perfect Credit" and founder of the free financial advice blog "Ask the Money Coach" says that most people look at the interest rates while choosing a credit card. But you should think beyond that. The main focus should lie on the usability of the credit card. While selecting a suitable credit card, one should be clear about the following: Do you have to pay the balance at once or on monthly basis? Does the credit card fit your lifestyle? Does it fulfill all your requirements?
If you're a college grad, you need to spend wisely. You should think about the long term effects so that the debts on credit cards don't pile up. Some options are Orchard Bank Classic Mastercard, SONY card from Capital One and CITI Forward card.
For newlyweds, good option could be Discover More card.Capitol One Venture Rewards Card or investment related card Fidelity Retirement Rewards Card from American Express can be a good choice for retirees.