Choosing credit cards can be more difficult than you think, but it requires a lot of attention to detail. After all, there are several factors that require analysis and that make a difference in everyday life.

For example, you should analyze whether it has fees and what they are. Furthermore, banks often use complicated language that makes it difficult for the general public to understand.

Likewise, it is necessary to think about the scope of the card. Do you intend to use it only for national expenses or for purchases on international websites and travel?

Other important points refer to the benefits that come with the credit card, such as points programs, discounts, promotions and insurance.

As you may have already understood, realize that you need, on the one hand, to know what you want and your needs; on the other, knowing what is available on the market and its respective rules.

So, below you can find 5 more tips on how to choose your credit card. Then, below, some card ideas according to their characteristics! Follow along.

An extremely important first precaution when looking for the best credit card options is to know the financial institutions that offer them.

They must have authorization from Banco de Portugal. Also, look for more information in online consumer forums, analyze criticism and praise for the institution.

Furthermore, find out if the conditions it offers are as good as those of other banks. To do this, use a credit simulator or comparator.

Another point that comes into play when choosing credit cards is knowing the requirements of each option available on the market.

After all, you also need to ensure that you can access the financial product. Otherwise, you will undertake an undertaking in vain.

Among the requirements are income (some cards require a minimum income), score and absence of debts on Portugal's black list. Furthermore, there are rules specific to each bank.

Fees and fees will influence how much you will have to pay to maintain your credit card. Therefore, it is important to keep an eye on them.

TAN. APR, availability commission, stamp duty and monthly maintenance fees are some of them.

Choosing credit cards for your life depends on knowing the benefits that each of them offers.

They can be various, such as points and cashback programs. Still, with miles. Or, with family or travel insurance, as well as technologies such as apps and contactless.

Last but not least, know which brand each card is and its scope. For example, while some allow use abroad, others are domestic.

To make the task of choosing credit cards easier, we have separated interesting options below according to their main characteristics!

Anyone who wants to choose between credit cards with no annual fee and save money can use the WizInk Rewards card.

It waives these fees, while offering a series of benefits to its customers. With the Visa International flag, it has the following characteristics:

Those who want to count on a points and benefits program to save money on their trips and see the world can benefit from Millennium BCP Gold.

Despite charging an annual fee, it has a series of differences. With a Visa International brand and online membership, it grants free miles and allows them to be accumulated.

See the main features of this credit card:

Do you want a card just for travel, without the hassle? Then the Activo Bank card could be the best option for you. After all, it allows you to shop all over the world, whether in person or online.

In addition, it has a Visa brand and does not charge an annual fee. It also offers a points program, cashback opportunities and access to promotions at partner establishments. Pretty complete, right?

In fact, it also has other characteristics:

When choosing the best credit cards, you also have alternatives with cashback available. However, they generally charge an annual fee.

One of them, which stands out for having several benefits, corresponds to the BPI Prémio. In fact, with the Visa International brand, it is used for domestic and foreign transactions.

Finally, see its main features and then how to request it below: