The modern world functions on credit cards; from groceries to a new house, everything can be bought with credit. Things are likely to go a lot more smoothly when you pick a credit card that suits your needs. There are different types of credit cards — some offer cash back, while others offer miles as rewards. When you are looking for the right credit card, the first thing to consider is your requirement. Are you interested in cash backs or are you a frequent flier? Are you more inclined towards paying off your debt or improving your credit score? These questions will help you identify your prime motive for getting a credit card.

So, take a look at the 10 best credit cards of the year, and make a wise choice.

Discover it® Cash Back: The best part about owning the Discover it® Cash Back credit card is its Cashback Match™ feature through which it matches all the cash back that you have earned at the end of the first year and directly applies this amount to your account.

Chase Sapphire Preferred® Card: You can earn up to 60,000 bonus points if you spend $4,000 on purchases in the first 3 months from the account opening. This is equivalent to $750 toward travel when you redeem these points through Chase Ultimate Rewards®. Kiplinger’s Personal Finance has hailed this credit card as the “best credit card for flexible travel redemption.” There are several benefits of owning this credit card — you can earn 2x points on travel and dining at restaurants worldwide and one point per dollar spent on all other purchases. There are no foreign transaction fees, and you’ll get 1:1 point transfer towards leading airline and hotel loyalty programs.

Chase Freedom Unlimited®: This is one of the top 10 credit cards meant for consumers who seek high rewards without paying an annual fee. The rewards rates are commendable as you can earn 3% cash back on all purchases in your first year up to $20,000. After this, you get an unlimited 1.5% cash back on all the purchases you make. An added benefit for customers is the 0% APR on purchases and balance transfers for the first 15 months from account opening.

Citi Simplicity® Card: This credit card is the only one with no late fees, no penalty rate, and no annual fee. Additionally, consumers can rest assured that there won’t be any sudden hike in the fees. They offer 0% APR on purchases for 12 months from the date of account opening. After this, the variable APR will be 16.24 to 26.24 percent, based on the consumer’s creditworthiness. With this credit card, you can enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Discover it® Balance Transfer: This card has an attractive introductory offer for all customers; they will match all the cash back you have earned at the end of the first year, and this is what makes Discover it® Balance Transfer one of the 10 best credit cards of the year. Also, this amount is processed automatically, and there’s no limit to the amount matched. You can earn 5% cash back at different places each quarter like gas stations, Amazon.com, grocery stores, and restaurants. The introductory APR is 0% on purchases for the first six months, and 0% on balance transfers for 18 months. One of the major benefits of owning this credit card is that you don’t have to pay any annual fees.

BankAmericard® credit card: The BankAmericard® credit card’s latest offer includes 0% introductory APR for 15 billing cycles for purchases and for balance transfers made in the first 60 days. Once the introductory offer ends, a variable APR of 15.24-25.24% will be applicable. There’s no annual fee and no penalty APR. So, paying late won’t automatically raise your APR. Another benefit of opting for this credit card is that you can access your FICO® score for free with the online banking or mobile banking app. These slew of offers make this credit card one of the 10 best credit cards of the year.

Capital One® VentureOne® Rewards Credit Card: This credit card is perfect for consumers who are looking for a flexible, no-annual-fee card. With this credit card, you do not need to pay an annual fee, and you can also earn 10x miles on thousands of hotels, and 1.25x miles on every purchase, every day. This credit card’s welcome offer is hard to ignore, and if you are a frequent traveler, you can enjoy the best-in-class rewards program offered by Hotels.com. You can even transfer your miles to over 12 leading travel loyalty programs. Also, you can fly an airline or stay at any hotel, anytime, as there are no restrictions pertaining to choosing an airline, restaurant, or hotel. It is feasible to choose this credit card as the miles won’t expire for the life of the account, and there’s no limit to how many miles you can earn.

U.S. Bank Visa® Platinum Card: This credit card is meant for someone who currently pays high interest on debt. Though this card doesn’t offer cash back, miles, or points, it does offer the introductory APR on balance transfers for a lengthy period. In fact, the relatively low APR which starts after the introductory APR offer is over provides a further cushion in case the consumer has any remaining balance. Opting for this credit card is a sensible decision as it lets you avail of great offers from the U.S. Bank, and there’s no annual fee involved. Additionally, you can get up to $600 coverage on your cell phone against damage or theft if you use this credit card to pay your monthly telephone bill.

Discover it® Secured: This is the perfect credit card to help you build your credit history if you use it responsibly. There’s no annual fee, you can earn cash back, and it will eventually help you build your credit history with the three major credit bureaus. You need to provide a refundable security deposit open this account. After 8 months, the bank will carry out automatics reviews to see if they can transition you to an unsecured line of credit, after which you can get your deposit back. You will get 100 percent U.S.-based customer service, and you can view your FICO® credit score for free. You will also get 2 percent cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter automatically. So, it is safe to assert that these perks are what makes this credit card one of the 10 best credit cards

Discover it® Student Cash Back:  This student’s credit card will match all the cash back that you earn at the end of the first year automatically, and you don’t need to sign up separately for this offer. Additionally, there’s no limit to the amount matched. In fact, you can even earn up to 5 percent cash back at different places each quarter and earn unlimited 1 percent cash back on all other purchases automatically. The good grades rewards make this credit card the right choice for students as they get a $20 statement credit each year if their GPA is 3.0 or higher for up to the next five years. So, this is one of the 10 best credit cards for students.