Meet locals to have sex with no credit card

“People are often surprised when they come home and open their statements,” Palmer says.

Caveat: The value of reward points isn’t fixed, says Jeff Blyskal, senior editor of Consumer Reports, so it’s hard to know the real cash value of the points you accumulate.

And the no-fee AARP Card from Chase gives 3 percent back when used at gas stations and restaurants, plus 1 percent everywhere else.

Caveats: Some cards change deal terms every few months, and you may have to “activate” specific categories online to get the cash. American Express, for example, excludes superstores and warehouse clubs from its 6 percent deal.

“There are so many options today, it can be hard to know which one is best for you,” says Matt Schulz, senior industry analyst at the rating firm Credit

To match you with a card that’s a good fit, we found the best ones for seven types of consumers.

Do you worry you’ll have to care for a relative in a distant city?

To rebuild your credit, try a secured card, Blyskal says.

One is for you to cosign for a new card for your child, which will help build his credit history—useful if he wants to rent an apartment after graduation or take out a car loan.

That’s better, Blyskal says, than just adding him to your own card as an authorized user, which won’t always help his record and would inconvenience you if his card got lost or stolen.

Consider: A secured card for students Thanks to 2009 legislation intended to limit debt among young adults, people under the age of 21 have a hard time getting a standard credit card on their own, explains Blyskal.

But the teen in your household has some alternatives.

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