Do you have the right credit card?

By Dave Siff

updated 3:36 PM EDT, Fri October 05, 2012

NEED TO KNOW

Consumer Reports ranks the best rewards cards
A credit card should fit your spending patterns
HLN Money Expert Clark Howard tells you how to figure it out

Credit card delinquencies are at an 11-year low, indicating Americans are handling their finances more responsibly.

But while more people may be paying their credit card bills on time, do they have the right card?

In its November issue, Consumer Reports ranks the best cash-back rewards cards. These cards offer varying amounts of money back in your pocket on groceries, gas and other purchases.

But not all rewards cards are created equal, and the right one for you depends on a number of factors.

HLN Money Expert Clark Howard has the rankings, plus advice on how to decide if a cash-back card is for you. Check it out here.

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