Getting the best credit cards: Your six-step plan

This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.

Having the right credit card can help build your credit history and the wrong one could land you in some serious debt.

So before you apply, Scott Gamm,founder of , shares his strategies to find the best card for you.

Here’s a crib sheet, watch the video for key information.

1. Don’t confuse credit cards with prepaid cards

2. Don’t pay attention to the fancy offers

3. Look for unique perks

4.  Tailor rewards points to your lifestyle

5. No annual fee, period.

6. Spread out your credit card applications