Rewards: best for people who pay month to month and carry no credit card debt. You are given a reward by using the credit card | | Low Interest: best for people who carry credit card debt. Low interest enables you to pay off debt at lower rates | | Balance Transfer: meant for those with a lot of credit card debt. Allow you to shift your debt from one card to another, and you are given a period of 6-21 months to pay it off without interest. Usually a 5% balance fee applies