Card perksMany credit cards, especially travel credit cards, offer a variety of perks that can add value to your cardholder experience. If a specific premium travel credit card offers benefits on brands you already use, it could make sense to choose that card even if its sign-up bonus isn’t the best around. Credit scoreCredit card issuers typically don’t disclose a minimum score requirement, but most rewards credit cards with sign-up bonuses stipulate that you need good credit. That said, your credit score is just one factor that card issuers consider when you apply for a credit card. A new credit card isn’t worth it if it threatens your financial security—no matter how good the sign-up bonus.

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Persons: Ben Luthi, Chase, you’ll, ”, Derek Flanzraich, you’re, Matthew Goldman, Hyatt, Goldman, FICO Organizations: Chase, Target, Walmart, Express, “, American, Citi, Venture, Southwest Airlines, Marriott, Hilton Locations: Chase, Ness, Europe