2. Rewards or bonus points
In addition to building good credit, another reason to use a credit card is for the rewards. There are thousands of credit cards on the market today that will give you rewards like cash back, travel miles, or shopping points — just for charging money you already have to spend anyway.
Look for credit cards that offer bonus points for opening or transferring balances. Usually, you have to meet a spending threshold within a certain period of time. For example, you might have to charge $1,000 within the first three months. Once you do, though, you can take those bonus points and use them to pay down the balance (or take a vacation — it's up to you!).
3. No annual fees
Finally, if you're paying an annual fee on your current card, consider finding a new card that doesn't charge you one. Many of those credit card offers that come in the mail will waive the annual fee for the first year, or they might not charge an annual fee at all.
Weigh your options
If you need a credit card, one of those offers in the mail might actually be the best deal. But before you apply, be sure to read up on how to choose the right credit card for you. Also, you can always visit your local Synovus branch to talk with a banker about which card is best for you.