Things You’ll Need:
Internet Access
Credit Cards
Computers
Step 1:
Get on the Internet and check out credit card Web sites such as CardWeb.com or Bankrate.com, where you'll find information about credit cards and rates.

Step 2:
Evaluate each card that offers an interest rate you can accept, as well as perks you want.

Step 3:
Know that the deals may change weekly or even daily. If you see a deal you can't pass up, apply immediately.

Step 4:
Hunt for a card that offers travel benefits such as frequent flier miles or discounts on travel services.

Step 5:
Check out cards that offer free insurance benefits. Some provide $1,000 or more of accidental death and dismemberment insurance. Others offer coverage of rental car accidents and lost luggage.

Step 6:
Evaluate cards offered by Internet service providers. Some will pay your monthly ISP subscription charges if you make big purchases on the card.

Step 7:
Look for cards that offer bonus points. The points can be exchanged for discounts or freebies at restaurants, department stores and bookstores.