Credit Card Selection Guide
How to choose the right credit card: cash back, miles, points comparison
最後更新：2026-02-10
Credit card offers are subject to change by issuing banks. Please verify current terms.
目錄
1. Credit Card Types
-
Cash Back Cards
Earn percentage back on purchases, most practical
-
Miles Cards
Accumulate airline miles for flights, good for frequent travelers
-
Points Cards
Earn points for merchandise or vouchers
-
Co-branded Cards
Higher rewards at specific retailers
2. Cash Back Card Considerations
| Factor | Description |
|---|---|
| Reward Rate | Usually 0.5-2%, some categories up to 3-6% |
| Reward Cap | Monthly limits on rewards |
| Annual Fee | First-year waived, spend threshold waiver, or lifetime free |
| Foreign Transaction | Same rewards rate abroad? |
3. Hidden Credit Card Fees
| Fee Type | Amount | How to Avoid |
|---|---|---|
| Annual Fee | 0 to thousands TWD | Choose no annual fee cards |
| Interest | 5-15% APR | Pay full balance monthly |
| Cash Advance Fee | 3.5% + 150 TWD | Never use |
| Foreign Transaction Fee | 1.5% | Choose no foreign fee cards |
注意事項
Revolving interest is the biggest trap! Always pay full balance
4. Choose by Spending Habits
-
Online Shopping
E-commerce bonus cards
-
Dining
Restaurant rewards cards
-
Commuting
Transit linked cards
-
Gas
Gas station rewards cards
-
Travel
No foreign fee, airport lounge access
小提示
- 2-3 complementary cards for different spending
- Too many cards can hurt credit score
5. Credit Score Factors
-
Payment History
Most important - pay at least minimum on time
-
Credit Utilization
Keep under 30% of credit limit
-
Credit Age
Longer history is better
重點整理
- 1 Cash back cards are most practical; miles for frequent travelers
- 2 Watch reward caps, annual fees, foreign transaction fees
- 3 Always pay full balance to avoid interest
- 4 Use 2-3 cards for different spending categories
- 5 Pay on time to maintain good credit
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