A lot of people only want to carry one credit card, but with so many available how do you choose the right one for you?

We've done the hard work for you and picked the top cards for a host of different people.

Best for people who don't want to pay currency fees abroad

If you’re going on holiday, make sure you pack the right credit card!

Most credit cards charge rip-off fees when you spend abroad but some offer fee-free overseas spending.

The best card open to all is the Post Office Money Platinum Credit Card which offers fee-free purchases abroad and no cash fee when buying travel money at the Post Office.

The Saga Platinum Credit Card (reserved for the over 50s) lets you avoid foreign currency fees when you spend overseas.  You’ll also benefit from interest-free ATM withdrawals if you clear your balance within 55 days.

The interest rate soars to 23.9% if you don’t, so make sure you pay it off quickly!

Compare credit cards that don't charge you if you use them overseas

The best credit cards for you: 0% balance transfer, 0% purchase, credit builder, reward, cashback and more

Best for people who want to earn some cashback

Though this could be classed as a reward, there are so many cashback credit cards going that it deserves its own section.

Cashback credit cards can give you money back on your regular spending. Be rewarded for a shop at the supermarket, fuelling your motor or buying something online.

American Express has some decent ones available.

If you’re a regular Asda shopper, it makes sense to plump for the Asda Cashback Plus Credit Card. You can get 2% cashback for spending in-store at Asda and 1% on all of your other spending. Just watch out for the £36 annual fee and the rather large 26.2% APR.

People who drive a lot could benefit from the AA Fuelsave Credit Card which will give you up to 4% cashback on fuel. The only caveat is that you need to spend £500 or more on purchases in a month.

Anything under that will get you 2% cashback. All other purchases will get you 0.5% cashback.

The card is fee-free for 12 months, but will attract a monthly £3.50 fee after this period.

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Best for people who want to earn rewards

Now, this one’s a little broader. Rewards can come in many forms, including points.

With the Sainsbury’s Bank Nectar Purchase Credit Card, for example, you can earn Nectar points while you spend. New customers get 5,000 after signing up if they spend £250 on Sainsbury’s shopping or fuel within the first month of signing up.

The offer is available to new customers that apply before 26 March.

From there you get two Nectar points for every pound spent in-store and on fuel and one point for every £5 spent elsewhere.   

Other rewards include points to be put towards shopping spends. With the M&S Shopping Plus MasterCard you can get points every time you shop which can be spent on vouchers.

You’ll get one point for every pound spent in M&S and one point for every fiver spent elsewhere. There’s also a chance to win a voucher when you spend on food, clothing and homewares at M&S.

Just be careful with your spending. If you’re unable to pay off the minimum amount on the card each month, the interest rate you’re hit with could wipe out any rewards you’ve built up.

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Best for people who want to spread the cost of a big purchase

Thinking of buying a car or a new sofa? A 0% purchase credit card is a good shout as they allow you to spread the cost of a big purchase without attracting interest.

The longest deal on the market is the Sainsbury’s Bank Nectar Purchase Credit Card at 29 months.

Much like the other 0% credit cards, it’s important to get the right interest-free length for you. Again, work out how much you’d like to transfer and how much you want to pay off each month.

There’s also no guarantee you’ll get the best deal: that’s dependent on your credit record. Some cards will give you a shorter interest-free period if you have something of a blemished credit rating.

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Best for people who want to pay off existing credit card debt without paying huge amounts of interest

If you have spiralling credit card debt, a 0% balance transfer credit card can help you get back in control and clear it.

These cards allow you to shift your balance from one card onto another where you can pay it off month-by-month interest-free.

Getting the right length of balance transfer is key as you need to make sure that all your debt is paid off by the time your 0% period ends. You can do this by working out how much you want to transfer and how much you’re able to pay off a month.

You should also watch out for the balance transfer fee some deals attract. This is a one-off charge to shift your debt.

The longest-lasting card on the market right now is the Halifax 43-month Balance Transfer Credit Card. However, the balance transfer fee on the card is a whopping 3.28%.

It’s possible to get a lower or even 0% fee, but you’d have to settle for a shorter 0% period.

At the moment, you can get a 26-month interest-free balance transfer card from Halifax with absolutely no balance transfer fee at all.

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Best for people who want to pay off an overdraft or other cash debt without paying huge amounts of interest

If you have overdraft debt you are better off going for a 0% money transfer credit card.

With a money transfer card you can move money from a credit card to a current account, rather than from a credit card to another credit card.

The Virgin Money Balance Transfer Credit Card will give you a whopping 41 months interest-free on money transfers as well as balance transfers. Money transfers do come with a pretty substantial 3.79% fee though.

To put that in context, transferring £2,000 would cost £75.80. This is a limited offer running until July 7 2017.

Best for people who want to fix their credit rating

It can be easy for your credit rating to worsen without you even noticing – a missed bill here, a credit request too many there.

Luckily, there are cards on the market to help re-build your financial reputation. Basically, you spend a little every month  and pay it back to show that you’re financially trustworthy.

The Vanquis Chrome 24.7% APR card starts off with a £250 credit limit which can increase to £1,000 over time, as long as you use your card sensibly.

Keep an eye on your credit report to see how your history is doing. Once you’ve improved enough, you’ll be able to start applying for the more competitive cards.

Compare credit cards that will help you build your credit rating