A credit card has a plethora of benefits. It can help you in availing cash back offers on purchases. If you are a frequent flyer, a suitable card can provide you with extra miles. Similarly, if you are a movie buff or a foodie, payments using a credit card can help you earn attractive rewards. However, finding a specific card that fits all of your requirements may be a task sometimes. If you travel often, you would want to opt for a credit card that offers travel rewards. Conversely, if you are an individual with a bad credit history, you may wish to choose a card that helps you rebuild your credit score. When selecting a credit card, you need to pay special attention to the perquisites, rewards, and the interest rate payable on the card. These factors play a pivotal role in influencing the overall benefit of having a credit card. Listed below are the top three credit cards across segments like travel and dining, bad credit, and business:

• Chase Sapphire Preferred®
  The Chase Sapphire Preferred® credit card has a host of benefits when it comes to travel and dining. After you spend $4,000 on travel during the first three months of opening your account, this credit card provides you with 60,000 bonus points. The value of these bonus points is $750, which are redeemable through the “Chase Ultimate Rewards®.” Also, going forward, you will earn two points for each dollar that you spend on dining and travel and one point for each dollar spent on all the other purchases. This credit card comes with a regular annual percentage rate (APR) ranging from 18.24% to 25.24% and has a yearly fee of $95.
• OpenSky® Secured Visa®
  The OpenSky® Secured Visa® is an ideal credit card if you have a bad credit record. There are no credit verifications that one has to undergo to avail of this card, and only a security deposit of any amount between $200 to $3,000 is required to get started with it. Once the credit is handled well for several months, you will be eligible for an unsecured credit card. This card has an APR of 19.64% and an annual fee of $35.
• Chase Ink Business Preferred℠
  If you wish to have a credit card for business purposes, your search ends with the Chase Ink Business Preferred℠ card. This card can help your business earn 80,000 bonus points once you spend $5,000 in the first quarter after obtaining the card. The bonus points are worth $1,000 toward travel if you redeem them through the “Chase Ultimate Rewards®.” Also, you will earn three points on each dollar on the first $1.5 lakh spent on various business categories like internet, cable, shipping, travel, phone, as well as social media. This credit card comes with an APR ranging from 18.24% to 23.24% and has an annual cost of $95, which is without any foreign transaction fee.