Kiplinger's Personal Finance put together some interesting card choices for every purpose you can think of (cashback, low-rate, travel rewards, gas reward, etc.). Of course, it is important you make up your mind and stick to one or two programs to maximize your credit card returns. More importantly, you should pay off balance every month. Otherwise, your benefits will come from your own interest payments.

BEST GASOLINE CREDIT CARD
BP Visa: "5% rebate on all BP purchases, including car washes and items at its convenience store. In addition, you get 2% back on most travel and dining purchases and 1% on the rest of your spending"

BEST CASH-REBATE CARD
American Express Blue Cash: "You earn 1% on gas, grocery and drugstore purchases, plus 0.5% on all other spending up to $6,500. After that, your rebate jumps to 5% on gas, groceries and drugstore products (excluding purchases at Costco and similar stores) and 1.5% on everything else."

BEST CARD FOR TRAVEL ABROAD
Capital One Platinum MasterCard: "Capital One's no-fee Platinum MasterCard charges neither, which makes it our top choice when you travel overseas."

BEST AIRLINE REWARDS CARD
Citi PremierPass Elite: "You earn two points per dollar spent for groceries, gas, commuter transportation and parking, plus one point per dollar on everything else. Purchase a qualifying ticket, which generally means one that costs at least $299 for a ticket within the U.S. (including Hawaii in season), and you receive a free companion ticket."

BEST LOW-RATE CARD ISSUERS
Capital One, Simmons First, Pulaski Bank: "If you have excellent credit -- which Capital One defines as having a credit card for at least five years, a credit line of more than $10,000, no bankruptcies and no payments more than 60 days late -- you qualify for Capital One's platinum Prestige cards (877-304-2066; www.capitalone.com). Its 6.9% rate is variable."

BEST CARD FOR BUSINESS EXPENSES
Advanta Platinum: "A business credit card can simplify your life at tax time because you don't have to separate business and personal expenses. ... also offers a generous 5% rebate on gasoline, office supplies, utility bills and Internet service, with a $300 annual cap."