The best Discover credit cards offer standout rewards or low APRs in addition to the $0 fees that all Discover cards are known for. There are several contenders for the title of best Discover card overall, and the answer ultimately depends on each applicant’s creditworthiness and preferences.

With that in mind, WalletHub’s editors compared Discover cards and selected the top offers for a handful of common consumer needs.

Visa and Mastercard are the two largest card networks in the world, accepted in more than 200 countries and territories worldwide. As card networks, Visa and Mastercard control where credit cards and debit cards can be used, as well as what secondary perks they offer – from $0 fraud liability guarantees to rental car insurance. Neither Visa nor Mastercard actually issues credit cards, unlike the two other leading card networks: American Express and Discover.

You should only worry about whether to get a Visa or Mastercard credit card if you’re torn between two offers. In other words, if two cards are identical in terms of rewards, rates and fees, then it’s appropriate to weigh the small differences that do exist between Mastercard and Visa.

When deciding where to pursue higher education, the choice between attending a university versus a college can be tough. For those who prefer widely diverse academic and social opportunities, university is often the answer.

Universities boast many advantages over colleges. Aside from having larger enrollment numbers that promise a dynamic campus life, universities offer both undergraduate- and graduate-level programs that lead to bachelor’s, master’s and doctoral degrees. Students with an appetite for different subjects can even pursue multiple degree tracks at once.

Size matters when it comes to higher education. That’s generally true when choosing between colleges and universities. Although the term “college” is used broadly to refer to post-secondary education in the U.S., it’s more narrowly defined as a smaller institution than a large university. It also may be one of several colleges within a university system. There are exceptions, however, such as Boston College, Dartmouth College and the College of William & Mary, which hold university status but prefer to retain the “college” designation in their names.

But there are other differences that set the two types of institutions apart. Unlike universities, which offer both undergraduate and graduate study programs, colleges primarily confer bachelor’s degrees and often don’t award advanced degrees. Class, campus and enrollment sizes are relatively smaller, which can be preferable for students who seek more intimate social settings and more focused attention from instructors. In the absence of research programs and facilities typically present at universities, many colleges also compete with more specialized areas of instruction, such as technical or agricultural colleges.

In a fierce global economy, a college degree can help secure employment and keep you ahead of the competition. And though success ultimately rests on students’ own determination and performance, the quality of the schools they choose can certainly have an impact. However, attending higher education requires more than just the grades to get in. You’ll also need the financial resources to attend. On average, tuition and room and board at a four-year college costs around $27,000 - $55,000 per year. It varies depending on the school’s public or private status and whether it’s in-state. For those prices, students want to know they are getting a good deal.

To determine the top-performing schools at the lowest possible costs to undergraduates, WalletHub compared more than 1,000 higher-education institutions in the U.S. across 30 key measures. The data set is grouped into seven categories, such as Student Selectivity, Cost & Financing and Career Outcomes. The metrics range from student-faculty ratio to graduation rate to post-attendance median salary.

Chase does not offer personal loans, despite being one of the biggest banks in the U.S. They do participate in other types of financing, however, offering credit cards, mortgages, home equity lines of credit, auto loans and business loans.

To identify the best alternatives to Chase personal loans, WalletHub’s editors compared offers from more than a dozen of the top lenders.

Rewards credit cards save you money by returning a percentage of what you spend in the form of cash, points or miles. However, there are a few unfortunate mistakes that people make with rewards credit cards that prevent them from maximizing the value of their cards.

1. Choosing the Wrong Rewards Credit Card

There are three major types of credit card rewards: cash back, points and miles. Cash back cards are usually targeted more toward everyday purchases, while points and miles cards tend to be more focused on travel (though there are exceptions). Figuring out what types of purchases you spend the most money on can help you pick the best type of card. You may even want different rewards cards for different purposes.

Using a balance transfer credit card with no balance transfer fee is a great way to save money while paying off debt. Thinking you can’t go wrong with a no-fee balance transfer could be a costly assumption, however. There are a few common mistakes you should familiarize yourself with and make sure to avoid if you want to get the most out of a no-balance-transfer-fee credit card.

1. Focusing on Balance Transfer Fees Instead of the Total Cost

Signing up for a balance transfer credit card with no transfer fee may sound foolproof, but keep in mind that “no transfer fee” does not always mean you get an introductory 0% APR on your transferred balance. If you don’t get a low intro APR, interest charges could end up costing you a lot more than a transfer fee over the course of your payoff period.

A travel credit card is essential for people who take trips at least a few times per year, whether domestically or internationally. Unfortunately, there are several avoidable mistakes that people often make with travel credit cards, and steering clear of these pitfalls can save you a lot of money.

1. Assuming Cards With Annual Fees Are Worse

Travel credit cards can have no annual fees, some of the highest annual fees on the market, or something in between. Some people think that if a card doesn’t charge an annual fee, it’s a better choice, but that’s not always true. Paying an annual fee is fine – as long as you can more than break even with the value of the rewards and benefits you receive from the card. Big initial bonuses can often pay for the card’s annual fee for a few years, for example.

What Is CVV2?

A CVV2 code is a three-or-four digit number printed on the back of credit cards, debit cards and prepaid cards (or the front of Amex cards) that you have to provide for security purposes when making a purchase online or over the phone. This prevents people from making so-called “card-not-present transactions” if they aren’t actually in possession of the card being charged. That’s why folks often refer to CVV2 numbers as credit card security codes. They help prevent unauthorized use of your account.