As you might expect, a good deal for your friend may not mean it works for you. Here is why. There are so many different cards available now that give rewards for various activities that make most such cards attractive to a focused group of people. If your friend is a scuba diver and has a scuba diving card, but you are afraid of the water and want to stay home and work in your garden, then of course her good credit card deal is not going to be good for you.

The most important thing to realize here is the word 'your' as in 'your lifestyle'. So logically speaking there is nothing like a good credit card deal. What it is - is good credit card deal for 'you' i.e. the individual who is going to use that credit card.

Since it is your friend who told about her good deal, it is possible that it would work for you, since you presumably have some of the same hobbies.

Travel and airline cards often give rewards, although they often have fairly high annual fees, and sometimes restrictions on redeeming the rewards that make them inconvenient for what you will pay. I am finding the cost of having one of these cards keeps going up, so make sure you will really benefit from the rewards you can earn.

Another credit card deal with wide appeal is the one you are offered at your favorite department store. You are usually told you can save 10% today if you open a card. It is tempting, especially if you are making a large purchase that day. But you need to ask yourself, will you manage that card well? Will you pay off the balance each month? If not, then you are just getting yourself deeper into credit card debt and future trouble. And if you are ever late on a payment, the interest rate will shock you.

A basic credit card from your local bank or credit union usually is a good credit card deal for anyone. You can still often get rewards for purchases, and the interest rate is lower. Don't forget, credit card companies are very smart. They know what you are likely to do with your new card, so they set it up so they make the money, not you.

A good credit card deal is really a relative term and there is no credit card deal which is equally good for all.