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NEW YORK (MONEY) -
Some 5.3 billion credit-card solicitations have been mailed this year, and it probably seems like half of them landed in your mailbox. It's a veritable fantasia of marketing gimmicks: No late fees! Free miles! Elite cards!
All too often, this flimflam disguises how ill-suited the card in question is to a person with your plastic habits -- and how much that miscasting will cost you. So MONEY spoke with industry experts, scoured the fine print on rates, fees and rewards, and finally zeroed in on seven outstanding cards. One of them is best-in-class for the kind of credit-card user you are. (Rates quoted are variable unless otherwise noted, and widely available to average applicants.)