Another option is the Capital One Quicksilver Secured Cash Rewards Credit Card. It's a flat-rate cash back card, so you don't ...

CNBC Select compares the best 0% APR credit cards with no interest for up to 21 months, so you can maximize savings.

Lines of credit and credit cards are both forms of revolving credit. You can expect more flexible payment terms with a line of credit, while credit cards tend to offer greater convenience and rewards.

This card’s strengths are simplicity, access to the Capital One miles ecosystem and lack of annual and foreign fees. It may not be the biggest earner, but it’s worth a look.

Consumers often look for rewards programs and sign-up bonuses when choosing credit cards. But these programs also do way more than simply earn rewards.