<ul data-eligibleForWebStory="false">Credit cards have become an essential part of daily financial transactions due to their benefits like cashback offers and reward points.For first-time credit card users, understanding their spending habits, comparing annual fees, interest rates, rewards, and credit limits are crucial factors.Choosing a credit card tailored to one's spending patterns and needs can lead to saving more money and building a good credit score.The article emphasizes the importance of researching and comparing different credit card features online before making a decision.