BestCreditCards

If you're burdened by credit card debt, lenders want to help you -- by adding more plastic to your arsenal in the form of a balance transfer card, which offers generous up-front terms for moving your debt. And some of those offers are much more generous than others.

Savers love cash-back cards, which return a fraction of what you spend in good old U.S. currency. Disciplined consumers can bank hundreds of dollars yearly: The key is knowing how to maximize your payback.

Banks offer all sorts of credit cards. For the savers, there are cash-back cards. For the indebted, there are balance transfer cards. For the shoppers, there are retail cards. And for travelers like me, there are rewards cards.

We've schooled you on what CardRatings.com ranked as the worst credit cards of 2011, so it's only fitting for us to share which pieces of plastic would actually be wise to carry in your wallet this year.

Credit cards: Can't live with 'em, can't live without 'em, it seems (although some of our fellow WalletPoppers are having a lively debate about just that right now). The bottom line is, the majority of you probably need credit cards for something. With the help of Curtis Arnold, founder of the...