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You may want to avoid getting another credit card if youвre struggling to keep up with bills and you have no room in your budget for additional fees and charges. Itвs probably best for those with best credit card for 18 year old 2016 higher income, who travel often for work, and charge large amounts to their credit card while overseas. Essentially, you're using one card to pay off another, but because you aren't paying as much in interest, you have more money available to pay down your debt more quickly. You still have to spend loads on that card to get Medallion status, making it not worth it for most people. Yes, it earns rewards on travel and dining, offers a fine collection of premium travel benefits (including lounge access), and grants annual statement credits for travel purchases.