According to a survey conducted by the Financial Industry Regulatory Authority, 6 in 10 Americans don’t shop their credit cards.

If you’re one of those Americans, you could easily end up paying too much interest, or missing the opportunity for cash back or valuable rewards like free flights and hotels… Not good.

If you pay off your card every month, find one with rewards that match your lifestyle, or earn the most possible cash back. If you carry a balance, find the card with the lowest interest rate, or maybe one with a zero percent introductory rate. Card searches only take a few minutes and could mean hundreds more in rewards or hundreds less in interest.

New cards and deals come out all the time, so once you’ve found that perfect plastic, do it again every few months. And if you need tips to find the right card, no worries: just check out some of our reviews!

Data provided by Informa Research Services. Click here for more details on rate assumptions and criteria.