Did you know you can customize your master cards? Granted there is probably not a specific program out there that says that you can customize your card, but a few tricks will allow you to come pretty close to choosing a card that does everything you want it to. It may be a combination of a few different cards and utilizing options such as cash advance and balance transfers, but if you know what you are doing you can come up with pretty much the perfect credit card system that allows you to take full advantage of benefits while paying as little interest as possible.
Many do not realize that they can actually get credit cards with no interest. Master cards often offer 0% interest for a promotional period that may last anywhere from 3 to 12 months. These can be dangerous if you do not pay attention and let the promotional period lapse, but if you play your cards right, you can make a large purchase and pay it off during the promotional period without interest. To make the deal even sweeter, choose a card that has a 0% interest promotion that also offers rewards such as cash back or points. Of course, your options will depend on what is offered to you based on your credit.
If you are going to have a balance when the interest rate goes up, begin looking for master cards ahead of time to see if there is another available to transfer the balance to. If not, there may be one that offers 0% interest on cash advances and you can pay of the balance that way. Rolling over 0% interest cards can get tricky and you have to be very careful not to lose track, but it can be a great way to get no interest credit and earn rewards at the same time if you do it correctly.
In the end, customizing your own master card is basically using a combination of a few different master cards in order to achieve your specific goals. It can get tricky, and you will be limited by what card companies are willing to offer based on credit history, but if you have good credit and you can stay on top of the game, there is great potential here. Start out simple, and if it works out, expand as you see fit to accomplish the maximum financial benefits for you.