A method of selecting cards for multi-mode mobile phone. The multi-mode mobile phone includes at least one phone card that supports a communication network mode and corresponds to a phone card ID. Charging information is obtained from interfaces provided by operators, the charging information including charge for each communication service of the communication network mode supported by the phone card. A charging information table is generated according to the charging information, the charging information table including an association between the phone card ID and the charge for each communication service. When a communication service is started, the charging information table is queried and the most economical communication service charge from the charging information table is selected for the started communication service A corresponding phone card ID is also selected. The multi-mode mobile phone is switched to the phone card corresponding to the selected phone card ID to communicate.