How To Find The Best Credit Cards
Before applying for a credit card it is important to understand the types of credit cards that an individual is applying for and the terms of service of that card. Here is a brief summary of the different credit cards that are available here.
Airline Credit Cards
This is another type of reward card that offers points for each purchase made with the card. The points can be exchanged for airline tickets or upgrades.
Balance Transfer Credit Cards
This allows a person to move credit card balances from a card with a higher interest rate to a card with a lower interest rate. It is possible to save the difference between the two rates, There is also the possibility of saving even more money by taking advantage of any introductory period that may apply.
Business Credit Cards
These cards entitle business owners and executives to have a rather high limit, and other benefits.
Cash Rebate Credit Cards
These cards offer to return a percentage of the annual amount spent to the credit card holder. The more you charge the more you cash back you earn.
Gas Credit Cards
Some credit card issuers have joined with car manufacturers and gas retailers to provide additional incentives to encourage customer loyalty. These cards can offer some of the best rewards.
Low Interest Credit Cards
A card with a low introductory rate often gives you a zero percent interest rate for a specified period of time, usually 6 to 12 months, after which the rate will rise to the average rate. This low rate usually applies to balance transfers or new purchases, sometimes both. If you carry a large balance on your cards from month to month or think you will be making a large purchase soon, this could be a good card for you.
Prepaid Credit Cards
These cards are actually not a credit card. Technically they are a type of debit card since no credit is issued. It works like any other debit card giving you a spending limit equal to the amount of money you have put on deposit with the card. These cards are usually accepted wherever debit and credit cards are accepted.
Rewards Credit Cards
Any type of card can yield rewards from points that can be used toward anything from airfare to zoo admission. Sometimes the reward is cash back, hotel or gas discounts.
Student Credit Cards
Student credit cards are a good way for students to learn responsible spending with a credit card that is easy to obtain for student who have little to no credit history.
Bad Credit Credit Cards
These credit cards are unsecured credit cards designed to help people who have bad credit.
No Annual Fee Credit Cards
The annual fee, or membership fee, is an amount charge card companies levy for the right to use or carry their card. This fee is payable whether you actually use the card during the year or not. With a no annual fees credit card this fee dose not apply. Annual fees can range from $25 to as much as $100 or more.
Hotel Credit Cards
Hotel rewards credit cards give you the chance to stay at a luxurious hotel for free and are a great option for those who travel a lot.
Charity Credit Cards
Charity credit cards are a great way to show support for a certain charity. Many credit card companies offer a wide variety of reward programs, but many people find they really do not need those types of rewards.
Canadian Credit Cards
Canadian credit cards are very similar to those offered in the United States. All of the major credit card companies offer credit cards to Canadians and some major retailers do as well.
Guaranteed Approval Credit Cards
Some card issuers offer online applications that make a determination almost immediately.
Auto Loans
Auto loan enables the person to buy a vehicle of his own choice. There are two types of auto loan available in the financial market that is secured auto loan and unsecured auto loan. Both, secured and unsecured auto loan have there own advantages.
Remember, finding the best credit card 4 you in today’s world can be a bit challenging. In order to find the credit cards 4 you should use a general checklist when examining each application. By using this checklist you can guarantee that you know exactly what type of credit card you are applying for and what to expect after you are approved.
Look through the annual fees, interest-free periods and rewards to make sure you are getting The Best Card 4 You & your needs. Check out the
articles in our data base.
Featured Credit Cards
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Intro APR |
2.9% |
Intro Period |
6 Months |
Annual Fee |
First year fee-free |
|
- Earn 10,000 Starpoints with your first purchase - that's good for up to 3 free nights!
- Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
- Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
- No annual fee for the first year - a savings of $45
- Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards
|
|
Intro APR |
0% |
Intro Period |
Up to 15 Months |
Annual Fee |
None |
|
- Membership Rewards ExpressSM program
- 0% APR on purchases for up to 15 months
- No Annual Fee
- Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
- Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
- Express Approval. Get a decision in less than 60 seconds.
|
|
Intro APR |
0% |
Intro Period |
n/a |
Annual Fee |
First Year Free |
|
- First year fee-free - $125 Thereafter
- Get 10,000 Membership Rewards® points redeemable for Rewards right away
- No Pre-Set Spending Limit
- Gold Card Events—exclusive access to tickets for select concerts, shows,
major sporting events, and more in cities nationwide
- Global Assist® Plus Hotline and many more benefits included.
|
|
Intro APR |
0% |
Intro Period |
12 Months |
Annual Fee |
None |
|
- Save with 0% Intro APR for up to 12 months*
- Free Online Reporting - Quarterly reports enable you to monitor your business spending.
- No Annual Fee
- Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
- Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
|
|
Intro APR |
0% |
Intro Period |
Up to 12 Months |
Annual Fee |
None |
|
- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
- Earn 5 to 20% Cashback Bonus at top retailers through Discover's exclusive online shopping site
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
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