Best Credit Card

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Best Credit Card

Best Credit Card

How to find the Best Credit Card

 Best Credit Cards

 

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How to chose the best credit card offer for your current financial situation.

  Best Credit Card Overall and Benefit Rating

5 = Best in Category Credit Card Rating  = Best in Category

1 = Least in Category Credit Card Rating = Least in Category

 

Best Credit Card
Best Credit Card


What is the best credit card for me?

Today's consumers are presented with a wide array of credit card choices -- cards with low annual percentage rates, cards with no annual fees, rebate cards, gold cards, platinum cards, etc. So, how do you choose the right card?
 
Here are some factors to consider:

Your Credit History: This is the most important factor in determining whether or not you will receive a credit card. If you have excellent credit, it is likely you will be approved for any credit card you apply for. But if your credit is 'so-so', or poor, you must be more careful in your credit card selection.

Platinum, Titanium, Gold, or Classic?
As a rule of thumb, Platinum and Titanium cards are normally reserved for individuals with excellent credit. If you have good credit, you may be able to qualify for these offers, but you are more likely to be approved for a Gold or Classic card. With increasing levels of status, individuals receive increased benefits such as and higher credit limits and lower APR's.

Secured vs. Unsecured
For individuals with poor credit, or no credit, several types of credit cards are available. These cards are an effective way to establish and improve your credit history.
Secured credit cards are available to most individuals. They require a security deposit (normally between $150 and $300) to receive approval. Unsecured credit cards, on the other hand, do not require a security deposit. Both normally have higher rates and additional fees as compared to standard cards.

Prepaid cards are also available as an alternative for those with poor credit. They operate on a 'pay as you go' basis and boast Guaranteed Approval!

* Tip: Apply for an unsecured credit card first!

How is your credit? Please visit our freecreditreport.com section for more information on credit reports and find out how to get a * FREE copy of your credit report online. >>>

Your Spending Habits:
When choosing a credit card, consider how your will use the card. Will you pay off the outstanding balance in full each month, or will you carry a balance?
If you carry a balance, you'll probably be more interested in a low APR credit card. On the other hand, if you always pay your monthly bill in full, and reward offers such as frequent flyer miles don't interest you, your best choice may be a card that has no annual fee and offers a longer grace period.

Your Specific Interests: Do you do significant amounts of traveling, use a specific brand/service, or shop at a specific chain of retail stores?
 
Many credit card issuers will allow you to earn rewards for your devoted service.

Travelers: If you are a frequent traveler, many companies allow you to earn bonuses to benefit you. Frequent Flyer cards also known as travel reward cards allow individuals to earn free air travel with every purchase. Other offers such as gas credit cards allow you to earn free gasoline, or earn credit towards automobile purchases.
Shoppers: If you are a frequent shopper, or prefer a certain retail store or brand of products, many companies allow you to earn cash rebates when you make purchases. Cash Rebate also known as cash back credit card offers allow individuals to earn cash back on all purchases made. In some cases, they offer increased incentives for purchases on certain products or brands.

Below you will find a sample of the Best Credit Cards:
 

 Chase SapphireSM Preferred


Chase Sapphire Card

Click to Apply for This Chase Credit Card
 


Overall Rating

Best Overall Chase Credit Card in Category

Benefit Rating
Best Chase Credit Card Benefit Rating

 
  • Earn a FREE FLIGHT - that's 25,000 bonus points after you spend $3,000 in the first 3 months!
  • 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
  • Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
  • Points are worth 25% more when you redeem for travel through Ultimate Rewards
  • 7% annual points dividend - earn bonus points on your points
  • 1:1 point transfer to leading airline and hotel programs
  • 24/7 Dedicated expert service advisors (No voice recording)
  • No annual Fee for your first year - An $85 value

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

N/A*

N/A

12.24% Variable*

None for 1st Year*

N/A

Excellent Credit*

Discover® More® Card                                        


Best Credit Card

Click to Apply for This Discover Credit Card

 


Overall Rating

Best Overall Discover Credit Card in Category

Benefit Rating
Best Overall Discover Credit Card in Category

 
  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

 

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

0%*

6 Months purchases - 12 Months Balance Transfers*

as low as 11.99% Variable*

None*

Yes*

Excellent Credit

 Miles by Discover® Card                                              


 Discover Miles Credit Card

Click to Apply for This Discover Credit Card
 


Overall Rating

Discover Card Overall Rating of 4.5

Benefit Rating
Discover Card Benefit Rating of 4.5

 
  • Book any travel, anytime with no blackout dates or restrictions
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases – personal and business
  • Unlimited Miles
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

0%*

6 months on purchases and balance transfers*

as low as 11.99%Variable*

None*

Yes*

Good Credit

 Chase SapphireSM                                                                 


Chase Sapphire Card

Click to Apply for This Chase Credit Card
 


Overall Rating

Best Overall Chase Credit Card in Category

Benefit Rating
Best Chase Credit Card Benefit Rating

 
  • 10,000 Bonus Points after first purchase
  • 2X on all airfare booked through Ultimate Rewards
  • No earning caps, point expiration, or blackout dates
  • Earn 10x for every dollar when shopping at select merchant through Ultimate Rewards Mall
  • 1 point for every dollar on all other purchases
  • 24/7 Dedicated service advisor (No voice recording)
  • Premier travel protection benefits
  • No Annual Fee

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

N/A*

N/A

12.24% Variable*

None*

N/A

Excellent Credit*

 Chase FreedomSM


Chase Freedom

Click to Apply for This Chase Credit Card

 


Overall Rating

Best Overall Chase Credit Card in Category

Benefit Rating
Best Chase Credit Card Benefit Rating

 
  • 0% Intro APR* and No Annual Fee*
  • 5% cash back offers in popular categories like gas, home improvement and department stores
  • Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
  • Your cash back rewards never expire

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

0%*

12 Months on Balance Transfers 6 months on Purchases *

As low as 12.99% Variable*

None*

Yes*

Good Credit*

 Orchard Bank Classic MasterCards                                                  Best Unsecured Credit Card


orchardapply.com Offer

Click to Apply for the Orchard Bank Credit Card
 


Overall Rating

Best Overall Orchard Bank Credit Card in Category

Benefit Rating
Best Orchard Bank Credit Card Benefit Rating

 
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns

    Apply Now!

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfers

Credit Needed

N/A

N/A

14.90%-24.90%*

$39-$74

N/A

Bad, Poor, No Credit

 

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