What are the Best Credit Cards?
Which credit card(s) are the best? There are many credit cards to choose from, so what is the best card? The best credit cards depend on what credit category you are in and your financial needs. A credit card for good credit is not the best credit card for someone with bad credit. Looking at your professional life can also be a clue to the right credit card. Student cards are for students, and business cards are for business owners. Before applying for a credit card, keeping this in mind you need to decide what category best fits your needs.
Best Credit Cards for Good Credit or Excellent Credit
If you fall into this credit category, you have many different credit cards to choose from. You need to have good credit in order to get approved for balance transfer credit cards. One of the main things you need to look for is a credit card that has no annual fee. If you have good credit, you should not have an annual fee on your credit card. The one exception would be airline credit cards. Most airline and travel cards have annual fees.
Best Credit cards for bad to fair Credit
Most credit cards for bad and fair credit have fees. Sometimes you can find a credit card for fair credit without an annual fee and no fees. This type of offer is the best card for people with fair credit. Some fair credit card offers have reward programs but charge an annual fee. This kind of credit card is only good if you will use the credit card frequently, and pay off your balances every month. Frequent purchases will allow you to earn reward benefits that will offset your annual fee.
If you have bad credit or no credit, expect to pay fees. If you are a student and have no established credit, then a student credit card is the best offer. Most student credit cards have no annual fee. Student cards are the best credit cards for students.
If credit cards for bad credit are your only option, you will need to do more research online. Your primary focus should be to find a credit card that offers the least amount of credit card fees. Secured credit cards typically charge the most fees. They are still a good option if you have been denied all other forms of credit. Look for a bad credit credit card that offers one large annual fee rather than multiple credit card fees. Often the smaller credit card fees add up to more than the large annual fee.
Finding the best credit cards is fast and easy. Only go on the Internet and research the multiple offers available online. Always read the terms and conditions before applying. This is crucial. Never apply for too many credit cards. Applying for multiple credit cards will temporarily lower your credit score. Pick the two best credit cards and apply online. Most online credit card applications will notify you instantly on whether you were approved or not. Following these simple steps is the easiest way to find the best credit cards for you.
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The best credit cards??? I really don’t dispute any of the information here, but it isn’t so easy to get approved for a credit card. Years back I really had the pick of the litter with credit cards. I have excellent credit and back a few years I could get almost any credit card I wanted. I have four major credit cards now. When I was looking for the fourth I was being turned down for cards for excellent credit. I had to wait a few months to apply again because I had a few credit inquiries on my credit report.
I did check my credit report to make sure I was still classified as having excellent credit. Even with the credit inquiries I still had really good credit. The next time I applied for a credit card I did get approved. What I ended up doing was I found a good reward card that had no annual fee. The difference was that it was in the good credit category. I was easily approved and received a decent credit line.
When you are looking for the best credit cards all I can say is make sure that the offer is not too hard to get approved for.