5 Credit Card Habits You Should Break in 2020

Credit cards are great – you can take advantage of benefits like travel points, free airport lounge access, cash back, and much more. However, if you use them wrong, you might end up ruining your credit score, or end up in a massive pile of debt. Here are five credit card habits you should break in 2020 in order to have a great financial life:

1) Opening and Closing Credit Cards Frequently

Do you like getting new credit cards for the airline miles or the low interest rate promotions? Many people do this, it is called credit card churning. It is an excellent tactic if you are strategic about it. However, you should be cautious and find as much information as you can. It’s not recommended for people who have bad credit since too many credit card applications can damage your credit even more. 

2) Not Reading Your Statements

Being aware of where your money goes is crucial for a healthy financial life. Most people find it tedious or time-consuming, but you should read your credit card statements as soon as they arrive. You might discover unauthorized purchases or mistakes. It’s also a way for you to see which things you can stop buying, or subscriptions you’re not using anymore and save money. 

3) Paying Your Bill Late

Blowing off your credit card due date is a dangerous habit. Not only will you have to pay interest fees, which sometimes can be as much as $35 even if you’re only one day late, but it can ruin your credit score. If you simply forget to pay it on time, you can always schedule your payment in advance, and you won’t have to worry about it. 

4) Getting Cash Advances

Do you have the habit of taking out cash advances? Sure, they are convenient, but they are one of the most expensive types of credit card transactions you can make. It is estimated that the average interest rate is about 23.68%, and you will start paying interest immediately, with no grace period. Instead of getting cash advances, you should try to build an emergency fund, so that you’re prepared for unexpected expenses.

5) Impulse Purchases

If you frequently buy things you don’t need and regret the purchase later, you’re likely an impulse buyer. This a very dangerous credit card habit since you can’t physically see your money being spent. In case you have this problem, you should start using cash and leave your credit card only for emergencies. You can also tell yourself you will buy the item you think you need tomorrow; there’s a high chance you might not want to purchase it the next day.  

8 Must-Know Credit Card Tips for Traveling Abroad

Traveling can become really expensive if you’re not prepared for it. There are many things you should take into consideration, such as foreign transaction fees and safety. Credit cards are essential travel items you should have. However, you don’t want to be left with a huge bill or without a single penny if your card is not accepted somewhere, especially since you are going to another country. Here are eight must-know credit card tips for traveling abroad:

1) Get a Card With No Foreign Transaction Fees

Many travelers are not aware of the fact that depending on the credit card they own, they might have to pay 3% foreign transaction fees on each transaction. It doesn’t sound like much, but that can add up and become very expensive. If you want to avoid these unnecessary charges and potentially save a lot of money, get a credit card with no foreign transaction fees.

2) Let Your Card Issuer Know About Your Trip

Credit card issuers have security policies to avoid identity theft and unauthorized purchases. If you travel abroad and start making purchases in another country, they might think someone stole your card and block it. Therefore, check your card app and enable it to travel or call the number written on the back of your card.

3) Verify Where Your Card is Accepted

Visa and Mastercard are the safest choices when it comes to international card acceptance. Other cards like American Express, for example, may not be accepted in some places. For that reason, you should research where yours is accepted before going, and even bring a second or third card with you, even if it’s a debit card.

4) Always Carry Some Cash With You

It’s always good to have some extra cash for emergencies, or in case a store doesn’t accept credit cards. Don’t forget to keep them hidden in other places, like inside your suitcase or in a hidden fanny pack.  

5) Bring More Than One Credit Card

No one wants to go through any trouble and not have a way to pay for things, especially in another country. Therefore, you should take more than one credit card with you on your trip. You should always prepare for the worst, and hope for the best. 

6) See The Traveler Benefits Your Card Offers You

The best part about having credit cards is the benefits they offer you. Did you know that many credit card companies offer travel benefits? You might be entitled to a free airport lounge entry, travel, and car rental insurance, among other things.

7) Set Credit Card Alerts

To prevent fraudulent purchases, or if someone steals or clones your card, you should always have credit card alerts set up at home, and even more internationally, as this type of fraud is more likely to happen.

8) Avoid Using Debit Cards Internationally

When traveling abroad, give preference to using your credit over debit. Credit cards offer more security since you can protest unauthorized charges, and if someone gets your card without your permission, they won’t be able to withdraw all your money and leave your account empty.

 

5 Best Credit Cards for Holiday Shopping

Christmas is on its way, and December is usually when people shop for presents. If you haven’t bought your gifts yet, you can take advantage of credit cards that will help you save some money and earn rewards. However, be careful not to overspend and end up in a pile of debt. Do a bit of research on the products before buying so that you can get the best price for your items. We’ve selected the best credit cards for holiday shopping. Check them out below.

REDcard Credit Card

  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.
  • Starbucks discount
  • Save 5% on everyday essentials delivered on your schedule when you subscribe, plus you save another 5% when you use your REDcard.
  • Free 2-day shipping
  • Save 5% on specialty gift cards for travel, restaurants, movie tickets, and more when you use your REDcard.

CLICK HERE TO APPLY

WebBank/ Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

Blue Cash Preferred Card from AmEx

  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at U.S. supermarkets (terms apply); 6% cash back on select streaming subscriptions; 3% cash back on transit; 3% cash back on gas stations and on transit;1% cash back on all other purchases
  • Return protection
  • $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • Car rental loss and damage insurance

Costco Anywhere Visa Card by Citi

costco anywhere visa
  • 4% cash back on eligible gas 
  • 3% on restaurants and eligible travel purchases
  • 2% cash back on all other purchases Costco and Costco.com
  • 1% cash back on all other purchases
  • Damage and theft purchase protection
  • Extended warranty
  • No foreign transaction fees
  • No annual fee with your paid Costco membership

Discover it Cash Back

  • No annual fee
  • Dollar-for-dollar match of all the cash back you’ve earned at the end of your first year
  • 5% cash back at different categories like Amazon.com, and more
  • 1% cash back on all other purchases
  • Cash back never expires
  • Paying late won’t raise your APR
  • No foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Top Credit Cards for Bad Credit of December 2019

If your FICO Score is anywhere between 300 to 560, it means you have bad credit. As a consequence, it will be a lot harder for you to find a loan or a credit card. Thankfully, there are some options in the market with easy approval. Most of them will also help rebuild your credit score since they report to the three major bureaus. You must use them responsibly so that you don’t pay interest fees and also increase your credit line.

best credit cards for bad credit

Here are the seven best Credit Cards of December 2019:

Merrick Bank Secured Visa ® from Merrick Bank

  • Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance – use it anywhere Visa is accepted.
  • Quick, easy application – apply online today!

Click here to apply

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Merrick
  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 – $1,250, Doubling to $1,100 – $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee

Click here to apply

Indigo Platinum Credit Card

  • 24/7 access to your account, even on mobile!
  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

Click here to apply

First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM
    locations nationwide and online
  •  Reporting monthly to all three major credit reporting agencies
  •  Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  •  If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  •  Receive your card more quickly with optional Expedited Processing (additional fee applies)
  •  Get a result in as little as 60 seconds upon completion of the online application
  •  Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Click here to apply

OpenSky® Secured Visa® Credit Card

opensky
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Click here to apply

Green Dot primor® Visa® Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Click here to apply

Credit One Bank® Platinum Visa® for Rebuilding Credit

credit one platinum
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Make paying your bill easier with the ability to choose your payment due date, terms apply

Click here to apply

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards of 2019

The best way to choose a credit card for you is by finding the one that meets your needs and budget while also offering the most rewards and benefits. We’ve reviewed the best credit cards of 2019 and made a list of the best ones. Check out below.

best credit cards

1) Capital One Quicksilver Cash Rewards Credit Card

capital one quicksilver
  • 1.5% cash back on every purchase
  • No annual fee
  • Earn a $150 cash bonus after you spend at least $500 on purchases within 3 months
  • No foreign transaction fees
  • 0% intro APR on purchases and balance transfers for 15 months
  • Extended warranty
  • Travel accident insurance

2) Chase Sapphire Preferred Card

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 on purchases for the first three months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on everything else
  • No foreign transaction fees
  • Trip cancellation insurance
  • Purchase protection
  • Baggage delay insurance

3) Blue Cash Preferred Card from American Express

  • $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 6% cash back on select U.S. streaming subscriptions
  • 6% cash back at U.S. supermarkets
  • 3% cash back on transit and at U.S. gas stations
  • 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • Car rental loss and damage insurance
  • $95 annual fee

4) Amex EveryDay Credit Card

Amex Everyday
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • 2 points at U.S. supermarkets (terms apply)
  • 1 point on all other purchases
  • Car rental loss and damage insurance
  • Earn 20% extra points after using your card 20 times on purchases (terms apply)

5) Capital One Savor Cash Rewards Credit Card

  • $0 intro annual fee, then it’s $95
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • $300 cash bonus after spending at least $3,000 on purchases within the first 3 months

6) Capital One Venture Rewards Credit Card

capital one venture
  • $0 intro annual fee, then it’s $95
  • 50,000 bonus miles after spending at least $3,000 on purchases within the first 3 months
  • 2 miles per $1 spent on all purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • Auto rental collision damage waiver

7) Bank of America Travel Rewards Credit Card

bank of america travel rewards
  • 25,000 bonus points after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases for 12 months
  • No foreign transaction fees
  • 1.5 points per $1 spent on purchases
  • No blackout dates or restrictions
  • Access your FICO updated monthly

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards for Gas Rewards (November 2019)

Do you spend a lot of time in your car? If so, you probably spend a lot of money on gasoline purchases. Therefore, you can benefit a lot from gas credit cards. You’ll get things like more cash back rewards (usually 3% or more) and bonuses. Here are the seven best credit cards for gas rewards:

gas credit card

1) Costco Anywhere Visa Card by Citi

costco anywhere visa
  • 4% cash back on eligible gas worldwide (terms apply); 3% cash back on restaurant and travel purchases worldwide; 2% cash back on all other purchases from Costco and Costco.com; 1% on all other purchases
  • No annual fee (with your paid Costco membership) 
  • No foreign transaction fees on purchases
  • Extended warranty
  • Damage and Theft Purchase Protection

2) Blue Cash Preferred Card from American Express

blue cash preferred
  • 6% cash back on select U.S. streaming subscriptions; 3% cash back on transit; 3% cash back at U.S. gas stations, 1% cash back on other purchases
  • Earn a $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • $95 annual fee

3) Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card
  • 5 points per $1 spent on gas, grocery, and drugstore purchases for the first 6 months (on up to $12,500 spent)
  • 1 point per $1 spent on all other purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Price protection
  • Cell phone protection

4) U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card
  • Earn a $150 bonus after spending $500 in purchases within the first 3 months
  • 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose; 2% cash back on one everyday category like gas stations, grocery stores, or restaurants; and 1% cash back on all other purchases
  • No annual fee
  • 0% intro APR on balance transfers for the first 12 months

5) Chase Freedom

  • Earn a $200 cash bonus after spending at least $500 on purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 5% cash bonus on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 1% cash back on all other purchases
  • Purchase protection 
  • Extended warranty protection

6) PenFed Platinum Rewards Visa Signature Card

  • 5 points per $1 spent on gas purchases; 3 points per $1 spent on grocery purchases; 1 point per $1 spent on all other purchases
  • No annual fee
  • No blackout dates
  • Earn a $100 bonus after spending at least $1,500 within the first 3 months

7) Bank of America Cash Rewards Credit Card

  • 3% cash back in the category of your choice (gas, online shopping, dining, etc)
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Extended warranty
  • Trip cancellation insurance (only for Mastercard)

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Top Credit Cards for Large Purchases

Did you spend months researching a large purchase like a new smartphone, laptop, or TV? Or maybe even a travel package to enjoy the holidays with your family? Using the right credit card to buy your product can mean potentially saving money, because of the cash bonuses and earning benefits like travel insurance, purchase protection, and extended warranty. We made a selection of the best credit cards for large purchases here:

credit cards for large purchases

Chase Freedom Unlimited

  • $200 cash bonus after spending at least $500 on purchases within the first three months
  • Earn unlimited 1.5% cash back on every purchase
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Contactless – tap to pay
  • Cash back rewards do not expire

Blue Cash Preferred From AmEx

  • Earn $250 after spending $1,000 in purchases within the first three months
  • 6% cash back at US supermarkets
  • 3% cash back on taxi/rideshares, buses, etc
  • 0% intro APR on purchases and balance transfers for 12 months
  • $95 annual fee

Capital One SavorOne Cash Rewards Card

  • Unlimited 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 0% intro APR on purchases for 9 months
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • No annual fee
  • $150 cash bonus after spending at least $500 on purchases within the first 3 months

Chase Sapphire Preferred

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 within the first 3 months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation / interruption insurance

Discover it Cash Back

  • 5% cash back at places like gas stations, groceries, restaurants, Amazon.com, etc
  • 1% cash back on all other purchases
  • Cash back never expires
  • No annual fee
  • No foreign transaction fee
  • No overlimit fee
  • Zero fraud liability

Capital One Venture Rewards Card

capital one venture
  • 50,000 bonus miles after spending at least $3,000 on purchases for the first 3 months
  • Unlimited 2 points per $1 spent on every purchase
  • $0 intro annual fee, then it’s $95
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Beginners

Are you new to credit and struggling to get a credit card? It might be hard to get one if you don’t have a good score. Therefore, it’s essential to choose the right cards with a higher chance of approval. With proper financial habits, like paying your bills in full and on time, you’ll increase your credit line, and upgrade to a credit card with cash rewards and fewer fees.

credit cards for beginners

1) WebBank / Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

2) Surge Mastercard

Surge Mastercard
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

CLICK HERE TO APPLY

3) OpenSky® Secured Visa® Credit Card

opensky
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

CLICK HERE TO APPLY

4) Green Dot primor® Visa® Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

CLICK HERE TO APPLY

5) Discover it Secured

  • No annual fee
  • Reports to all major credit bureaus
  • No late fee on your first late payment
  • No overlimit fee
  • Zero foreign transaction fees
  • 2% cash back in popular categories
  • 1% cash back on all other purchases

6) First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM
    locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

CLICK HERE TO APPLY

7) Wells Fargo Cash Back College

  • No annual fee
  • 0% intro APR on purchases for 6 months
  • 3% cash back on gas, grocery and drugstore purchases for the first 6 months
  • 1% cash back on all other purchases
  • 3% foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Black Friday 2019

The holidays are just around the corner, so you probably won’t want to miss the deals on Black Friday. This day is a big opportunity for you to save a lot of money, and if you use the right credit card to pay for your purchases, you can save even more.

black friday credit card

There are also other advantages, such as price protection and extended warranty. Check out the best credit cards for Black Friday bellow:

1) Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

2) REDcard Credit Card

  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.
  • Starbucks discount
  • Save 5% on everyday essentials delivered on your schedule when you subscribe, plus you save another 5% when you use your REDcard.
  • Free 2-day shipping
  • Save 5% on specialty gift cards for travel, restaurants, movie tickets and more when you use your REDcard.

CLICK HERE TO APPLY

3) Chase Sapphire Preferred Card

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on everything else
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty protection

4) Blue Cash Preferred from American Express

  • $300 bonus cash after spending at least $1,000 within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at US supermarkets (on up to $6,000 per year in purchases)
  • 3% cash back on trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
  • 3% cash back at US gas stations
  • 1% cash back on all other purchases
  • Return protection

5) Chase Freedom

  • $200 cash back after spending $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 5% cash back in combined purchases in bonus categories each quarter you activate
  • Cash back rewards do not expire
  • Purchase protection
  • Extended warranty protection

6) Discover it Cash Back

  • 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more
  • 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 14 months
  • No overlimit fee
  • No foreign transaction fee
  • Paying late won’t raise your APR
  • No late fee on your first late payment

7) Citi Double Cash Preferred

  • 0% intro APR on balance transfers for 18 months
  • No annual fee
  • Earn cash back twice – 1% cash back on purchases + 1 % cash back as you pay for those purchases
  • $0 liability for unauthorized charges
  • No caps or other category restrictions

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Balance Transfer Credit Cards (October 2019)

If you’re struggling with high-interest debt, you might benefit from using a balance transfer credit card. They come with an extended 0% APR promotional period, which will make you save money and time. Here’s our selection of the best cards of October 2019:

balance transfer credit cards

BankAmericard Credit Card

  • 0% intro APR for purchases and balance transfers for 15 months
  • $0 annual fee
  • No penalty APR
  • Free FICO score
  • Overdraft protection

Capital One Quicksilver Cash Rewards Credit Card

capital one quicksilver
  • No annual fee
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • $0 fraud liability
  • 0% intro APR on purchases and balance transfers for 15 months
  • Cash back rewards don’t expire
  • 1.5% unlimited cash back on every purchase

Amex EveryDay Credit Card

Amex Everyday
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 2 points per $1 spent at US supermarkets
  • 1 point per $1 spent on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

Wells Fargo Cash Wise Card

  • $150 cash rewards bonus after spending at least $500 in purchases within the first 3 months
  • Unlimited 1.5% cash rewards on purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Cash rewards don’t expire

Citi Simplicity Card

  • 0% intro APR on balance transfers for 21 months
  • 0% intro APR on purchases for 12 months
  • No annual fee
  • $0 liability on unauthorized charges
  • Choose your payment due date

Chase Freedom Unlimited

  • Unlimited 1.5% cash back
  • No annual fee
  • Cash back rewards don’t expire
  • Earn $200 cash back after spending at least $500 on purchases for the first three months
  • 0% intro APR for 15 months on purchases and balance transfers

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Credit Cards for Building Credit (October 2019)

Whether you’re new to credit or are trying to re-establish it, credit cards are great to have in your possession. If used responsibly, you can boost your score. You may also be granted a higher credit limit or an upgrade to a rewards card. Bear in mind that you’ll probably need to provide a security deposit, depending on the product you choose.

credit cards for building credit

Here’s our selection of the best credit cards for building credit in October 2019:

1) Indigo Platinum Credit Card

indigo platinum
  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

2) The First Progress Platinum Elite MasterCard® Secured Credit Card

first progress
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.

3) Reflex Mastercard

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $500.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

4) Capital One Secured MasterCard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

5) Surge Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

6) Credit One Bank® Platinum Visa® for Rebuilding Credit

credit one platinum
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Make paying your bill easier with the ability to choose your payment due date, terms apply

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Credit Cards for Students (October 2019)

If you’re a college student, it’s important to start building your credit early on. And a good and easy way is by getting the right credit card. Having an excellent credit report will make a great difference in your adult life. It will get you better interest rates when you decide to finance a car or a house, rewards like cash back and miles, among other things. Here are the best credit cards for college students of October 2019:

credit cards for students

1) Bank of America® Travel Rewards for Students

bank of america travel rewards
  • No annual fee
  • Earn 25,000 bonus points after spending at least $1,000 in purchases within the first three months
  • No foreign transaction fees
  • 1.5 points per $1 spent on all purchases everywhere
  • No blackout dates
  • Points never expire

2) Citi Rewards+ Student Card

  • No annual fee
  • 0% intro APR on purchases for 7 months
  • Earn 2,500 bonus points after spending at least $500 within the first three months
  • 2 points per $1 spent at supermarkets and gas stations
  • 1 point per $1 spent on all other purchases
  • Get 10% Points back for the first 100,000 ThankYou Points you reedem per year

3) Capital One Secured MasterCard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

Click here to apply.

4) Wells Fargo Cash Back College Card

  • No annual fee
  • Cell phone protection
  • Auto rental collision damage waiver
  • 3% cash rewards on gas, grocery and drugstore purchases for the first 6 months
  • 1% cash rewards on all other purchases
  • 0% intro APR on purchases and balance transfers for 6 months

5) BankAmericard® Credit Card for Students

bankamericard
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 months
  • $0 Liability Guarantee
  • Overdraft protection
  • Access your FICO® Score updated monthly for free

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Secured Credit Cards of 2019

Are you looking for a quick way to fix your credit score? The best way to do that is by getting a credit card. However, that’s not easily done if you have bad credit. That is where a secured credit card comes in. The difference between a standard credit card and a secured one is that you’ll be required to give a cash deposit, which will be used as collateral, and also as your credit line. 

secured credit cards

To fix your credit score, and also get access to a higher limit, you’ll need to use the card responsibly. Try to use the card for fewer purchases, and always pay the balance in full, preferably before the due date. After a few months, if your credit has improved, consider getting an unsecured credit card, since they usually have better interest rates and rewards like cashback and airline miles.

Capital One Secured MasterCard

  • No annual fee
  • $49, $99 or $200 refundable deposit
  • Access to a higher credit line after 5 months
  • Choose your own monthly due date and payment method

Apply now on our secure website

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Apply now on Capital Bank N.A. secure website

Green Dot primor Visa Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Apply now on our secure website

First Progress Platinum Select Mastercard Secured Credit Card

  • Reports to all three major credit bureaus
  • No minimum credit score required
  • 14.74% variable APR for purchases
  • Accepted nationwide
  • No minimum credit score
  • $39 annual fee

Apply now on our secure website

Wells Fargo Secured Visa Credit Card

  • $25 annual fee
  • Reports to all three major credit bureaus
  • Access to your FICO Credit Score
  • 20.74% APR rate on purchases and balance transfers
  • Your security deposit is equal to your credit line

Discover it Secured

  • Minimum deposit of $200
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then it’s 1% cash back
  • No annual fee
  • Reports to all major credit bureaus
  • 24.99% variable APR
  • Discover will match all the cash back earned at the end of the first year

Bank of America BankAmericard Secured

  • 24.99% variable APR
  • No annual fee
  • Zero-liability protection
  • Free FICO credit score access
  • $300 minimum security deposit

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The Best No-Annual Fee Credit Cards (September 2019)

Did you know you can receive cash back rewards and points even without paying an annual fee? These credit cards are an excellent option for someone who is looking for a good cost-benefit and still wants to enjoy the advantages of owning a card. We’ve selected the best no-annual fee credit cards for September 2019. Check them out below:

no annual fee credit cards

Bank of America Cash Rewards Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • $200 bonus offer after spending at least $1,000 within the first 3 months
  • 3% cash back in the category of choice
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • No annual fee

Citi Simplicity Card

  • 0% intro APR on purchases for 12 months
  • 0% intro APR on balance transfer for 21 months
  • $0 liability on unauthorized charges
  • No annual fee

Chase Freedom

  • 0% intro APR on purchases and balance transfers for 15 months
  • Earn a $200 after spending at least $500 on purchases within the first 3 months
  • No annual fee
  • 5% cash back on up to $1,500 in combined purchases in bonus categories
  • 1% cash back on all other purchases
  • Cash back doesn’t expire

Capital One VentureOne Rewards Credit Card

  • 20,000 bonus miles after spending at least $1,000 within the first 3 months
  • 1.25 miles per $1 spent on purchases
  • No foreign transaction fees
  • No annual fee
  • Travel accident insurance
  • Auto rental collision damage waiver

Capital One Quicksilver

  • $150 bonus after spending at least $500 on purchases within the first 3 months
  • 1.5% cash back on all purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • No annual fee

Wells Fargo Propel American Express Card

  • 30,000 bonus points after spending at least $3,000 in purchases for the first 3 months
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 12 months
  • Earn 3 points per $1 spent on eating out and ordering in, gas, flights, hotels and popular streaming services
  • Points never expire

American Express Cash Magnet Card

  • Earn a $150 bonus after spending at least $1,000 in purchases for the first 3 months
  • 1.5% unlimited cash back on your purchases
  • Car rental loss and damage insurance
  • Travel accident insurance
  • No annual fee

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best 0% Intro APR Credit Cards (September 2019)

Are you planning on making a new large purchase? A standard credit card will charge you fees if you leave a balance on them, but a 0% APR card will help you save money and give you more time to pay it. This means you won’t pay interest on purchases – and sometimes balance transfers – for up to 18 months, depending on the card.

1) Capital One Venture One

  • $0 annual fee
  • 1.25% miles per $1 dollar spent
  • Earn 20,000 bonus miles after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR rate on purchases for 15 months
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty

2) AmEx EveryDay Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • 10,000 bonus points after spending at least $1,000 in purchases within the first 3 months
  • No annual fee
  • 2 points per $1 spent at US supermarkets (on up to $6,000 per year)
  • 1 point per $1 spent on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

3) U.S. Bank Visa Platinum Card

  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • Cell phone protection
  • Fraud protection
  • 24/7 Account access
  • Free TransUnion credit score

4) Wells Fargo Platinum Visa Card

  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Cell phone protection
  • Zero liability protection
  • Roadside dispatch

5) Capital One Quicksilver Cash Rewards

  • No annual fee
  • 0% intro APR on purchases for 15 months
  • No foreign transaction fees
  • $150 cash bonus after spending $500 on purchases within the first 3 months
  • 1.5% cash back on all purchases

6) Capital One SavorOne Cash Rewards Credit Card

  • No annual fee
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • $150 cash bonus after spending at least $500 on purchases within the first 3 months
  • No foreign transaction fees
  • 0% intro APR rate on purchases for 9 months
  • Extended warranty
  • Travel accident insurance

7) Discover it Cash Back Credit Card

  • 5% cash back at different places each quarter
  • 1% cash back on all other purchases
  • Cash back match
  • 0% intro APR on purchases and balance transfers for 14 months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards Sign-Up Bonus Offers (August 2019)

Are you looking for a new credit card to take advantage of its points and miles? You should look for credit cards that offer new clients sign-up bonus points since it’s the quickest way to get them. You can trade these points for airline tickets, products or services, or even cash.

1) Chase Sapphire Preferred

  • 60,000 bonus points after spending at least $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining at restaurants
  • No foreign transaction fees
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • 1:1 Point transfer
  • $0 Fraud liability

2) Capital One Venture Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 2 miles per $1 spent on all purchases
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • Auto rental collision damage waiver

3) Citi / AAdvantage Platinum Select World Elite

  • 50,000 bonus points after spending $2,500 on purchases for the first 3 months
  • $0 intro annual fee, then it’s $99
  • First checked bag free
  • Preferred boarding
  • 2 points per $1 spent at restaurants and gas stations
  • 2 points per $1 spent on eligible American Airlines purchases
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees

4) Chase Freedom

  • $200 cash bonus after spending $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Cash back rewards don’t expire
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 1% cash back on all other purchases
  • Purchase protection
  • Extended warranty protection

5) Capital One Savor Cash Rewards

  • $300 cash bonus after spending $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance

6) Chase Sapphire Reserve

  • 50,000 bonus points after spending $4,000 on purchases within the first 3 months
  • No foreign transaction fees
  • $300 annual travel credit
  • 3 points per $1 spent on travel
  • 3 points per $1 spent on dining at restaurants worldwide
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Purchase protection
  • Return protection
  • No blackout dates or travel restrictions

7) Bank of America Premium Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining purchases
  • 1.5 points per $1 spent on all other purchases
  • No foreign transaction purchases
  • Purchase protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Travel Rewards Credit Cards (August 2019)

Did you know that you can travel less expensively with the help of great travel rewards credit cards? With them, you can purchase products and services overseas and not pay foreign transaction fees. These fantastic cards also offer other travel perks such as travel insurance, big sign-up bonuses, and cash rewards.

We’ve selected the best travel rewards credit cards. Check them out here:

1) Chase Sapphire Preferred Card

  • 60,000 bonus points after spending $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining at restaurants
  • 1:1 point transfer at airline travel partners
  • No foreign transaction fees
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Trip delay reimbursement
  • Purchase protection
  • Extended warranty protection

2) Chase Sapphire Reserve

  • 50,000 bonus points after spending $4,000 on purchases within the first 3 months
  • $300 annual travel credit
  • 3 points per $1 spent on travel and dining worldwide
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • Travel & purchase coverage

3) Capital One Venture Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 2 points per $1 spent on every purchase
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • Auto rental collision damage waiver
  • 24-hour travel assistance services

4) Blue Cash Everyday

  • No annual fee
  • 0% intro APR on purchase and balance transfers for 15 months
  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations and select US department stores
  • 1% cash back on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

5) Citi AAdvantage Platinum

  • 50,000 bonus points after spending $2,500 within the first 3 months
  • First checked bag is free
  • Preferred boarding
  • 2 points per $1 spent on eligible American Airlines purchases
  • 2 points per $1 spent at restaurants
  • 2 points per $1 spent at gas stations
  • No foreign transaction fees
  • $0 intro annual fee, then it’s $99

6) Discover it Miles

  • No annual fee
  • No blackout dates
  • 1.5 points per $1 spent on all purchases
  • Unlimited bonus at the end of your first year (terms apply)
  • Points never expire
  • $0 Fraud liability
  • No foreign transaction fees
  • No overlimit fee

7) Blue Cash Preferred

  • $250 cash bonus after spending $1,000 in purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at US supermarkets and US streaming subscriptions
  • 3% cash back on transit and at US gas stations
  • 1% cash back on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Purchase protection
  • Fraud protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The Best Credit Cards for Bad Credit of 2019

If you are struggling to find a credit card, it’s probably because you have applied for the wrong ones.

credit cards for bad credit

There are special credit cards in the market aimed at people with poor or no credit. They usually have fast approval and will help you rebuild your credit score if you use them responsibly.

You can apply to two different types of credit cards. Secured credit cards will require a security deposit to be used as collateral; and unsecured cards, which don’t need any down payment.

We’ve selected and reviewed the best credit cards for people with bad credit:

1) Indigo Platinum Credit Card

  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

Apply Now on our secure website

2) Capital One Secured Mastercard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the three major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first five monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

Apply Now on our secure website

3) Surge Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Apply Now on our secure website

4) First Latitude Platinum Mastercard

  • Build your credit
  • No annual fee
  • No minimum credit score required.
  • Quick and easy online application.

Apply Now on our secure website

5) First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Apply Now on our secure website

6) OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all three major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as six months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences and insights from others on our Facebook Fan page. (Search “OpenSky Card” on Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Apply Now on Capital Bank N. A. secure website

7) Green Dot Primor Visa Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Apply Now on our secure website

8) Reflex Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Apply Now on our secure website

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best No Annual Fee Credit Cards of July 2019

Did you know that you can take advantage of all the rewards and bonuses of credit cards without paying an annual fee? Enjoy cashback on your purchases, zero foreign transaction fees, 0% intro APR periods, and much more. Here are the seven best no annual fee credit cards of July 2019:

no annual fee credit cards

1) Bank of America Cash Rewards Credit Card

  • $200 bonus offer after making at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • 3% cash back on gas, online shopping dining, travel, drug stores or home improvement purchases; 2% at grocery stores and wholesale clubs, 1% cash back on all other purchases
  • Cash rewards don’t expire

2) Citi Double Cash Card

  • 2% cash back – 1% when you buy + 1% when you pay
  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • No caps and no category restrictions
  • Zero liability charges

3) Chase Freedom Unlimited

  • 1.5% cash back on all purchases
  • 1.5% additional cash back on all purchases for the first year (terms apply)
  • Zero annual fee
  • Rewards never expire
  • Redeem points any time

4) Capital One Quicksilver Rewards Card

  • $150 cash bonus after spending $500 within the first 3 months
  • 1.5% cash back on all purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 months
  • No foreign transaction fees
  • Cash back points don’t expire
  • Travel accident insurance

5) Discover it Balance Transfer

  • 5% cash back at different places like gas stations, grocery stores, restaurants and Amazon.com
  • 1% unlimited cash back on all other purchases
  • Rewards don’t expire
  • Discover it cash back match
  • No annual fee
  • 0% intro APR on balance transfers for 18 months
  • 0% intro APR on purchases for 6 months on purchases

6) Blue Cash Everyday Card from AmEx

  • $150 bonus after spending $1,000 in purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • 3% cash back at US supermarkets; 2% cash back at US gas stations; 1% cash back on other purchases
  • Zero annual fee
  • Car rental loss and damage insurance
  • Travel accident insurance

7) HSBC Cash Rewards Mastercard Credit Card

  • 3% intro cash back in the first 12 months from account opening (terms apply)
  • 1.5% unlimited cash back
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • $0 foreign transaction fees
  • Cellphone protection
  • Fraud protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Credit Cards With Low Minimum Spend Requirements

You don’t need to spend a lot of money to enjoy the greatest perks and benefits that credit cards can offer you. Some card issuers provide awesome advantages with low minimum spending requirements. We’ve selected the best suggestions for you. Check it out:

credit card

Chase Freedom

  • Earn a $150 bonus after spending at least $500 in purchases in your first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 5% cash back on up to $1,500 in combined purchases each quarter
  • 1% cash back on all other purchases
  • Cash back never expires
  • Contactless

Avianca Vuela Visa Card

  • Earn 40,000 Bonus Points after first card use
  • 3 points per $1 spent on Avianca purchases
  • 2 points per $1 spent at gas stations and grocery stores
  • 1 point per $1 spent on everything else
  • Zero foreign transaction fees
  • 0% intro APR on balance transfers for 12 months
  • Travel accident insurance
  • Auto rental collision damage waiver

Amex EveryDay Preferred Credit Card

  • Earn 15,000 points after spending $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • 3 points per $1 spent at US supermarkets, 2 points at US gas stations, 1 point on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Earn 50% extra points by using your card 30 or more times on purchases in a billing period and

Capital One VentureOne Rewards Card

  • Earn 20,000 bonus points after spending $1,000 on purchases within the first 3 months
  • 1.25 miles per $1 spent on purchases
  • 0% intro APR on purchases for 12 months
  • No foreign transaction fees
  • Extended warranty
  • Auto rental collision damage waiver

Blue Cash Everyday Card From AmEx

  • Earn $150 bonus after spending $1,000 in purchases in the first 3 months
  • No annual fee
  • 3% cash back at US supermarkets, 2% at US gas stations, 1% on all other purchases
  • 0% intro APR on purchases and balance transfers for 15 months
  • Cash back can be redeemed for statement credit, gift cards and merchandise.

Capital One Quicksilver Cash Rewards

  • Earn $150 cash bonus after spending $500 on purchases within the first 3 months
  • No annual fee
  • 1.5% unlimited cash back on every purchase
  • No foreign transaction fees
  • 0% intro APR on purchases and balance transfers for 15 months
  • Extended warranty

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 6 Best Credit Cards for July 2019

Maximize your points, cashback rewards, and save lots of money by choosing the best credit cards in the market. Our experts created a guide with great credit cards for July 2019. Check them out here:

credit cards

1) Wells Fargo Propel American Express Card

  • 30,000 bonus points when you spend 3,000 in purchases for the first 90 days
  • 3 points per $1 spent on eating out and ordering in, gas, rideshares, and transit; flights, hotels, homestays, and car rentals; popular streaming services
  • 1 point per $1 spent on other purchases
  • No annual fee
  • No foreign transaction fees
  • 0% intro APR on purchases and balance transfers for 12 months

2) Citi Premier Card

  • 60,000 bonus points after spending at least $4,000 in purchases for the first 90 days
  • 3 points per $1 spent on travel (including gas stations); 2 points at restaurants and on entertainment; 1 point on all other purchases
  • No foreign transaction fees
  • $95 annual fee
  • Redeem for $750 in airfare on any airline, anytime with no blackout dates

3) AAdvantage Aviator Red World Elite Mastercard

  • 2 points per $1 spent on elegible American Airline purchases
  • 1 point per $1 spent on all other purchases
  • First elegible checked bag free on domestic American Airlines
  • Preferred boarding
  • Receive 25% on inflight food and beverage purchases
  • No foreign transaction fees
  • $0 Fraud liability

4) US Bank Cash+ Visa Signature Card

  • 5% cash back on your first $2,000 in elegible purchases each quarter on two categories you choose
  • 2% cash back on one everyday category like gas stations, grocery stores or restaurants
  • $150 bonus after spending at least $500 in elegible net purchases within the first 90 days
  • 0% intro APR on balance transfers for 12 months
  • No annual fee

5) Capital One Savor Cash Rewards Credit Card

  • No foreign transaction fees
  • $0 intro annual fee, then it’s $95
  • $300 bonus after spending $3,000 on purchases within the first 3 months
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • No minimum redemption

6) Wells Fargo Cash Wise Visa Card

  • $150 cash rewards after spending at least $500 in purchases within the first 3 months
  • No annual fee
  • Unlimited 1.5% cash rewards on purchases
  • 0% intro APR on purchases and balance transfers for 15 months
  • Rewards don’t expire

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7 Best Credit Card Sign-Up Bonus Offers (June 2019)

Did you know that many credit card issuers that offer great sign-up bonuses? We made a list of the best offers for June 2019 for you not to miss on these awesome deals.

1) Bank of America Cash Rewards

  • Earn a $200 online cash bonus after spending at least $1,000 in purchases within the first 90 days of account opening.
  • Pay no annual fee
  • 0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months
  • Earn 3% cash back on gas; 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases

2) Capital One Savor Cash Rewards Credit Card

  • Get a one-time $300 bonus after spending $3,000 on purchases within the first 3 months from account opening.
  • $0 intro annual fee, then it’s $95
  • No foreign transaction fees
  • Enjoy 4% cash back on dining and entertainment; 2% at grocery stores and 1% on all other purchases.

3) Gold Delta SkyMiles Credit Card

  • Receive 60,000 bonus points after spending at least $2,000 in purchases within the first 3 months.
  • Pay no annual fee.
  • Zero transaction fees.
  • First checked bag free on Delta flights.
  • Earn 1 mile per $1 spent on all purchases.

4) Capital One Quicksilver

  • Enjoy a one-time $150 cash bonus once you spend $500 within the first 90 days.
  • No annual fee
  • $0 transaction fees.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Extended warranty
  • 24-hour travel assistance service
  • Travel accident insurance

5) Citi Premier Card

  • Earn 60,000 bonus points after spending $4,000 with your card within the first 3 months of account opening
  • Receive 3 points per $1 spent on travel; 2 points at restaurants and on entertainment; 1 point on all other purchases
  • No foreign transaction fees
  • Redeem for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou Travel.

6) Wells Fargo Propel American Express

  • 30,000 bonus points after spending $3,000 in purchases in the first 3 months
  • Receive 3 points per $1 spent on eating out and ordering in, gas, rideshares, and transit, flights, hotels, homestays, and car rentals; and 1 point on all other purchases
  • Zero annual fee
  • No foreign currency conversion fees
  • 0% intro APR on purchases on purchases and balance transfers for 12 months.

7) Citi / AAdvantage Platinum Select World Elite Mastercard

  • Earn 60,000 bonus points after spending at least 3,000 in purchases within the first 3 months of account opening
  • ZERO foreign transaction fees on purchases
  • Receive 2 miles for every $1 spent at restaurants and gas stations.
  • $0 intro annual fee, then it’s $99

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10 Best Low Interest Credit Cards (May 2019)

There are many credit card options in the market, with a wide variety of benefits and charges. Some issuers offer great 0% intro APR periods, low rates, and additional benefits, while others may charge a high APR rate – which can reach 30% or more. This is why it is essential to research before applying for a credit card.

low interest credit card

Here are the ten best low interest credit cards:

1) Citi Simplicity Card

  • 0% intro APR on purchases and balance transfers for 21 months, then it’s 16.24%-26.24%, depending on your creditworthiness
  • No late fees
  • No penalty rates
  • No annual fee
  • 3% foreign transaction fee
  • 5% cash advance fee

2) U.S. Bank Visa Platinum Card

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 20 months, then it’s 14.74%-25.74%
  • Cell phone protection
  • Fraud protection
  • Choose your payment date
  • 24/7 account access

3) Chase Freedom

  • 0% intro APR on purchases and balance transfers for 15 months, then it’s 17.24-25.99%
  • No annual fee
  • 5% cash back in bonus categories, 1% cash back on all other purchases
  • Contactless – just tap to pay
  • Earn a $150 cash bonus after spending at least $500 on purchases within the first 3 months

4) Wells Fargo Propel American Express Card

  • No annual fee
  • Points do not expire
  • 0% intro APR on purchases and balance transfers for 12 months, then it’s 16.24-27.24%
  • No foreign currency conversion fees
  • Earn 30,000 bonus points after spending at least $3,000 in purchases within the first 3 months
  • 3 points per dollar spent on gas, flights, hotels, car rentals, and other selected categories
  • 1 point per dollar spent on all other purchases

5) BankAmericard Credit Card

  • No annual fee
  • Free FICO score
  • 0% intro APR on purchases and balance transfers for purchases and for any balance transfers made within 60 days of opening your account, then it’s 15.24% to 25.24%.
  • No penalty APR
  • $0 Liability Guarantee

6) Capital One VentureOne Rewards Credit Card

  • $0 intro annual fee, then it’s $95 after that
  • Earn 50,000 miles after spending $3,000 on purchases within the first 3 months
  • 2 points per $1 spent on every purchase
  • No foreign transaction fees
  • 17.99-25.24% variable APR

7) Capital One QuickSilver Cash Rewards Card

  • No annual fee
  • 1.5% cash back on all purchases
  • Enjoy a $150 cash bonus after spending at least $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months, then it’s 16.24-26.24%
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • Auto rental collision damage waiver

8) PenFed Promise Visa Card

  • No penalty APR
  • 4.99% intro APR for 12 months, then it’s 11.99-17.99%, based on your creditworthiness
  • Earn a $100 statement credit after spending at least $1,500 within the first three months
  • No cash advance fees
  • No balance transfer fees

9) Discover it Balance Transfer

  • No annual fee
  • 0% intro APR on purchases for 6 months; 0% intro APR on balance transfers for 18 months – then it’s 14.24-25.24%
  • No foreign transaction fees
  • 5% cash back in certain bonus categories
  • 1% cash back on all other purchases

10) American Express Cash Magnet Card

  • Earn a $200 bonus after spending at least $1,000 in purchases within the first 3 months
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months, then it’s 15.24-26.24%
  • 1.5% unlimted cash back on purchases
  • Accepted at over 1.5 million more places in the US.

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6 Things You Should Consider When Choosing a Credit Card

If you are considering getting a new credit card, you will probably get lost with card offers and deals in an abundance. Sure, credit cards are fantastic, but as Uncle Ben once told Spider-Man, “With great power comes great responsibility.” You should always do prior research before getting a card and never apply to too many of them as it might damage your credit score.

choosing a credit card

Here are six things you should consider when choosing a credit card:

1) Why do you want a credit card?

The first thing you must ask yourself before applying for a credit card is why you want to do it. Do you have bad credit and want to rebuild it? If so, choose a card that reports to the major credit bureaus, and use it with responsibility. Are you a frequent traveler who wants a credit card for the miles? Find a card that offers the most points and rewards on those purchases. There is a vast variety of options, and you need to choose your priorities before applying for a new card.

2) What are the interest rates?

If you were ever in debt, you would know that interest rates can become a massive problem when you don’t pay your bills on time. Compare the APR (annual percentage rate) on different credit cards to choose the cheapest one. Some even offer an introductory zero percent period to entice people into applying, but never forget to check what the rate after the promotional period ends so you don’t end up with an unpleasant surprise.

3) What is the credit card limit?

A credit limit is the maximum amount the issuer lets you borrow on your card at any given point of time, which can vary depending on the person. Sure, having a high credit limit on your credit card may seem amazing at first, but you should be careful if you are new to credit. Always try not to max your credit limit out, because it can hurt your credit score.

4) Penalties

Those people who don’t have discipline using their cards may have to pay a considerable price. Did you know that some issuers can raise your interest rates after one late payment? Be sure to always read their terms of service before applying.

5) Is there an annual fee?

Some credit card issuers usually charge a fee to their cardholders for merely owning a card, which is known as an annual fee. If you have a good score, chances are you won’t need to pay this charge since many issuers don’t impose annual fees.

6) What are the perks offered?

Most companies offer great incentives or benefits for credit card holders. Some of the best ones are cash back (where a percentage of the money you spent on your card is given back to you), lounge access, miles, free hotel nights, etc. Be aware of some details. See if your points expire, or if there are travel restrictions.

5 Best Credit Cards For Military 2019

Did you know that as a military member, you and your family can benefit from many exclusive perks, such as cash back rewards, zero foreign transaction fees, and lower APR rates? We created a list of the best credit cards for military members in 2019. Check it out here:

1) PenFed Platinum Rewards Visa Signature Card

  • 5 points per $1 spent on gas; 3 points per $1 spent at supermarkets; 1 point per $1 spent on all other purchases
  • No annual fee
  • No blackout dates
  • Earn a $100 bonus after spending at least $1,500 within the first 3 months
  • Redeem points for travel, merchandise or gift cards
  • 0% intro APR on balance transfers for 12 months

2) USAA Cashback Rewards American Express

  • 5% cash back on gas and military bases
  • 2% cash back on groceries
  • 1% cash back on all other purchases
  • No annual fee
  • No foreign transaction fees
  • Special 4% SCRA Rate
  • Zero liability
  • No foreign transaction fees
  • Get 4% APR on all balances for up to 12 months during deployments or PCS

3) Navy Federal nRewards Secured Credit Card

  • No annual fee
  • No balance transfer fees
  • No cash advance fees
  • $0 foreign transaction fees
  • Earn 1 point per $1 spent
  • Cell phone protection
  • Good for establishing or rebuilding credit

4) USAA Secured Visa

  • No foreign transaction fees
  • Good for establishing or rebuilding credit
  • Security deposit from $250 to $5,000
  • Extended warranty
  • USAA extends a special 4% SCRA rate to any account when you enter active duty military service
  • 4% APR for up to 12 months during deployment or PCS
  • Free credit score
  • No penalty APR

5) PenFed Promise Visa Card

  • No balance transfer fees
  • No annual fee
  • No foreign transaction fees
  • No cash advance fees
  • 4.99% promo APR on balance transfers for 12 months
  • Earn $100 after spending at least $1,500 within the first 3 months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Everyday Use (May 2019)

It is a known fact that there is no such thing as a perfect credit card. It will all depend on your spending habits, daily use, and needs. To find the best one for you, you need to see  where you spend most of your money, for example, if you travel a lot, you need a card that doesn’t charge foreign transaction fees, and offers the most points on travel purchases, or if you dine out a lot, you should choose a card that offers the most cash back on these purchases.

everyday credit card

Here are the seven best credit cards for everyday use:

1) Chase Freedom Unlimited

  • Earn 3% cash back on all purchases in your first year (up to $20,000 spent, after that you will earn 1.5%)
  • No annual fee
  • Cash back rewards never expire (as long as your account is open)
  • 0% intro APR on purchases and balance transfers for 15 months
  • Purchase protection
  • Extended warranty

2) Capital One Venture Rewards Credit Card

  • $0 intro annual fee, then it is $95
  • Earn 2 miles per $1 spent on all purchases
  • Enjoy 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • No foreign transaction fees
  • Extended warranty
  • Auto rental collision damage waiver
  • Travel accident insurance

3) Amex Everyday Preferred Credit Card

  • Earn 15,000 points after spending at least $1,000 within your first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • Get 3 points per $1 spent at US supermarkets; 2 points per $1 spent at US gas stations
  • 1 point per $1 spent on all other purchases
  • Earn 50% extra points (terms apply)
  • $95 annual fee

4) Blue Cash Everyday from American Express

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Earn a $200 bonus after spending at least $1,000 in purchases within the first 3 months
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Purchase protection

5) Citi Double Cash Card

  • Earn cash back TWICE – 1% on purchases, 1% as you pay
  • No annual fee
  • 0% intro APR on balance transfers for 18 months
  • Credit card late fee pass – get a pass on your first late fee
  • No caps or category restrictions

6) Bank of America Premium Rewards Card

  • Get 50,000 bonus points after spending at least $3,000 on purchases within the first 90 days
  • No foreign transaction fees
  • 2 points per $1 spent on travel purchases
  • 2 points per $1 spent on dining purchases
  • 1.5 points per $1 spent on all other purchases
  • Free credit score check
  • Get up to $200 in travel statement credit rewards

7) Discover it Miles

  • Earn 1.5% cash back on all purchases
  • No blackout dates
  • Discover will match the miles you’ve earned at the end of your first year
  • No annual fee
  • Your miles never expire
  • $0 fraud liability
  • No foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Contactless Credit Cards

Do you know what contactless credit cards are? They are already common in many countries like Canada, Australia, and the UK. Instead of swiping and signing, you just tap your card to a terminal to purchase something. It is quicker, simpler and easier. This technology is still being implemented in the US, but fortunately, some companies already offer contactless credit cards.

contactless credit cards

Here are the six best contactless credit cards:

1) The Costco Anywhere Visa Card by Citi

  • No annual fee
  • 4% cash back on elegible gas worldwide
  • 3% cash back on restaurant and elegible travel purchases
  • 2% cash back on all other purchases from Cotsco and Cotsco.com
  • 1% cash back on all other purchases
  • Extended warranty
  • Worldwide car rental insurance
  • Worldwide travel accident insurance
  • Travel and emergency assitance

2) Chase Sapphire Reserve

  • 50,000 bonus points after spending at least $4,000 on purchases within the first three months
  • 3 points per 1 dollar spent on travel and dining purchases
  • 1 point per 1 dollar spent on all other purchases
  • No foreign transaction fees
  • Travel and purchase coverage
  • 19.24-26.24% variable APR
  • $450 annual fee

3) Blue Cash Everyday Card from American Express

  • No annual fee
  • Earn a $200 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • Get a decision in seconds

4) Capital One Quicksilver Cash Rewards Credit Card

  • Unlimited 1.5% cash back on all purchases every day
  • No annual fee
  • Earn a $150 cash bonus after spending at least $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • 24-Hour travel assistance services

5) Capital One SavorOne Credit Card

  • No foreign transaction fees
  • $0 intro annual fee, then it’s $95
  • Earn a $300 cash bonus after spending at least $3,000 on purchases within the first three months
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • Extended warranty

6) Chase Freedom

  • Earn a $150 bonus after spending at least $500 within the first 3 months
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • 5% cash back in combined purchases in bonus categories
  • 1% cash back on all other purchases
  • Rewards do not expire

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Bad Credit (May 2019)

Did you know that you can get a credit card even with bad credit? You will probably not get the best rewards or APR rates, and they will require a security deposit, but these cards are excellent tools to rebuild your score if you use them responsibly.

bad credit

Here are the seven best credit cards for bad credit:

1) First Progress Platinum Prestige Mastercard

  • Reports to all major credit bureaus
  • $200-2000 security deposit
  • 24/7 access to your account
  • Quick application
  • No minimum credit requirement
  • Zero fraud liability

2) Citi Secured Mastercard

  • $200-2000 security deposit
  • No annual fee
  • $0 fraud liability
  • 24.74% variable APR fee
  • 3% foreign transaction fees

3) U.S. Bank Secured Visa Card

  • Reports to all major credit bureaus
  • $300-5000 security deposit
  • Zero fraud liability
  • Free credit score
  • $29 annual fee
  • 21.24% variable APR
  • Earn interest on your deposit

4) Green Dot primor Visa Gold Secured Card

  • Reports to all major credit bureaus
  • Easy application
  • 9.99% fixed APR
  • $200-5000 security deposit
  • 3% foreign transaction fees
  • $49 annual fee

5) Credit One Bank Platinum Visa

  • Earn 1% cash back on elegible purchases
  • $0 Fraud Liability
  • Reports to all major credit bureaus
  • Applying does not hurt your credit score
  • 20.24%-26.24% variable APR
  • $0-99 annual fee

6) First Access Solid Black VISA Credit Card

  • Reports to all major credit bureaus
  • Get a result in seconds
  • Bad credit accepted
  • $300 credit limit
  • 24/7 online customer center

7) Bank of America BankAmericard Secured Card

  • $39 annual fee
  • 20.24% APR fee
  • 3% foreign transaction fee
  • Free credit score
  • 1-3% cash back
  • Deposit return after responsible use

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

 

 

The 12 Best Travel Credit Cards of 2019

If you are an avid traveler, you know that traveling can get costly. You will need a great travel credit card if you want to save some money and avoid paying unnecessary fees. A good card will often offer the following: high rewards rates, great sign-up bonuses, cash back, no foreign transaction fees, and perks like free checked bags and airport lounge access.

travel credit cards

Here is our selection of the twelve best travel credit cards:

1) Chase Sapphire Credit Card

  • No foreign transaction fees
  • 2 points per $1 spent on travel and dining at restaurants
  • 1 point per $1 spent on all other purchases
  • No blackout dates or travel restrictions
  • Enjoy 60,000 bonus points after spending at least $4,000 within three months
  • $95 annual fee

2) Capital One Venture Rewards Credit Card

  • $0 intro annual fee, then it’s $95
  • No foreign transaction fees
  • No blackout dates
  • 2 points per 1 dollar spent
  • 10 points on selected hotels (through January 2020)
  • Points never expire

3) Chase Marriott Bonvoy Boundless Card

  • Earn 100,000 bonus points after spending at least $5,000 within the first 3 months (Limited Time Offer)
  • No foreign transaction fees
  • Free night award every year
  • 6x points per $1 spent at selected hotels
  • 2x points per $ 1 spent on all other purchases
  • $95 annual fee

4) Wells Fargo Propel American Express Card

  • No annual fee
  • $0 intro APR on purchases and balance transfers for 12 months
  • 30,000 bonus points after spending at least $3,000 in purchases within the first 3 months
  • 3x points per $1 spent on eating out and ordering in, gas, flights, hotels, car rentals, and popular streaming services
  • 1x point per $1 spent on all other purchases
  • No blackout dates

5) American Express Gold Card

  • No foreign transaction fees
  • $250 annual fee
  • 35,000 bonus points after spending at least $2,000 within the first 3 months
  • 4x points at US restaurants and supermarkets
  • 3x points on flights booked directly with airlines or on amextravel.com

6) Barclaycard Arrival Plus World Elite Mastercard

  • No foreign transaction fees
  • Earn 70,000 bonus points after spending at least $5,000 on purchases within the first 90 days
  • Unlimited 2x points on every purchase
  • Points don’t expire
  • Get 5% miles back to use toward your next redemption

7) Discover it Miles

  • No blackout dates
  • Unlimited 1.5% miles
  • No annual fee
  • No blackout date
  • Free credit score
  • Earn twice – They will match all the miles you’ve earned at the end of your first year

8) Blue Cash EveryDay From American Express

  • No annual fee
  • Earn a $150 bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • 3% cash back at US supermarkets; 2% cash back at US gas stations and select US department stores; 1% cash back on all other purchases
  • Cash back doesn’t expire

9) Chase Freedom Unlimited

  • No annual fee
  • 3% cash back on all purchases in your first year (up to $20,000 spent)
  • Cash back doesn’t expire
  • Redeeem any amount at any time
  • 0% intro APR on purchases and balance transfers for 15 months

10) Citi Premier Card

  • Enjoy 50,000 bonus points after spending at least $4,000 in purchases within the first three months
  • Points don’t expire
  • 3 points per $1 spent on travel ; 2 points per $1 spent at restaurants and entertainment; 1 point per $1 spent on all purchases
  • No foreign transaction fees
  • Points Transfer allows you to transfer points to participating airline loyalty programs

11) Bank of America Premium Rewards Credit Card

  • 50,000 bonus points after spending at least $3,000 in purchases within the first three months
  • No foreign transaction fees
  • $95 annual fee
  • 2 points per $1 dollar spent on travel and dining purchases
  • 1.5 points per $1 dollar spent on all other purchases
  • Points never expire

12) Southwest Rapid Rewards Priority Card

  • No foreign transaction fees
  • Earn 40,000 points after spending at least $1,000 on purchases within the first 3 months
  • 2 points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases
  • 7,500 bonus points after your Cardmember anniversary.

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

 

 

The Best Cash Back Credit Cards of 2019

Did you know that you can earn part of your money back on every purchase you make with your credit card?

cash back credit cards

This is possible because some card companies offer fantastic cash back rewards along with other amazing bonuses. That means you can get anywhere from 1% up to 5% back.

These rewards can add up, potentially saving you thousands of dollars at the end of the year. We’ve selected and reviewed the best ones here:

Check out the ten best cash back credit cards of 2019:

1) Chase Sapphire Visa

Chase offers a great bonus of 60,000 points for new credit card holders after spending at least $4,000 on purchases within the first three months from account opening. You can also benefit from 2 points per dollar spent on travel and dining, premium travel & dining rewards, 1:1 point transfer and no foreign transaction fees, making it a great card for people who love to travel.

2) Discover it Cash Back

Tired of paying foreign transaction fees? With this card, you won’t need to worry about that. Enjoy double cash back in the first year, and a 5% bonus cash back on selected categories. Discover it also offers a 0% intro APR period for purchases and balance transfers for 14 months, and free credit score consultation.

3) Capital One Savor Cash Back Rewards Card

With the Capital One Savor Cash Back, the annual fee is waived in the first year, and then it’s only $95, and you won’t pay foreign transaction fees. New members benefit from the $500 cash bonus after spending at least $3,000 within the first three months. Capital One gives unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

4) Capital One Quicksilver Cash Rewards Card

If you get this card, you won’t have to pay an annual fee. You can also benefit from the 0% intro APR on purchases for 15 months, and the $150 cash bonus after spending at least $500 on purchases within the first three months. Earn unlimited 1.5% cash back on all purchases. If you like to travel, you’ll love that this card has travel accident insurance and auto rental collision damage waiver.

5) Citi Double Cash Card

With Citi Double Cash Card you can earn twice – once you purchase something and 1% as you pay. All of that combined with no annual fee, 0% intro APR on balance transfers for 18 months, and $0 fraud liability.

6) Blue Cash Preferred Card American Express

American Express gives a $250 cash bonus for new members after spending at least $1000 in purchases for the first three months. You can also get a 0% intro APR promotion on purchases and balance transfers for 12 months. Blue Cash Preferred has one of the best cash back rewards on the market. It offers 6% cash back at US supermarkets; 3% at US gas stations and 1% on all other purchases.

7) HSBC Cash Rewards Mastercard Credit Card

With this card you can earn 3% intro cash back on all purchases for the first 12 months (up to $10,000), then it’s 1.5%. You can also get 0% intro APR on purchases and balance transfers for 12 months. HBSC Cash Rewards comes with zero annual and foreign transaction fees.

8) Bank of America Cash Rewards Credit Card

Earn a $200 cash bonus after spending at least $1,000 within the first three months. With this credit card you can enjoy 3% cash back on a category of choice; 2% on groceries and wholesale club purchases, and 1% on all other purchases. Cash back never expires, and you only need to accumulate 25 dollars to redeem it. All of that with no annual fee.

9) Discover it Chrome

New cardholders won’t have to pay an annual fee to have this card. They’ll also get 2% cash back on restaurants and gas station purchases, and 1% on all other purchases. They can redeem rewards at any time, and they never expire. Discover it Chrome will also match your reards at the end of your first year, maximizing your rewards.

10) Wells Fargo Cash Wise Visa Card

Wells Fargo offers a $200 cash reward after new cardholders spend at least $1,000 within the first three months. It also comes with 1.5% unlimited cash back, which never expire, and $0 annual fee. You can also take advantage of the 0% intro APR on purchases and balance transfers for 12 months and cell phone insurance.

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Card Offers For April 2019

Which is the best credit card? Actually, there is no right answer to this question because it depends on your spending habits, needs, and lifestyle. We made a list of our top picks for you to choose the best card. Enjoy the best rewards, bonuses, and perks.

best credit cards

Here are the ten best credit card offers for April 2019:

1) Chase Sapphire Preferred Card

  • No foreign transaction fees
  • Enjoy 60,000 bonus points after spending at least $4,000 within the first 3 months
  • Zero blackout dates or travel restrictions
  • 2 points per dollar spent on travel and dining; 1 point per dollar spent on other purchases
  • 1:1 point transfer to leading airline and hotel loyalty programs

2) Wells Fargo Cash Wise Visa Card

  • No annual fee
  • Rewards never expire
  • $0 introductory APR for 12 months
  • Get a $200 cash reward bonus after spending at least $1,000 in purchases within the first 3 months
  • 1.5% cash back on purchases

3) Chase Freedom

  • $0 annual fee
  • Free credit score check
  • Get a 5% cash back on certain categories; and 1% on all other purchases
  • Enjoy a $150 bonus after spending $500 on purchases within the first 3 months
  • 0% Intro APR on purchases and balance transfers for 15 months
  • Rewards do not expire

4) Capital One Venture Rewards Credit Card

  • $0 Intro annual fee, then it is $95
  • Points do not expire
  • Enjoy 50,000 bonus points after spending at least $3,000 within the first 3 months
  • No foreign transaction fees
  • Earn 2 points per $1 spent on purchases
  • No blackout dates

5) Bank of America Premium Rewards Cards

  • Earn 50,000 bonus points after spending at least $3,000 spent on purchases within the first 3 months
  • Pay no foreign transaction fees
  • Get 2 points for every 1 dollar spent on travel and dining purchases
  • And 1 point per $1 spent on all other purchases
  • Points never expire

6) American Express Gold Card

  • No foreign transaction fees
  • Enjoy 35,000 bonus points after spending at least $2,000 on purchases within the first 3 months
  • Get 4x points at US restaurants and supermarkets; 3x points on flights booked directly with airlines;
  • $100 Airline Fee Credit
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • $250 annual fee

7) Capital One Quicksilver

  • $0 Annual fee
  • No foreign transaction fees
  • 1.5% cash back on ALL purchases
  • 0% intro APR on purchases and balance transfers for 15 months
  • Enjoy a $150 cash bonus after spending at least $500 on purchases within the first 3 months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Small Business Credit Cards (February 2019)

Do you own or are you planning to build a new company? You should probably consider getting a business credit card. These cards will help you save money on business purchases, along with many other perks such as cash back and sign-up bonuses.

Here are the seven best small business credit cards for February 2019:

1) Bank of America Business Advantage Travel Rewards World Mastercard Credit Card

  • No annual fee
  • Earn 25,000 bonus points after spending at least $1,000 within the first 60 days
  • No foreign transaction fees
  • 0% intro APR on purchases for 9 months, then it’s 13.49% – 23.49%
  • 1.5 points for each $1 spent

2) Delta Reserve for Business Credit Card

  • No foreign transaction fees
  • 2 points per $1 spent on Delta purchases
  • 1 point per $1 spent on everything else
  • Earn 40,000 bonus points and 10,000 Medallion Qualification Miles after spending at least $3,000 within the first 3 months
  • Earn 15,000 Medallion Qualification Miles and 15,000 bonus miles after spending $30,000 in the first year

3) The Blue Business Plus Credit Card from American Express

  • No annual fee
  • $0 intro APR on purchases and balance transfers for the first 15 months
  • Earn 2 points per $1 spent on purchases (for the first $50,000 you spend annually)
  • Earn 2 points per $1 spent on everyday business purchases

4) Chase Ink Business Cash Credit Card

  • Earn $500 bonus points after spending $3,000 within the first 3 months
  • $0 intro APR on purchases and balance transfers for 12 months
  • Free additional cards for employees
  • 5% cash back on the first $25,000 on business purchases
  • 2% cash back on the first $25,000 at gas stations and restaurants
  • 1% cash back on other purchases

5) Citi Business Credit Card

  • 70,000 bonus miles after spending at least $4,000 within the first 4 months
  • $0 intro annual fee, then it’s $99
  • 2 points per $1 spent on American Airlines, telecommunications, car rentals and gas
  • 1 point per $1 spent on everything else
  • First checked bag free on domestic American Airlines itineraries for you and up to four travel companions
  • No foreign transaction fees on overseas purchases
  • Preferred boarding on American Airlines flights

10 Best 0% Interest Credit Cards (February 2019)

It is safe to say that no one likes paying interest fees. Therefore, getting these cards will help you save some bucks, earn some points and manage your debt. We made a list with the best zero interest credit card offers of February 2019:

1) Citi Simplicity Card

  • No annual fee
  • 0% intro APR on balance transfers for 21 months
  • 0% intro APR on purchases for 12 months
  • Free credit checks
  • No penalty rates
  • No late fees

2) Sphere Credit Card Santander

  • No annual fee
  • 0% intro APR on purchases for 12 months
  • 0% intro APR on balance transfers for 24 months
  • 1 point per $1 spent on purchases

3) U.S. Bank Visa Platinum Card

  • 0% intro APR on purchases for 18 months
  • 0% intro APR on balance transfers for months
  • Cell phone protection
  • Free credit score
  • Choose your payment due date

4) Truly Simple Card from Fifth Third Bank

  • No annual fee
  • 0% intro APR on purchases for 15 months
  • 0% intro APR on balance transfers for 15 months
  • Good or excellent credit required

5) Chase Slate Credit Card

  • No annual fee
  • 0% intro APR on purchases for the first 15 months
  • 0% intro APR on balance transfers for 60 days
  • No penalty APR
  • Free credit report
  • Purchase protection

6) BlueCash Everyday Card from American Express

  • No annual fee
  • Earn a $200 statement credit after spending at least $1,000 within the first 3 months
  • 6% cash back at U.S. supermarkets
  • 3% cash back at U.S. gas stations
  • 0% intro APR on purchases and balance transfers for 12 months

7) CapitalOne VentureOne

  • No annual fee
  • 1.25 miles per 1 dollar spent
  • 20,000 bonus miles after spending at least $1,000 within the first 3 months
  • No foreign transaction fees
  • Extended warranty

8) Bank of America Travel Rewards from Students

  • No annual fee
  • 1.5 points per $1 spent on purchases
  • 25,000 bonus points after spending at least $1,000 within the first 90 days
  • Redeem points for travel or statement credit
  • 10% bonus points for Bank of America account holders

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

 

7 Best Credit Cards for Everyday Spending (January 2019)

Do you want a credit card that fits your everyday needs? You may want to consider getting a card that offers the most rewards for your daily use. We have elected the best options for you to make the best choice:

1) Blue Cash Preferred

  • 6% cash back at US supermarkets
  • 3% cash back at US gas stations
  • 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • Purchase protection
  • Car rental insurance
  • Return protection
  • Extended warranty

2) Chase Freedom Unlimited

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • 1.5% cash back on all purchases
  • No minimum amount to redeem
  • Rewards do not expire

3) Discover it Cash Back

No annual fee
0% intro APR on purchases and balance transfers for 14 months
No foreign transaction fees
Earn 5% cash back at different places like gas stations, restaurants and Amazon.com
1% cash back on all other purchases

4) Chase Sapphire Preferred

  • No foreign transaction fees
  • No blackout dates or travel restrictions
  • Earn 50,000 bonus points after spending at least $4,000 within the first three months
  • 2x points on travel and dining at restaurants worldwide
  • 1x point per 1 dollar spent everywhere else

5) Bank of America Cash Rewards

  • Cash back doesn’t expire
  • 3% cash back at a category of choice
  • 2% cash back on groceries and wholesale club purchases
  • 1% cash back on all other purchases
  • No annual fee
  • Low minimum redemption $25

6) Citi Double Cash

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 18 months
  • 2% cash back – 1% cash back when you make a purchase +  1% cash back
  • Low minimum redemption $25
  • No categories to track

7) Capital One Venture Rewards

  • No foreign transaction fees
  • $0 intro annual fee, then it’s $95
  • Earn 50,000 bonus points after spending at least $3,000 within the first three months
  • No blackout dates
  • Miles do not expire

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Secured Credit Cards (January 2019)

Do you want to improve your bad credit? Secured credit cards are a great option for you. To get a secured card, you usually have to give a minimum deposit, which will be used as collateral.

Here are the six best secured credit card offers for January 2019:

1) Discover it Secured

  • No annual fee
  • Secured deposit of at least $200
  • Build your credit – it reports to all credit bureaus
  • 2% cash back at gas stations and restaurants
  • 1% cash back on everything else

2) Wells Fargo Secured Credit Card

  • Build your credit – it reports to all credit bureaus
  • Secured deposit of at least $300
  • Upgrade to an unsecured card after responsible use
  • $25 annual fee

3) Capital One Secured Mastercard

  • Bad credit accepted
  • No annual fee
  • Build your credit – it reports to all credit bureaus
  • Upgrade to a higher credit line after 5 months after responsible use
  • Security deposit of $49, $99, or $200

4) Citi Secured Mastercard

  • No annual fee
  • Bad or no credit accepted
  • Purchase protection
  • Roadside Assistance Dispatch Service

5) Affinity Secured Visa Credit Card

  • No annual fee
  • Minimum secured deposit of $250
  • $0 application fee
  • Low APR rate (12.60% variable APR)
  • Easy and quick application process

6) US Bank Secured Visa Card

  • Bad credit accepted
  • $0 fraud liability
  • Auto rental insurance
  • $35 annual fee
  • Minimum security deposity of $300 up to $5,000

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Balance Transfer Credit Cards (January 2019)

Do you want to save some dollars on your existing credit card debt? Balance transfer cards have interest-free periods that will not only help you save money but will also make you pay everything down faster. We made a list of the seven best options for a variety of needs:

balance transfer cards

1) Wells Fargo Platinum Visa Card

  • No annual fee
  • $0 Liability protection
  • 0% intro APR on purchases and balance transfers
  • Travel accident insurance
  • Cell phone protection
  • Auto rental collision damage waiver

2) Chase Freedom Unlimited

  • No annual fee
  • 1.5% cash back on all purchases
  • Earn $150 after spending at least $500 within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months

3) Citi Double Cash Card

  • 0% intro APR on balance transfers for 18 months
  • No annual fee
  • First late fee forgiven
  • 1% cash back on all purchases + an additional 1% when you pay them off
  • Purchase protection

4) Citi Simplicity Card

  • No annual fee
  • No late fees or penalty rate
  • 0% intro APR on balance transfers for 21 months
  • 0% intro APR on purchases for 12 months

5) Capital One Quicksilver Cash Rewards Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • 1.5% cash back on all purchases
  • Earn a $150 after spending at least $500 within the first 3 months
  • No foreign transaction fees
  • No annual fee
  • Points don’t expire

6) BankAmericard Credit Card

  • No annual fee
  • No penalty APR
  • 0% intro APR on purchases and balance transfers for 18 months
  • Access your FICO score for free
  • $0 Fraud Liability

7) U.S. Bank Visa Platinum Card

  • No annual fee
  • No penalty APR
  • 0% intro APR on purchases and balance transfers for 18 months
  • $0 Fraud liability
  • Cell phone protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Credit Cards for Bad Credit (January 2019)

Having a credit card is essential if you want your life to be more convenient. You can buy things without any hassle, and it is safer than a debit card or cash. It is also the simplest and fastest way to build or fix a credit score. Are you searching for a card, but you have poor credit?

credit card bad credit

Here is our selection of the best credit cards for bad credit:

Credit One Bank Visa Credit Card

  • Applying won’t hurt your credit score
  • This card helps to rebuild credit – reports monthly to all credit bureaus
  • $0 Fraud Liability
  • Possibility for a credit line increase
  • 1% cash back on eligible purchases

Discover it Secured

  • No annual fee
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases, each quarter; and 1% cash back on all other purchases
  • This card helps to rebuild credit – reports to all credit bureaus
  • Cashback Match – Discover will match all the cash back you’ve earned at the end of your first year as a cardholder.
  • No foreign transaction fees
  • Free credit score
  • Price protection

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

Capital One Secured Mastercard

  • No annual fee
  • This card helps to rebuild credit – reports to all credit bureaus
  • Get access to a higher credit line after five months
  • Make a $49, $99, or $200 security deposit – determined based on your creditworthiness

Milestone Gold Mastercard

  • $75 annual fee for the first year, then it’s $99
  • Applying won’t affect your credit score
  • This card will help to rebuild credit – reports to all credit bureaus
  • 24/7 access to account and bill pay
  • Enjoy all Mastercard’s Gold benefits

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Low-Interest Credit Cards – December 2018

If you don’t do your research, you might end up with a high-interest credit card. Low-interest credit cards offer certain flexibility and will also make you save some bucks at the end of each year. They also provide extra benefits such as cash back and bonus points.

credit card application

Here are the seven best low-interest credit cards you should apply to:

1) Blue Cash Preferred American Express

  • Earn $250 after spending at least $1,000 within the first three months
  • 6% cash back at US supermarkets; 3% cash back at gas stations; 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 12 months; then it’s 14.99% to 25.99%
  • Car rental loss and damage insurance
  • Fraud protection

2) Capital One Quicksilver Cash Rewards

  • 1.5% cash back on all purchases
  • Earn $150 after spending at least $500 within the first three months
  • No annual fee
  • No foreign transaction fees
  • 14.74-24.74% variable APR
  • Redeem any amount, any time

3) Discover it Cash Back

  •  Discover will match all the cashback you’ve earned at the end of your first year
  • 5% cash back at specific categories such as Amazon.com, restaurants, and grocery stores.
  • 1% cash back on everything else
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 14 months; then it’s 13.99% – 24.99%

4) Chase Freedom

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months; then it’s  16.99-25.74%.
  • 5% cash back on specific categories each quarter
  • 1% cash back on everything else
  • Free credit score
  • Earn $150 bonus after spending $500 on purchases within the first three months

5) Citi Double Cash

  • 1% cash back on all purchases
  • No annual fee
  • Earn cash back twice on every purchase
  • 0% intro APR on balance transfers for 18 months, then it’s 15.49% – 25.49%
  •  No limit on how much you can earn

6) HSBC Gold Mastercard

  •  0% intro APR on purchases and balance transfers for 18 months, then it’s  12.99%, 16.99% or 20.99%
  • No penalty APR
  • No foreign transaction fees
  • No annual fee
  • $0 liability for unauthorized purchases

7) Capital One VentureOne Rewards

  • Earn 20,000 bonus miles after spending at least $1,000 within the first three months
  • 1.25x miles on every purchase
  • No annual fee
  • 0% intro APR for 12 months on purchases, then it’s 3.74% – 23.74%.
  • No foreign transaction fees
  • No balance transfer fees
  • Travel accident insurance
  •  Extended warranty
  •  Rental car coverage

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

5 Reasons Why You Should Get The Chase Sapphire Preferred

Chase Sapphire Preferred Credit Card has been elected many times over as one of the best flexible travel credit cards. This card has so many advantages, such as a big sign up bonus and lots of redeeming options – it’s no wonder it gets so much hype!

Here are five reasons why you should get the Chase Sapphire Preferred:

1) You Will Get a Big Bonus For Signing Up

Few credit cards offer such a big bonus. New cardholders will benefit from 50,000 points (roughly translating to $1,000 in value) after they spend at least $4,000 within the first three months of opening the account.

2) Earn More Points Per Dollar Spent

You will get 2 points per $1 spent on travel and dining purchases. These categories are very flexible depending on your area. You could also earn more points on purchases like rental cars, parking, Uber, and city tours.  They also offer 1 point per dollar spent on other purchases.

3) There Are Many Redeeming Options

You might be wondering what people can do with all these points. Chase gives you the option to redeem your miles with any of their many partners, including: British Airways, JetBlue, United Airlines, Marriott, IHG – or through the Chase Ultimate Rewards portal.

4) A Wide Variety of Travel Benefits

Do you love to travel or are a frequent traveler? Then you will likely benefit a lot from this card. Chase Sapphire Preferred offers many advantages for cardholders such as primary car rental insurance, baggage delay insurance, trip cancellation insurance, and no foreign transaction fees.

5) Get Purchase Protection

Most people don’t know, but Chase Sapphire Preferred offers purchase protection. This means that if your personal property gets stolen or destroyed within 120 days after purchase, you will get up to $500 back per claim.

Highlights:

  • Earn 60,000 bonus points after spending at least $4,000 on purchases in the first three months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on all other purchases
  • Pay no foreign transaction fees
  • Don’t worry about blackout dates and other restrictions
  • Get 25% more value if you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards
  • Trip Interruption/Interruption insurance
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Insurance
  • Trip Delay Reimbursement
  • Travel and Emergency Assistance Services
  • Purchase Protection
  • Extended Warranty Protection

Watch out for:

  • $95 annual fee
  • 18.24%-25.24% variable APR

Is this card for you?

This card is for you if you usually spend at least 10,000 dollars per year like to travel at once a year or more, dine out at great restaurants. Why not take advantage of the excellent benefits that other credit cards don’t typically offer? Click here to apply.

Check out other credit cards here.

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Travel Credit Cards For December 2018

Benefit from the best travel credit cards without paying expensive fees while also earning points, discounts and other amazing perks. Here is our selection of the best cards for December 2018:

travel credit cards

1) Capital One Venture Rewards Credit Card

  • Earn 75k bonus points after spending at least $5,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 2 miles per $1 spent on purchases
  • No foreign transaction fees
  • Travel accident insurance
  • 24-Hour Travel Assistance Services
  • Auto Rental Collision Damage Waiver

2) Chase Sapphire Preferred

  • Earn 50k bonus points after spending at least $4,000 on purchases within the first 3 months
  • 2 miles per $1 spent on travel and dining
  • 1 mile per $1 spent on all other purchases
  • No foreign transaction fees
  • Travel and purchase coverage

3) British Airways Visa Signature Card

  • Earn 50k bonus points after spending at least $3,000 in the first 3 months
  • Points don’t expire
  • There are no blackout dates
  • No booking fees
  • No foreign transaction fees

4) United Explorer Card

  • Earn 65,000 bonus points after spending at least $2,000 on purchases within the first 3 months
  • Earn 2 miles per $1 spent at restaurants, on hotel accommodations, and on directly purchased United tickets
  • Earn 1 mile per $1 spent on all other purchases
  • No foreign transaction fees
  • Travel and purchase coverage
  • $0 intro annual fee, then it’s $95

5) Uber Visa Card

  • 4% cash back on restaurants, takeouts, and bars
  • 3% cash back on airfare, hotels and vacation home rentals
  • 2% cash back on online purchases including Uber, online shopping, video and streaming services
  • 1% cash back on all other purchases
  • No annual fee
  • No foreign transaction fees
  • $0 Fraud liability protection

6) Discover it Miles

  • No annual fee
  • 0% intro APR on purchases for 14 months
  • No foreign transaction fees
  • Rewards can be redeemed for travel or cash back at equal value
  • Discover will match all the miles you’ve earned at the end of your first year

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Credit Cards for December 2018

With the holidays and shopping season approaching, it’s essential to have the best credit cards in your hands. We made a list of the best credit cards for December for you to receive the best rewards – such as bonus points and cash back.

1. Chase Sapphire Reserve

  • 50,000 bonus points after spending at least $4,000 on purchases within the first 3 months
  • $300 annual travel credit
  • 3 points per $1 dollar spent on travel and dining worldwide
  • 1 point per $1 dollar spent on all other purchases
  • No foreign transaction fees
  • Travel and purchase coverage
  • Premium travel benefits

2. Chase Sapphire Preferred

  • 50,000 bonus points after spending at least $4,000 within three months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 dollar spent
  • No foreign transaction fees
  • Travel and purchase coverage
  • $0 intro annual fee, then it’s $95

3. Capital One Venture Rewards Credit Card

  • 50,000 miles after spending at least $3,000 within three months
  • 2x miles on all purchases
  • No foreign transaction fees
  • No blackout dates
  • $0 balance transfer fee
  • $0 intro annual fee, then it’s $95

4. Ink Business Cash Credit Card

  • No annual fee
  • 0% intro APR for 12 months on purchases and balance transfers
  • $500 bonus cash back after spending at least $3,000 on purchases within the first 3 months
  • 5% cash back at office supply stores and on internet, cable and phone services
  • 2% cash back at gas stations and restaurants
  • Travel and purchase coverage

5. Southwest Rapid Rewards Priority

  • 40,000 points after spending at least $1,000 on purchases within the first 3 months
  • Earn 20,000 points after you spend $12,000 within your first year.
  • 7,500 bonus points after your cardmember anniversary
  • 1 point per $1 dollar spent on all other purchases
  • No foreign transaction fees
  • 4 upgraded boardings every year

6. Discover it Cash Back

  • No annual fee
  • 0% intro APR on purchases for 14 months
  • Earn 5% cash back at gas stations, grocery stores, restaurants, Amazon.com, etc
  • Earn 1% cash back on other purchases
  • They’ll match all of the cash back you’ve earned at the end of your first year, automatically.
  • FICO score for free

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

 

5 Best 4% Cash Back Credit Cards

Who wouldn’t love to be rewarded for purchasing things with their credit card? We made a list of the best cards that offer 4% or more cash back for you to make the most out of it and save some money.

Amazon Prime Rewards Visa Signature Card

  • 5% cash back at Amazon.com and Whole Foods Market
  • 2% cash back at restaurants, gas stations, and drugstores
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • Travel and emergency assistance
  • Lost luggage reimbursement
  • Travel accident insurance
  • Redeem for million of items at Amazon.com

Uber Credit Card

  • 4% cash back at restaurants, takeout, bars and UberEats
  • 3% cash back on hotel and airfare
  • 2% cash back for online purchases
  • 1% cash back on everything else
  • No foreign transaction fees
  • $100 cash back after spending at least $500 on purchases within the first 3 months

Target REDcard

  • 5% off everyday at Target and Target.com
  • Free 2 day shipping
  • Extended returns for 30 extra days
  • No annual fee
  • Online management

Blue Cash Preferred Card

  • 6% cash back at US supermarkets
  • 3% cash back at US gas stations
  • 1% cash back on other purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • Get a decision in as little as 30 seconds
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Earn $250 back after spending at least $1,000 in purchases within the first three months

USAA Cashback Rewards Plus American Express Card

  • 5% cash back on gas and military-base purchases
  • 2% cash back on groceries
  • 1% cash back on other purchases
  • No annual fee
  • Redeem any amount, any time

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards For Bad Credit (November 2018)

It can be tough to get a card if you have a low score, but it’s certainly not an impossible task. You can choose between secured and unsecured, which means they may or may not require a deposit. These credit cards will help to build or rebuild your score and they can even increase your spending limit if you use them responsibly.

credit card bad credit

Here are the seven best credit card offers for bad credit for November 2018:

Discover it Secured

  • No annual fee
  • Reports to credit bureaus
  • Refundable security deposit from $200-$2500
  • 2% cash back at gas stations and restaurants
  • 1% cash back on all other purchases
  • FREE Social Security number alerts

Capital One Secured Mastercard

  • No annual fee
  • Limited/bad credit accepted
  • Reports to credit bureaus
  • No foreign transaction fees
  • $200 secured deposit, based on your creditworthiness

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Indigo Platinum Mastercard

  • Reports to credit bureaus
  • Doesn’t require a security deposit
  • $75 annual fee for the first year, then it’s $99. However, you could qualify for no annual fee, depending on your score.
  • 1% foreign transaction fee
  • Roadside assistance
  • Physical Damage and Theft Coverage if you pay for your car rental with your card.

Visa Classic from Georgia’s Own Credit Union

  • No annual fee
  • Bad credit accepted
  • Reports to credit bureaus
  • Low interest rate

Capital One Bank Unsecured Visa with Cash Back Rewards

  • Applying won’t affect your credit score
  • Fast decision on your application
  • Zero fraud liability
  • Free access to your Experian credit score and credit report summary
  • Doesn’t require a security deposit
  • Get 1% cash back on eligible purchases

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6 Best No Annual Fee Credit Cards (November 2018)

No, you do not need to pay expensive fees to take advantage of all the credit card perks. Some of these benefits include cash back, travel insurance, free credit reports and much more! Check out our selection of the best no annual fee credit card offers of November 2018.

Uber Visa Credit Card

  • Get $100 back after spending at least $500 within the first 3 months
  • 4% cash back on dining; 3% on hotels and airfare; 2% cash back for online purchases; and 1% on everything else
  • No foreign transaction fees
  • Receive invites to special events in US cities
  • No annual fee

AmEx Blue Cash Everyday

  • Get $200 back after spending $1,000 within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • 3% cash back at US supermarkets; 2% cash back at US gas stations and select US department stores; 1% cash back on other purchases
  • Travel accident insurance
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee

Chase Freedom

  • 0% intro APR on purchases and balance transfers for 15 months
  • Get a $150 bonus after spending $1,500 within the first 3 months
  • Free credit report
  • Unlimited 1% cash back
  • No annual fee

Capital One Quicksilver Card

  • 1.5% cash back on every purchase
  • Get a $150 bonus after spending $500 within the first 3 months
  • No foreign transaction fees
  • 0% intro APR for 15 months
  • Travel accident insurance
  • No annual fee

Bank of America Travel Rewards Card

  • Earn 1.5 points for every $1 you spend on purchases
  • No foreign transaction fees
  • 0% intro APR for 12 months
  • Earn 25,000 points after spending $1,000 within the first 3 months
  • No annual fee

Wells Fargo Propel American Express

  • Earn 30,000 points after spending $3,000 within the first 3 months
  • 3x points on dining, gas, flights, hotels, car rentals, etc.
  • 1x points on all other purchases
  • No foreign transaction fees
  • Points do not expire
  • No annual fee

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7 Best Credit Cards For Black Friday

Black Friday is the big event people wait all year for to get the biggest discounts and deals on purchases, and it’s just around the corner. But, are you ready for it? If you use the right credit card, you’ll be rewarded for your purchases, and that can make you save even more money.

secured credit cards

Here are the seven best credit cards for Black Friday:

1) Capital One Quicksilver Card

  • 0% Intro APR for 15 months for purchases and balance transfers
  • No foreign transaction fees
  • 1.5% cash back
  • $150 cash bonus after spending $500 on purchases within the first 3 months
  • Points don’t expire

2) Chase Freedom

  • No annual fee
  • 0% Intro APR for 15 months for purchases and balance transfers
  • $150 bonus after spending $500 on purchases within the first 3 months
  • 5% cash back on certain categories
  • 1% cash back on all purchases
  • Cash back doesn’t expire

3) Discover It Cash Back

  • No annual fee
  • 5% cash back on certain categories
  • 1% cash back on all purchases
  • No foreign transaction fees

4) Chase Sapphire Preferred

  • No foreign transaction fees
  • 50,000 bonus points after spending $4,000 within the first 3 months
  • $0 Intro annual fee, then it’s $95
  • No blackout or expiration dates

5) Blue Cash American Express

  • 0% APR for balance transfers and purchases for 15 months
  • No annual fee
  • 1 point per 1 dollar spent
  • Car rental loss and damage insurance
  • Travel accident insurance

6) Citi Double Cash Card

  • 2% cash back, 1% when you buy plus 1% as you pay
  • 0% Intro APR on balance transfers for 18 months
  • No annual fee
  • 15.49%-25.49% variable APR

7) American Express Cash Magnet Card

  • Earn up to $250 back after spending at least $1,000 in purchases within the first 3 months
  • No annual fee
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 1.5% unlimited cash back on all your purchases
  • Fast decision on your application

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Best Credit Card Offers for November 2018

Are you looking for a new card? Credit cards can help you save on your purchases and travels by offering cash back, while also providing a convenient way to borrow money. Check the best deals to choose the best card for your needs.

Here are the best credit card offers for November 2018:

American Express Blue Cash Preferred

  • Get a $200 statement credit bonus after spending $1,000 within the first 3 months.
  • 6% cash back at US supermarkets and 3% cash back at US gas stations and at select department stores.
  • 1% cash back on other purchases.
  • 0% Intro APR on purchases and balance transfers for 12 months.
  • $95 annual fee.

Chase Freedom Unlimited

  • Unlimited 1.5% cash back on all purchases.
  • Get a $150 statement credit bonus after spending $500 within the first 3 months.
  • 0% Intro APR on purchases and balance transfers for 15 months.
  • No annual fee.
  • Rewards do not expire.

Marriott Rewards Premier Plus

  • Get 75,000 bonus points after spending $3,000 within the first 3 months.
  • 6 points for every $1 spent at Mariott and SPG hotels.
  • 2 points for every $1 spent on all other purchases.
  • Free night award.
  • $95 annual fee.

Citi ThankYou Premier

  • 50,000 bonus points after spending $4,000 in purchases within the first 3 months.
  • 3 ThankYou Points per $1 spent on gas stations, airfare, hotels, parking, and much more.
  • 2 ThankYou Points per $1 spent on dining out and entertainment.
  • 1 ThankYou Point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • $95 annual fee.

Discover It

  • No foreign transaction fees.
  • 0% Intro APR on purchases and balance transfers for 14 months.
  • Get 5% cash back on certain categories such as gas stations, restaurants, Amazon.com, and much more.
  • Rewards do not expire.
  • Discover will match all the cash back you’ve earned at the end of the first year automatically.
  • No annual fee.

Chase Sapphire Preferred

  • 50,000 bonus points after you spend $4,000 on purchases within the first 3 months.
  • 2 points per $1 dollar spent on travel and dining purchases.
  • 1 point per $1 dollar spent on all other purchases.
  • No foreign transaction fees.
  • 1:1 point transfer to airline and hotel loyalty programs.
  • No blackout dates or travel restrictions.

Capital One Venture

  • 50,000 bonus points after spending $3,000 on purchases within the first 3 months.
  • 2 miles per $1 spent on all purchases.
  • Miles do not expire.
  • $0 intro annual fee for the first year, then it’s $95.
  • No foreign transaction fees.

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7 Best Credit Cards for Students and Recent College Graduates

It is not that easy to get approved for a credit card as a student or recent college graduate, due to the lack of financial history. However, specialists say that not establishing credit is one of the worst mistakes you can do in your adult life.

Having a good credit score can get you better insurance rates, better cable and Internet terms, and could also increase your chances of getting a job, among other things.

Getting a credit card is the easiest way to increase your score. You should start small and wisely, by making timely payments, and paying your bills in full.

Here are the best credit card for students and recent college graduates:

1) Discover it Student Cash Back

  • No annual fee
  • No late fees on first late payment
  • 0% intro APR on purchases for the first 6 months
  • 5% cash back each quarter on certain categories such as gas stations, grocery stores, restaurants or Amazon.com
  • Free social security number alerts

2) Discover it Student Chrome

  • Good grade reward: Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years
  • 2% cash back on up to $1,000 in combined purchases each quarter
  • 1% cash back on all other purchases
  • Free social security number alerts

3) Capital One Platinum Credit Card

  • No annual fee
  • Get access to a higher credit line after making 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Get access to your account 24 hours a day, 7 days a week

4) Citi Double Cash

  • Earn TWICE with 1% on purchases and 1% as you pay for those purchases in full or over time.
  • 0% Intro APR on balance transfers for 18 months
  • No caps and no category restrictions
  • Redeem cash back for checks or statement credits.

5) Chase Freedom Unlimited

  • No annual fee
  • 0% intro APR for balance transfers and purchases for 15 months
  • $150 bonus after spending $500 within the first 3 months
  • 1.5% cash back on all purchases

6) Bank of America Cash Rewards

  • No annual fee
  • 0% intro APR for 12 billing cycles made in the first 60 days for purchases and balance transfers
  • 1% cash back on every purchase, 2% cash back at grocery store and 3% cash back on gas for the first $1,500 in combined purchases each quarter
  • Rewards don’t expire
  • $150 online cash rewards bonus after you spend at least $500 on purchases within the first 3 months

7) Citi ThankYou Preferred Card for College Student

  • No annual fee
  • No expiration and no limits on points
  • 1 point per $1 dollar spent on all purchases
  • 2 points per $1 dollar spent on restaurants and entertainment
  • 0% intro APR for the first 7 months

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Best Instant Approval Credit Cards of 2018

Do you need a card as soon as possible but don’t want to wait days to get a response on your application? If that’s the case, instant approval credit cards are the best option for you. With them, you’ll receive a quick decision – often within minutes – if you have been approved or not.

instant approval credit cards

Here are the best instant approval credit cards of 2018:

Chase Sapphire Preferred Card

  • 50,000 bonus points after spending $4,000 within the first 3 months
  • Earn 2x points on travel and dining at restaurants
  • No annual fee for the first year, then it’s $95
  • 0% intro APR for 12 months for purchases and balance transfers

Capital One Savor Cash Rewards Credit Card

  • No foreign transaction fees
  • No annual fee for the first year, then it’s $95
  • $500 cash bonus after spending $3000 within the first 3 months
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases

Capital One VentureOne Rewards Credit Card

  • No annual fee
  • 1.25 miles per $1 spent
  • Earn 20,000 bonus points after spending $1,000 within the first 3 months
  • No foreign transaction fees
  • 0% intro APR for 12 months

Ink Business Cash Credit Card

  • Earn $500 bonus cash back after spending $3,000 within the first 3 months
  • No annual fee
  • 0% intro APR for purchases and balance transfers
  • 1% cash back on all purchases
  • Employee cards at no additional cost

American Express Cash Magnet Card

  • Earn $200 back after spending $1,000 within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 1.5% cash back on all purchases

Blue Cash Everyday from American Express

  • Earn $200 back after spending $1,000 within the first 3 months
  • 0% intro APR for 15 months on purchases and balance transfers
  • No annual fee
  • 1% cash back on all purchases
  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations & select U.S. department stores

Capital One Secured Mastercard

  • No annual fee
  • Get a higher credit line after making your first 5 monthly payments on time
  • 24.99% variable APR
  • $49, $99 or $200 refundable deposit based on your creditworthiness

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Best Credit Card Offers for October 2018

These credit cards have free hotel nights, cashback, no foreign transaction fees, and many other perks. Compare the best offers to find the one that matches your needs.

Chase Sapphire Preferred Card

Chase Sapphire is a popular credit card, having received the title of ‘Best Travel Credit Card’ by MONEY MAGAZINE. It offers 50,000 bonus points after spending $4,000 on purchases in the first three months.
On top of that, it also provides 2x points on travel and dining at restaurants worldwide, and 1 point per dollar spent. Frequent travelers will love the fact that they don’t charge foreign transaction fees, and there’s a 1:1 point transfer to leading airline and hotel loyalty programs. It is one of the best choices for frequent travelers because there are no blackout dates or travel restrictions to redeem points.

Ink Business Cash

With this credit card, you’ll earn a $500 bonus cash back after you spend $3,000 on purchases in the first three months of account opening. Get 5% cash back on the first $25,000 spent in specific categories each account anniversary year; 2% cash back at gas stations and restaurants; and 1% on other purchases. There’s a 0% introductory APR period of 12 months on purchases and balance transfers. You get all of these amazing perks with no annual fee.

Chase Freedom

Earn a $150 Bonus after you spend $500 on purchases in your first three months from account opening. If you want to get the most out of your points, Chase Freedom is a must-have. With it, you’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories, and an unlimited 1% cash back on all other purchases. There’s also a 0% APR period for 15 months on purchases and balance transfers. Keep an eye on your credit score for free, updated weekly with Credit Journey. This card doesn’t charge an annual fee.

Marriott Rewards Premier Plus

Marriott offers 75k rewards points for new cardholders who spend at least $3,000 within the first three months. You’ll get 2 points per dollar spent on all purchases, and 6 points per dollar spend at Mariott and SPG properties. It has an annual fee of $95.

AAdvantage Aviator Red World Elite Mastercard

New cardholders get 60,000 AAdvantage miles after they make their first purchase – there’s no minimum spend. You’ll get 2 miles per dollar spent on American Airlines purchases. There are also some benefits worth mentioning, such as getting the first checked bag for free and up to 4 companions on the same reservation, 10% redeemed miles back and preferred boarding group. There’s an annual fee of $95.

Why was my credit card application denied?

It’s certainly upsetting getting denied credit, but it could happen to anyone. For that reason, it’s better to know the possible reasons why your application can get rejected so that you can be prepared and increase the chances of getting approved.

credit card application

Most people think that the credit score is the most important thing when it comes to applying for a card, but the truth is that your application may be rejected even with a good score.

Here are six possible reasons why your credit card application can get denied:

Your income is too low

Even though loaners don’t require a specific monthly revenue, it plays a significant factor in whether or not you’ll be granted a card. This is why applying for the right credit card is extremely important. There is a huge variety of credit cards, and you must choose the one that you are most likely to fit the criteria.

You have a limited credit history

A history of timely payments on things like loans, mortgage, and credit card bills is a huge factor companies use to grant credit, and this could take years. This is undoubtedly bad for young people who didn’t have time to build their creditworthiness. Don’t worry, however, there are some great options for people with limited credit history.

High balance

Lenders will probably not grant you credit if they see that you have too much debt, they’ll think you are struggling to pay it off, and you’ll be seen as a risk. Therefore, it’s a great idea to liquidate your debts before asking for a new credit card.

Debt Utilization Ratio

Your debt utilization ratio is defined by the total of your monthly outstanding credit card balances divided by your total credit limit. You must focus on getting the lowest ratio – ideally less than 50%.  Lenders use this as a risk factor to eliminate people that are most likely to max out their cards.

Missing information

Loan and credit card companies need to know all the information about you to decide about your request. Therefore, if you leave out essential data like address or place of birth, you’ll most certainly get rejected. Make sure all your information is complete and accurate before submitting an application.

Too many credit card inquiries

A hard inquiry is placed on your history every time you apply for credit. If you submit too many requests, you’ll be seen as a risk. On that account, keep the inquiries to a minimum to increase your chances of getting a new card.