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Finding the best credit card doesn’t have to be difficult. In fact, it can be quite easy, although there’s a little bit of strategy behind it.
There’s no single credit card that’s better than all the others, no matter what category you’d place them in. Even so, it’s important to know your options and how to identify the right credit card for yourself.
Let’s get started helping you pick the best credit card based on your unique situation.
(1) Time To Check Your Credit
Before you can get started choosing your credit card, you need to know your credit scores.
In general, the better your credit score is, the more options you’re going to have to find the right card. The higher your credit scores, the better offers you’re going to get.
Knowing how credit scores work and knowing how to read your credit reports are vital to keeping your accounts accurate.
(2) What Credit Cards Do You Need
Once you know all of your credit scores and where you stand, it’s time to start checking what types of credit cards you’ll need.
Generally speaking, there’s really only 3 types of credit cards.
- Credit cards that help you improve your credit
- Credit cards that allow you to earn rewards
- Credit cards that save you money and interest
- Credit cards for those who travel
The best credit cards for you are going to be the ones that most closely feature the benefits you’re looking for.
If You Need To Build Your Credit
There’s a few different credit cards out there for those of you that need to build credit or repair your credit. Secured credit cards are a great option for repairing bad credit. With secured credit cards, you’re required to make a deposit to get a secured card. The deposit amount you add will be your credit limit. The good news, many secured cards report to all 3 credit bureaus.
Check out the Milestone Credit Card if you’re looking to improve your credit.
If You Want To Earn Rewards
There’s many credit cards that offer rewards and perks. It just depends on the type of rewards credit card you’re looking for. You may want to go after a balance transfer card to lower your card balance on another card or perhaps you’re looking for a credit card with 0% APR.
If You Want To Save Money
You can’t go wrong with a great cash back credit card. If you use your cash back credit cards a lot, the savings can add up.
(3) Ask The Right Questions
What type of credit cards are you looking for? If you want to find the right card, you have to ask the right questions. It’s essential to pick the best credit card.
For Secured Cards And Student Credit Cards
Will this help me build my credit? If you’re looking to build your credit up, you want a credit card that reports to the major 3 credit bureaus. Before you apply for a card, make sure the card provider does. Some secured credit cards don’t, that’s why it’s important to ask.
Check out the best credit cards for building your credit.
Check out our recommendations for the top student credit card offers.
Can I Upgrade This Card Later
Most secured credit cards don’t allow you to upgrade your credit card once you’ve paid payments on time or have increased your credit score. On the other hand, a few of them do. We recommend getting a secured credit card that allows you to upgrade later if you’re a good cardholder.
For Low Interest, No APR
You have to be careful when browsing no APR or 0% APR credit cards. Some cards may only have a select period where the zero interest applies (you have to be aware of this). If you’re trying to get a low interest card or no interest credit card, make sure you know how long that period is too.
What About Cards For Traveling
There’s a wide range of credit cards out there that are specifically for travelers.
They usually have sign up bonuses and great rewards programs. If you’re a frequent traveler, a travel rewards credit card can certainly come in handy. You can earn both points and miles you can redeem to earn cool things like cash back or free travel miles.
It’s all about finding the best credit cards for your unique situation.
There’s a ton of great ones out there, just use our site search at the top of the page to find exactly what you’re looking for. It doesn’t have to be complicated, we’ll help you pick the best credit card! Just follow our recommendations.