The Top 10 Best Credit Cards on the Market
Author: Max AndersonIf you're looking for the top 10 best credit cards, look no further. I have the list. For the lowest interest, best introductory offers and highest rewards, these credit cards top the charts. Want to make sure you're carrying the best of the best? Here's the cards to look for...
1. Blue from American Express
Topping the list of our top 10 best credit cards is Blue from American Express. Not only is this one of the only American Express cards available without an annual fee, but it also offers a 0% intro APR for 15 months, a lifetime balance transfer APR of 4.99% and rewards points redeemable for travel, merchandise and more. 2. Discover More Card
Discover cards have usually been associated with higher interest rates, but not the Discover More card. Not only do you get a 6-month 0% intro APR, when the intro period is over your rate can be as low as 10.99%. Add that to the fact that you get up to 20 percent cash back from participating retailers and it's not hard to see why the Discover More card is one of the top 10 best credit cards out there.
3. Fidelity Investments 529 College Rewards Card
How would you like a credit card that helps pay for your kids' college education? That's exactly what this card will do. You get 1.5 percent of every dollar you spend on the card placed into a 529 plan. With the increasing cost of college, we couldn't help but add this one to the list of the top 10 best credit cards out there.
4. Orchard Bank Platinum MasterCard
If you have great credit, the orchard bank card probably isn't anything special. However, if your credit isn't the best then this is definitely the best of the top 10 best credit cards out there. The Orchard Bank card is easier to qualify for than most other credit cards and for a bad credit credit card, the interest rate and fees are very reasonable.
5. Simmons First Platinum Visa
If you're looking for a no-frills credit card with an unbeatable fixed rate, you'll see why the Simmons First Visa Platinum makes our list of the top 10 best credit cards. The low fixed rate is just 7.25% and there's no annual fee, which is rare when it comes to fixed-rate low-interest cards.
6. Chase Freedom Cash Visa Signature
When it comes to rewards cards, the Chase Freedom Cash Visa Signature is hard to beat. When you make your first purchase, you get $50 and then you get 1% to 3% cash back for all of your other purchases. When you earn $200 in rewards, you get another $50 bonus. With such generous rebates, this card is definitely one of the top 10 best credit cards on the market.
7. Pulaski Bank Visa
When it comes to a low fixed rate, you can't beat this card. Pulaski Bank Visa makes it to our list of the top 10 best credit cards because of its generous 0% 6-month intro rate and its unbelievably low fixed rate of just 6.5%.
8. The GM Business Card from Chase
If you're looking for a great business credit card this one just might fit the bill. The GM Business Card from Chase offers 3% earnings on all fuel purchases and 1% on all other purchases. You also get a $600 credit on your card each time your company leases or purchases a GM vehicle through the GM Business Choice program.
9. Chase Amazon.com Platinum Visa Card
Are you a frequent Amazon.com shopper? If so this card is a must. You earn 3 points for every dollar spent at Amazon.com and 1 point for every other dollar spent with the card. When you earn 2500 points, you get a $25 Amazon.com gift certificate.
10. Citi mtvU Platinum Select Visa
If you're looking for the best student credit card in this top 10 best credit cards list, you've found it. The Citi mtvU Platinum Select Visa doesn't just offer no annual fee, a competitive interest rate and rewards points for every purchase you make, but it also offers bonus rewards points for paying your bills on time, staying within your credit limit and keeping your grades up.
When it comes to credit cards, there are the good, the bad and the ugly. Using the above list of the top 10 best credit cards available, you can avoid the bad and the ugly and have nothing but the best in your wallet.
About the Author:
For more tips on the best credit cards, saving money and avoiding getting taken, check out the best credit card section at CreditCardTipsEtc.com, a website that specializes in providing credit card tips, advice and resources.
Article Source: http://www.articlesbase.com/finance-articles/the-top-10-best-credit-cards-on-the-market-333408.html
Finding The Best Credit Card Offer
Author: Mario ChurchillThere are lots of companies and banks that offer credit cards. There are so many different kinds of credit card that are available in the internet as well. Many people are engage to apply in credit card because they don't need to carry a big amount of cash. They can also buy even the expensive item using the credit card. But using credit card should be handed cautiously.
Many people fall from debts and ends up with financial problem due to excessive use of credit card. Before applying for a credit card be sure that you can handle it and be able to settle your credit in due time. Credit card could hardly affect your financial capacity for many years. So to be able to cope up with lots of debts go with the best credit card offer.
Now how would you know what offer is the best for you? The one thing that you should look for when choosing a credit card is the APR. Many economic specialists agree that the best credit cards are those who offer the lowest interest rate in carrying a balance. You will pay a low amount if your APR has a low interest rate. Getting a credit card with low interest rate can bring a large difference between savings and long term debt.
Finding a credit card with low interest rate may be difficult if it is your first time you apply in credit card and you have a little or no line of credit. In cases like this, there's some or other credit card that is suitable for you. In situation like this, the credit card you'll get will have a high interest rate. You could just apply for a lower interest rate when you have established your credit.
You would always get good offer from different credit card banks and companies that seem unbelievable. But before signing the contract you should researched first. Look for the best credit card that has a good offer. If you take some time to compare different companies, you'll be able to get the one that suits your needs.
But before you apply for a credit card make sure you had understand all about the card's policies, terms and conditions of the company. Look for reward programs, interest rates, and characteristics. It is important to make a list of characteristics that you want in a credit card. Look for a credit card that has the best deal in different areas.
Be careful of introductory offers. Many credit card companies offer great introductory deals when you apply for credit card. It is good to take advantage with these great deals but be cautious. Make sure the terms won't change unexpectedly after the period of introductory offer has ended.
In applying for credit card you will fill out forms that ask for your personal information. You would also provide information such as the employer's name, address and your income. You also fill up information about fees, interest rates and other charges and ask to sign saying you agree to those terms.
Just keep in mind that applying in credit card needs a thorough understanding of terms and conditions. Also be honest with the information that you give. The most important thing is that you can handle all the payments in due time so that you wouldn't have problems paying your debts.
Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on a credit card or the best credit card checkout his recommended websites.
Article Source: http://www.articlesbase.com/finance-articles/finding-the-best-credit-card-offer-89321.html
What is the Best Credit Card for You
Author: Craig ThornburrowEveryone knows that the credit card market has tightened so it is important that when you are looking for a new card that you only apply for the best credit card for your specific situation. To make sure that you are going to be approved for the credit card it is important that you understand your needs and your credit score. The FICO score is how most credit card companies determine first if you will be approved and second what your credit limit will be.
The last thing that you want to do is apply for a card that you have very little chance of being approved for. Each time you do this you lower your credit score making you a less attractive prospect for credit. So take an honest look at your credit first and apply for only the best credit card for your situation. For example, if you have an excellent credit rating you can apply for and get approved for almost any card. However if you have a poor credit rating then you are going to really need to read the card company's specification about who can get accepted for their cards.
Here is what many of the companies are looking for in a credit prospect. First, they want to see if you are a stable person. They will check this in two ways. First they are going to look at your employment history; they want to see that you have worked for the same employer for over one year. Next, they are going to look at your home addresses; they are looking to see if you have lived in the same home for over two years. If you are constantly changing jobs or moving this sends up a "red flag" and many companies will steer clear of you.
The next thing they will be looking at is the amount of debt you are currently carrying. This means that when they look at your credit report they will look at the balances of all your accounts. If you have very high balances in ratio to your credit limits this is going to scare off a lot of companies. For example if you have several credit cards that are very close to their credit limits, credit card companies will frown on this. Your cards should have less than 30% owed on them in this current credit environment.
Another thing that they will look at is how much credit you have access to. For example let's say that you have a home equity line of credit for $150,000 and 5 credit cards with $15,000 credit limits and you currently have no outstanding balances, that means that if you went crazy and spent to where you were maxed out you would have access to $225,000! So the lender you are applying to will weigh your access to your ability to make payments on it. So when you are ready to apply for a new credit card it is important to apply for the best credit card for you unique situation.
Craig Thornburrow is an acknowledged expert in his field. You can get more free advice on credit cards and the best credit card deal at http://www.creditcardlaunchpad.com
Article Source: http://www.articlesbase.com/credit-articles/what-is-the-best-credit-card-for-you-425968.html