Best Credit Cards
Cool Card Offers Listed by Types
Getting the best new card is nothing to be taken lightly. It’s an important decision that can have a significant impact on your overall financial stability. Different cards should be chosen for different purposes, and just because you know a certain card is a popular choice doesn’t mean it will be suitable for your particular lifestyle. There are many different credit cards that can be roughly divided into the following categories:
- Low interest rates
- Instant online decision
- No annual fee
- Starter cards
- 0% intro rate
- Cards for business
- Student offers
- Teen cards
- Balance transfers
- Secured offers
- Cards reporting credit
- No FX fees offers
- Shopping cards
- Cards with rewards
- Prepaid
- Debit Cards
- 100% approvals
- Crypto cards
You can find a suitable credit card that will meet all your needs and be appropriate for your current financial situation – all you need to do is stay informed about your options.
Great Card Offers by Network
Many people find the terms “card network” and “card issuer” to be interchangeable, when in fact they are two very different things. The purpose of credit card networks such as Visa, MasterCard, or American Express is to facilitate the exchange between the cardholder and merchant/store. This means that the card networks get to control where a certain credit card can be used, and which shops can accept which cards.
If you prefer using your best card while you’re traveling to foreign countries, for example, you’ll be better off getting a card from a globally accepted network, like Visa or Mastercard. Keep in mind that card networks are only responsible for facilitating the transaction between you and the merchant – they have no control over the fees that you pay, or your credit card terms and conditions, but the card issuers do.
Find Credit Cards by Issuer
A card issuer is where you go to get your new credit card. Those are typically banks or credit unions that are partnered with different card networks and issue their cards. They’re the ones who will financially back up your credit card, and they have control over:
- Approving and denying your application
- Paying for your transactions
- Collecting your payments
- Setting the interest fees
- Setting the terms and conditions
- Offering rewards and benefits
- Setting your credit card limit
Choosing the right card issuer is of utmost importance, as all your fees will depend on the issuer itself. All the rules and regulations depend entirely on the issuer, so make sure you’ve weighed all your options and collected all the information before you decide to go for a certain issuer.
- Applied Bank
- Bancorp Bank
- Bank of Missouri
- Celtic Bank
- Chase Bank
- Genesis Bank
- Horizon Card Services
- Merrick Bank
- Meta Bank
- Synovus Bank
- Unique Card Services
- WebBank
- Other Issuers
If you need to contact issuers’ support click here.
Select Cards by Credit Score
When you have a bad credit score, or when you have no credit score at all, your life can get much more difficult and inconvenient. You’ll find it hard to get a loan, be approved for a mortgage, or even find a good apartment to rent. This is why certain card issuers offer you credit cards designed specifically for those with poor credit.
Keep in mind that not every issuer will have these offers for you, and some issuers might allow you to get a credit card with them, but offer you unfavorable terms and conditions. So, it’s important to do thorough research. Getting a credit card for poor credit from the right issuer can help you rebuild and strengthen your rating, especially when they report with all the major credit bureaus (Explained).
More Info: Soft Credit vs. Hard Credit Inquiries, What to Know About Your Credit Score, 23 Credit Score Don’ts & Do’s, Fixing Credit Score, Pumping & Protecting It, What Is Your Credit Score?
