Don’t Respond to Credit Card Offers in the Mail!
First, investigate your alternatives. Read all the fine print in the offer you received, even if you need a magnifying glass to do so!
Then, considering what kind of credit card you need or want, click the links on this page to compare the cards available to you.
Once upon a time, credit cards were all pretty much alike, but no more.
If you’re looking for a rewards card, you can choose from a wide variety – getting back cash, merchandise, or airline miles. And each offers their own version of when you’ll be rewarded.
Some will give you a rebate for every purchase. Others will reward you for buying gasoline or eating out or using an airline. Student rewards cards often focus on book store purchases, pizzas, video rentals, or movies.
So first decide what you want and how you’ll use the card. Choose the one that will reward you for the most frequent use.
If you’re looking for an “emergency” card to use after you’ve had credit problems, choose the one that costs the least in annual or monthly fees. If you’re trying to rebuild your credit, you aren’t going to be using it often or carrying a balance, so the annual percentage rate isn’t as important to you. But some “poor credit” cards charge a fee each month even when you don’t use them. Again, read and compare to get what’s best for your own situation.
When your credit scores are high, you can probably choose any card you want, so consider how you’ll use the card. If you think you’ll need to carry a balance, go for the card with the lowest annual percentage rate – and check the fine print to see how long that rate is guaranteed. If you’ll pay the balance in full each month, then search for a card with the greatest rewards.
You can actually make money using your credit card if you get cash rewards and pay the balance each month – as long as you aren’t paying an annual or monthly fee to carry the card.
You’ve come to the right place to make comparisons, so start searching for your perfect credit card right now!
