How to choose a right credit card?

Get Credit Card You've Wanted with our Easy-to-Follow Guide

Excellent Credit

Best Credit Cards from Credit-Land.com

Earn a one-time bonus offer and rewards on all purchases.
0% Intro APR on Purchases or Balance Transfers. A variable go-to APR applies after that.
Balance transfer fee is between 3% and 5% of the amount of each transfer.

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Fair Credit

First Access Visa® Solid Black 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

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Bad Credit

Surge Mastercard®

Initial Credit Limit of $300 - $1,000 (subject to available credit)
Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
Monthly reporting to the three major credit bureaus

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Select the cards you like and compare them

Selected cards:

Reading credit cards reviews - how to compare information

Before examining offers and reading credit card reviews carefully look at your needs. Think about credit card possible usage, it will help you figure out which credit cards to consider and what features in individual offers to look at.

For example: Those who travel a lot choose internationally accepted cards, with miles or hotel rewards. Those who pay off in full on time pay less attention to APR than those who carry balance. In the latter case you should review credit cards rates, they will give you a better understanding of what you will be paying. If you pay off balance monthly, comparing annual fees is more important for you. Consumers looking for a card to use in emergency situations might need high spending limit, low fees and broad acceptance.

The next step is to evaluate features and costs of particular cards - APRs and finance charges, fees, penalties, rewards, acceptance and security. While choosing what credit card has the lowest rate, you have to find out if the interest is fixed, variable or tiered. Are different rates applied for certain types of spending and balance? Which one is more essential for you? Some cards may offer lower introductory APR to motivate you to transfer balance from another account. This might be a good way to save, but find out if the rate increases after a certain period. If a quick response to your application is relevant, pay attention to instant decision cards.

Read all terms and conditions to make valid decisions! Use our credit card guide to find the right card for you!

Visa or MasterCard - What credit card to choose

When it comes to choosing between Visa and MasterCard offers you have to look at particular credit cards features rather than comparing the two. Both are widely accepted in over one hundred and fifty countries and vast majority of locations take both. Visa and MasterCard both offer competitive services and the differences are indistinguishable. But what does make cards different is the issuing bank. It is the banks that sets the rates, fees and other features.

Customers with good or excellent rating can also choose from Amex or Discover cards offers. Discover is widely accepted in the United States and can be also used to obtain cash from ATM locations outside US. American Express is accepted internationally at the major locations.

Secured Credit Card Information

How to get credit card if you do not qualify for an unsecured one? Consider applying for a secured credit card to help build credit. Unlike debit cards, your secured card activities are recorded and contribute to your history. Secured cards are tied to accounts. Cardholders make deposits into their accounts and then can charge up to the amount deposited. In case you fail to make a payment, the bank can use money from that account to get repaid. If you make on time payments, in 6-12 months you might be a good way to improve credit score and might be able to qualify for a regular credit card.

Credit Card Help Center

Get more insight into managing your credit. Relevant information on credit cards, how to choose, how to get, how to apply, how to repair credit, and more. Read credit card advice and tips.

Q:
How to build credit?

A:
The key to how to establish credit is to start with just one credit card or small loan. But make sure your lender will report your on-time payments to one or preferably all three major credit bureaus.

Q:
How long does it take to improve your credit score?

A:
Any negative information on your credit history lowers your score. There is a statute of limitations on how long it is kept on your history. After seven or ten years, it should be removed from your credit report. Meanwhile more recent information is counted more relevant and helps you improve your score.

Q:
How to maintain good credit?

A:
Along with timely payments you should check your report regularly. Go through every line to make sure the information is correct, contact bureau to dispute any inaccurate or doubtful items.

Q:
What are good ways to improve credit score?

A:
Ask for credit limit increase after six months or a year of having your first credit card, raise the credit line, but not your debt. It will help keep your debt-to-credit-limit ratio low if you are carrying a balance.

Q:
How to clean up errors in your report?

A:
To request an investigation mark all errors in the report, mail it with all supporting documents and explanations to the bureau. Mail a copy to the creditor. When the mistake is fixed, request bureau to send corrected versions to everyone who received the inaccurate copies.

Q:
What factors are considered when my application credit card is reviewed?

A:
Though approval policies may vary depending on the issuer, your employment and your credit rating are major criteria. Most lenders rely on the data from credit bureaus.

Q:
What am I entitled to receive from the issuer in case I am turned down?

A:
If you were denied credit, issuer is required to provide you with information how to get a free copy of credit report, reasons you were denied, and a written denial notice.

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