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Choose a Credit Card that fits you
Avoid pitfalls when choosing a credit card
Choosing a credit card is not an easy task as it may seem at first sight. And if you think that applying for the first card you like only because it offers a good sing-up bonus is not bad, then you are wrong. When you ignore the credit card terms, you put your financial well being in danger because the most important information is often written in fine print. Below we offer you some tips on what to look at and what to consider when you choose your first credit card or a new credit card.
Choosing the best credit card for you:
- Know your spending habits. This will help you understand what type of credit card you should be looking for. For example, if you love shopping and spend a lot at different places, rewards credit cards will the first cards to consider. Or you fly a lot and want to separate your airfare expenses from other purchases then an airline credit card can be a good choice for you.
- Compare fees and interest rates. Now when you've chosen a couple of credit cards, compare their terms. Credit cards with an annual fee tend to have a lower interest rate and a better rewards program, whereas credit cards with no annual fee come with higher interest rates and lower rewards. Also, there can be an introductory interest rate that usually matters when you need to make a big purchase or transfer a balance because an ongoing APR will eventually come into effect.
- Evaluate rewards program. Here you will need to make some calculations to see which credit card will be more rewarding for you. If rewards do not cover or barely cover the card expenses, then you'd better skip this offer and look for another one.
At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?
Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22)...
I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don’t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options?
You may like one of the regular travel rewards credit cards offered by major banks. Travel rewards credit cards allow earning miles on all...
I had the US Airways MasterCard back in 2013 but had to close it because I got divorced and had some troubles with keeping up with my credit cards fees. I’m back on track now and would like to apply for this card again but can’t seem to find it anywhere. Can you help?
The US Airways Premier World MasterCard is no longer offered. US Airways removed their credit card after merging with American Airlines. Today you...
Have Jetblue discontinued their free checked bag offer? I have the Jetblue MasterCard and don't have this benefit.
JetBlue still has the one free checked bag perk but not everyone can get it. First of all, the members of TrueBlue program will be able to get...
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