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Best Credit Cards for Awesome Credit

 
 
 

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Best Credit Cards for Awesome Credit

We search for affordable interest rates, for which you may qualify. Act now and find Best Credit Cards that have great benefits, like:

  • Low Rates
  • Cash Back Programs
  • Rewards Programs
  • Redeemable Points
  • Balance Transfer Options

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Best Credit Cards for Awesome Credit - Knowing The Opportunities

If individuals have Awesome Credit, how do they know which Best Credit Cards to choose when there are so many possibilities? This article will break down a few varieties of cards to provide a better understanding of the benefits of each:

Cash Back - With a Cash Back card, customers are rewarded with a repayment equal to a percentage of their transactions. For example, if there is a Cash Back solution that provides 5% cashback on food, fuel, and pharmacy purchases, as the rebates add up they can be cashed in. If you pay a hundred fifty dollars in fuel, food, and drugstore purchases every week, by the end of a year, $390 in cash would be available.

Rewards Points - Instead of providing cash rewards, some issuers give points programs. Customers earn rewards when purchases are made. With each swipe of the card, the points accumulate. Once a specified number of points have accumulated they can be redeemed for items including free travel, gift cards, subscriptions, and so on. Be sure to find out if the Best Credit Cards for Awesome Credit you are considering offers points.

Fuel Rewards - Credit card issuers can be considerate of the price of gasoline and will give incentives to consumers for using their cards by rewarding them with a free gas card. As transactions are completed, points are accumulated and summarized. Once you have completed enough transactions to accumulate a certain amount of points you can get a prepaid gas station card. The funny thing is, with some cards fuel points can be earned while making fuel purchases.

Rewards for Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When purchases are made with this kind of card, redeemable points that can be used for free travel arrangements including airline travel are accumulated. As the points add up, they can be cashed in for discounted or free airline tickets or travel accommodations. These rewards work best for those who travel a lot.

0% APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. The period where no finance charges are being applied generally varies from six to twelve months. Most times, folks use this kind of card to transfer balances from their high interest Best Credit Cards to one of these, then pay the balances off within the promotional period. Making monthly payments on time is imperative. When just one payment is overdue, most times the introductory rates are changed to a much higher rate. Customers that are offered Best Credit Cards for Awesome Credit, and are offered a zero percent promotion ought to choose this option.

Secured Cards to Build Creditworthiness - Customers that have a secured card simply puts a specified amount of cash into a savings account. This is what secures the account. Then, a credit card is sent with a spending limit that is the same as the amount of the deposit. Each time a transaction is approved the credit limit decreases, low interest recurrent payments are determined, and a bill is is mailed. If purchases are made an affordable repayment plan will be created. Secured Cards to Build Creditworthiness are good because they function like standard credit cards allowing you to do things that debit cards may not, like making travel arrangements including hotels, rental cars, airline tickets, or cruises that commonly do not accept prepaid or debit cards. One of the best things about the application process is that approval is usually guaranteed whether you have good credit or not. This is good because most credit-rebuilding card companies report whether or not timely payments are made to the credit bureaus. This could be a good practice to show creditworthiness by making regular payments whether you have Awesome credit or not. Once you have paid six to twelve payments in a row, some secured card companies will approve a higher limit without asking for more cash to be put into the account that was used to set up the card.

Prepaid Credit Cards - With a Prepaid card, there is no question about the credit limit. Similar to a regular bank account, a deposit is made into an account and this is the credit limit. After the prepaid credit card balance has been completely used, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid credit cards work wonderfully for parents to use to give an allowance to their teen or college student, they offer the kind of flexibility that debit cards have, and they are generally granted to those that may not qualify to get a standard banking account. Approval is usually guaranteed despite your FICO score and there is no need for the bank that issues the prepaid cards to contact Experian, Equifax, and TransUnion.

With all of the many sorts of Best Credit Cards for Awesome credit and incentives that they have, there is a solution available for most credit card seekers. Look for Best Credit Cards that allow for the most rewards. No matter which card you choose, always make wise purchases and timely payments. Top notch credit is an awesome asset.

To ensure that you keep cultivating a great credit score, follow these general rules:

1. Always have a balance at no more than half of the card's max. Another way of saying it is, it is not smart to "go crazy". It is important to keep a bill that is somewhere around forty percent of the max on any Best Credit Cards for Awesome Credit.

2. Keep the credit card bill paid on time. Even if a minimum payment is all you can afford to make, make the payment in a timely fashion. When payments are made more than 30 days late, it will be told to the credit reporting agencies. This is bad for the consumer's credit report. Not to mention you may also be assessed a higher interest rate as a consequence of just one tardy payment. Thus it is advised that you pay on time.

3. Repay all balances down to zero every couple months. When you make purchases, do your best to pay it all off at least one time per year. Once you do this it is smart to start using the card again and pay it back down to zero again after a few months, and keep this pattern going This approach shows the issuers that you are a great customer. Once this sequence is repeated a couple of times, you could qualify for low interest rates, a higher credit max, and a higher credit score.

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