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Top Credit Cards for Good Credit

 
 
 

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Top Credit Cards for Good Credit

Search and find affordable interest rates, for which you may qualify. Click here to search for Top Credit Cards with excellent options such as:

  • Low Interest Rates
  • Cash Back Rewards
  • Hotel Rewards
  • Gifts for Usage
  • Balance Transfer Options

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Top Credit Cards for Good Credit - Learning The Opportunities

When individuals have Good Credit, how can they tell which Top Credit Cards to pick when there are so many possibilities? This article will discuss a couple types of cards to provide a better understanding of the benefits of each:

Cash Back - With a Cash Back card, you may be offered a refund that equals a fraction of their transactions. For example, if somebody has a Cash Back solution that offers 5% cash back on groceries, gas, and drugstore purchases, as the rewards accumulate they can converted to cash. If you spend one hundred and fifty dollars in gasoline, groceries, and drug store purchases weekly, by the close of a year, $390 in cash back rewards would be available.

Rewards Points - Instead of providing cash rebates, some lenders present customers with points programs. Customers get rewards for making purchases. Every time the card is used, the points increase. Once a specified number of points have accumulated they can be cashed in for things like free travel, gift cards, subscriptions, and so on. Always check to see if the Top Credit Cards for Good Credit you apply for offers points.

Gasoline Bonuses - Credit card issuers are often times sensitive to the price of fuel and want to give incentives to people for making card purchases by giving them a free gasoline card. As purchases are made, points are earned. After a specified amount of points are accumulated they can be cashed in for a prepaid gas station card. Sometimes, gas points are actually accumulated even when you are gassing up your vehicle.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When this kind of card is utilized, free travel points are earned. Once a specified number of points are earned, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. Business travelers find these kinds of programs to be very beneficial.

Zero Percent Introductory Rates - In the beginning when these credit cards are utilized, there are no finance charges that are applied. The promotional period typically varies from six months up to a year. Smart people are advised to utilize this promotional period to shift their balance from their high interest Top Credit Cards to one of these, then pay the balances off within the promotional period. Keeping monthly payments up to date is incredibly important. When the first payment is overdue, generally 0% APR rates adjust to an interest-bearing rate. Customers that are applying for Top Credit Cards for Good Credit, and have the opportunity to sign up for an introductory period free of finance charges should consider this opportunity.

Secured Cards for Building Credit - Individuals with a secured card would deposit a few hundred to a few thousand dollars, depending on what they could afford, in a bank account that can generate interest. This is what secures the account. At that point a credit card is offered with a credit max in the amount of the deposit. As the card is used the amount of that transaction is deducted from your available credit balance, affordable recurrent payments are determined, and a bill is generated. If purchases are made low monthly payments will become due. Secured Cards for Building Credit are great because they function like standard credit cards allowing customers to complete all kinds of transactions including booking travel accommodations such as hotels, rental cars, airline tickets, or cruises that sometimes do not accept debit cards. When applicants have bad credit approval is generally guaranteed regardless of your credit score. This can help in the rebuilding process because many credit-rebuilding card issuers submit whether or not you are keeping up with your payments to the credit bureaus. This can be a good method to prove you are creditworthy by showing timely payments no matter if you have Good credit or not. Once you make six to twelve payments in a row, most issuers will increase your credit limit without asking for more cash to be put into the account that was used to set up the card.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to a regular bank account, you put money in and this becomes your spending limit. As the prepaid account balance has been completely used, it can be reloaded with more money and used again. Reloadable prepaid credit cards are great for budgeting, purchases can be tracked, and they work well for individuals that are unable to get a regular banking account. Fast approval is normally granted regardless of your bureau report and there is no need for the issuer to contact the credit bureaus.

With all of the diverse types of Top Credit Cards for Good credit and rewards that each of them offer, there is something for everyone. Consider Top Credit Cards that offer rewards that match your lifestyle and spending style. Stay smart and always spend wisely and pay the bill on or before the due date. Awesome credit is a great thing to have.

To guarantee that you keep building a great credit profile, follow these few rules:

1. Always have your outstanding balance at a percentage of the card's limit. In other words, it is not smart to "go crazy". Experts agree that consumers should keep an account that is no more than half of the limit on any Top Credit Cards for Good Credit.

2. Do not default on payments. Even if you have to make just the minimum payment that is listed on your monthly statement, that's ok. If the bill is paid 30 days after the due date, it must be forwarded to Experian, Equifax, and Trans Union. This has adverse affects on your credit report. And let's not forget the fact that when this happens you may also have more points on the card's interest rate as a result of a delayed payment. Therefore it is recommended that consumers be mindful of the due dates.

3. Pay all balances down to zero every couple months. When the balance gets to be about half of the limit, try to bring the balance to zero at least one time per year. After the bill has been paid down to zero it is smart to make more purchases then pay it back down to zero again after a few months, and keep this pattern going This cycle indicates to the issuing companies that you can be creditworthy. Some other perks you could get when you repay in this way are low rates, higher credit limits, and a better FICO score.

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Top Credit Cards for Good credit are easy to find. Click now to start the application for a card that could be the answer to your situation.

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