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Top Credit Cards for Great Credit

 
 
 

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Top Credit Cards for Great Credit

Search now to find low rates. Let's see if you qualify. Click now to apply for Top Credit Cards that have nice options such as:

  • Low Interest Rates
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  • Bonuses
  • Consolidation Options

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Top Credit Cards for Great Credit - Understanding The Options

When individuals have Great Credit, how will they know which Top Credit Cards to pick when there are so many choices? The information below will expand on a few varieties of cards to provide a helpful outline of the advantages of each:

Money Back - With a Money Back card, customers are rewarded with a rebate equal to a percentage of their purchases. For instance, if an applicant is approved for a Money Back offer that offers 5% cashback on supermarket, gasoline, and drugstore purchases, as the rebates add up they can be cashed in. If you spend one hundred and fifty dollars in gasoline, groceries, and drugstore purchases weekly, at the end of a year, almost $400 in cash back rewards would have accumulated.

Rewards Points - Instead of providing cash back, some lenders give points programs. Customers earn rewards for making purchases. With each swipe of the card, the points increase. Once a specified number of points have accumulated they can be redeemed for things like free rental cars, gift items, subscriptions, and so on. It is important to know whether or not the Top Credit Cards for Great Credit that you want will offer rewards.

Petro Rewards - Card Issuers are often times understanding about the price of gasoline and will compensate their customers for making card purchases by giving them a prepaid fuel card. As purchases are made, points are earned. After a specified amount of points are accumulated you are eligible for a free prepaid gas card. Sometimes, gas points are actually accumulated even while you are gassing up your vehicle.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Traveler Miles - When purchases are made with these cards, free travel points are earned. Once enough points are accumulated, they can be cashed in for discounted or free airline tickets or travel accommodations. Business travelers find these kinds of programs to be very beneficial.

Zero Percent Promotional Interest Rates - Finance charges are not applied on these cards for a specified amount of time. This time period typically varies from half a year to a whole year. Smart folks use this kind of card to move outstanding balances from their high interest Top Credit Cards to one of these, then pay the balances off within the promotional period. Paying the bill on or before the due date is incredibly important. When a single payment is not received on time, typically zero percent APR rates go up to a much higher rate. People that are offered Top Credit Cards for Great Credit, and have the chance to get an introductory period free of finance charges should think about this card.

Secured Cards to Establish Credit - Customers with this type of card would deposit money into an account that generates interest that the secured card issuer will set up. This account serves as the security for the issuer. At that point a credit card is sent with a spending limit that is the same as the amount that has been deposited in the account. When purchases are made the credit limit decreases, low interest monthly payments are calculated, and a monthly invoice is generated. Just like any other credit card, when you use it a relatively small monthly payment is expected. Secured Cards to Establish Credit are perfect because they function like conventional credit cards allowing customers to do things that debit cards may not, like making travel arrangements including hotels, rental cars, airline tickets, or cruises that typically do not take debit cards. Another great feature is that approval is usually guaranteed regardless of your credit score. However, keep in mind that most credit-rebuilding card companies report whether or not the bill is paid on time to be added to your credit profile. This is a good technique to establish creditworthiness by showing timely payments no matter if you have Great credit or not. Once you have paid several payments in a row, many times the limit can be increased without requiring an additional deposit.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no question about the credit limit. Similar to a conventional account, a deposit is made into an account and this becomes the amount that can be spent. After the prepaid account balance is used up, simply put more cash into the prepaid account and your card will be ready for use once again. These cards work wonderfully as gifts, they offer the kind of flexibility that debit cards have, and they are a great solution for those that cannot get a normal bank account. Fast approval is normally not a problem regardless of your FICO score and there is no need for the prepaid company to deal with the credit bureaus.

With all of the various sorts of Top Credit Cards for Great credit and bonuses that they have, there is a solution available for most credit card seekers. Consider Top Credit Cards that offer rewards that match your lifestyle and spending style. Stay smart and always make wise purchases and timely payments. Top notch credit is a wonderful asset.

To guarantee that you keep growing an excellent FICO score, follow these easy instructions:

1. Keep your outstanding balance lower than the card's max. In other words, do not "max out". The banks encourage their cardholders to retain an account that is about forty to fifty percent of the maximum spending limit on any Top Credit Cards for Great Credit.

2. Keep the credit card bill paid on time. Even if the minimum is the most that your budget will allow, the most important thing is that the payment is made when it is due. If you miss a payment, it may be reported to the credit reporting companies. This is bad for your FICO profile. Additionally, customers may also have to pay a rising interest rate as a consequence of something as small as a tardy payment. Hence it is wise to make this bill payment a financial priority.

3. Repay all balances down to zero every few months. If the card is used a lot, do your best to pay it all off as many times a year as possible. After completing this, you can feel free to begin creating transaction activity (like buying gas, shopping online, or making purchases) and pay it back down to zero again after a few months, and keep this cycle going. This pattern indicates to the issuers that you can be an excellent credit candidate. Most lenders reward customers like this with low rates, higher credit limits, and a higher credit score.

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Top Credit Cards for Great credit are just a few clicks away. Click here to apply for a card that could be the answer to your situation.

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