Credit cards are the easiest way to pay for purchases. These cards can be used for everything: from booking travel to paying bills. Some credit cards even offer rewards for spending. These points are valuable for building credit scores, which can be a crucial factor in getting approval for credit cards. You can apply for a secured or unsecured credit card.
Capital One Cash Rewards Credit card
If you value simplicity in your financial life, you should consider applying for a Capital One Quicksilver Credit Card. It offers a flat rewards rate, which makes it easy to keep track of how much you earn. It does not charge interest or have an annual fee. You can get a $200 credit line for as little as $49.
Capital One Quicksilver cash rewards credit card offers 1.5% cash back for all purchases. Redeem your rewards with a statement credit (check), gift cards or statement credit. You can keep your account open to receive cash back. It can be used to pay for previous purchases. This way, you can reduce the total amount of your credit card statement.
Indigo(r) Mastercard(r) Credit Card
Although the Indigo Mastercard does not offer rewards, it can be used to improve your credit score and set good financial habits. The credit limit for Indigo Mastercard is $300. This means that you must only make purchases that are within your financial capacity to pay them off completely at the time of your statement. Late fees will be avoided if you pay your bill on time. Keep in mind that a credit line with a high interest rate will not help you build good credit.
The process of applying for an Indigo Masterscard is very simple. To apply, you must be 18 years old, have a valid social security number, and a physical or IP address in the United States. Once you have these items, Indigo will run a soft credit check to verify your identity. Indigo will not accept credit requests over the telephone or paper applications.
Wells Fargo Business Secured Credit Card
The Wells Fargo Business Secured Visa Credit Card is designed for business owners with low or no credit. They offer many unique features. These cards come with low interest rates, no annual fees, and a rewards program which rewards customers who make purchases. The Wells Fargo Business Elite Card earns one point for every dollar spent. You can also earn up to 5,000 bonus points if you spend $10,000 within a billing cycle.
It's not hard to get a card. There are many options available for business owners with bad credit. The Wells Fargo Business Secured Visa Creditcard can be a great starting point. This card doesn't have an annual fee and is therefore one of the easiest credit options.
Chase Sapphire Preferred(r) Card
The Chase Sapphire Preferred Card, if you have excellent credit, is one of your best options. Although it may seem difficult to obtain a Chase card for your finances, there are a few things you can do to make it easier. If you have not yet reached this threshold, you can try competing with other credit card companies to improve your credit score before applying for a Chase credit card.
This credit card has a wide range of benefits, including travel insurance, travel protection, as well as transferable points. You can also earn up to 25% more rewards by signing up for the Pay Yourself Back program. You'll also have access to a $200 cash back bonus after spending $1,500 within six months.
Citi Double Cash card
Citi Double Cash Card offers a great alternative for people who have high-interest creditcard balances. The card offers a low balance transfer cost and an 18-month 0% APR on balance transfers. Other benefits include $0 fraud liability and 24-hour fraud protection. The card can also be used to purchase tickets for presale events.
This card is great if you spend regularly and want to earn cash back. The card offers solid cash back rates on every purchase. There is no rotating category or cash back calendar. It also offers a great balance transfer APR period, which allows you continue to use the card even after you have paid off your debt. Its simple rewards structure can be a powerful incentive to stay out debt and avoid interest-bearing credit card accounts.