what kind of card should I apply for if my credit is less than perfect

If you are still building your credit and do not have missed payments on your credit record, you can qualify for one of the Capital One cards designed for average credit.

The Capital One Platinum Card is a low APR credit card with a 0% introductory APR on purchases and a moderate annual fee. It also offers a full range of platinum benefits such as $0 fraud liability, purchase protection and many others.

The Capital One Orbitz® Visa® Platinum is great for those who wish to avoid paying annual fees and yet benefit from a 0% introductory APR on purchases at the same time. The card also features a point rewards program that offers unlimited rewards on eligible Orbitz.com bookings.

If you have late payments or other credit delinquencies in your name, you are not likely to qualify for a Capital One credit card. In this case, we suggest that you apply for the Total Visa Card from Plains Commerce Bank which is an unsecured credit card designed for bad or no credit applicants. The card features an instant decision and high-quality customer service for qualifying customers, but it carries a higher-than-average APR and requires substantial initial setup fees, in addition to annual fees.

Choose a card that suits you best and that you’re most likely to qualify for. Apply online here.