What credit card should I apply for? - General FAQ

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What credit card should I apply for?

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The type of credit card depends on your needs. First you need to decide whether you need a personal card or a business card. Then think about whether or not you want to transfer a balance or have a 0% promotional rate on purchases. Factors to consider will include:
  • Whether your credit score is high, low, or average
  • What kind of credit limit you need
  • What you will use the card for
  • If you prefer to get rewards in the form of cash , travel , points, miles or merchandise
  • If a secured, prepaid, or unsecured card is a better fit for your credit history
There are many types of cards available, so do your homework to find out which one is the best one for you. No one card fits all as everyone has different needs and uses.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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