How to get the best credit card? - General FAQ

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Credit Card Applications » Questions » FAQs » General » How to get the best credit card?

How to get the best credit card?

Answered on | Updated on June 7th, 2011
The content is accurate at the time of publication and is subject to change.

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors that come into play when you apply for credit cards and you need to take all of them into consideration in order to find the best credit card for you.

How to Get the Best Credit Card Offers

  1. Choose from Credit Cards That Are Good for Your Credit Score

    Take your credit score into consideration to find the best card for you. Banks offer various deals for people with various credit scores. The customers with good credit and excellent credit will be eligible for prime offers with best perks and bonuses. The ones with a lower score need to build credit first using secured credit cards or cards for bad credit. If you don’t know what your credit score is, you can check it.

  2. Determine Your Goals
    • Earn rewards. If you have good credit and want to earn cash back on every purchase, you can choose from cash back credit cards. An example of great cash back card is the Discover it® Cash Back credit card, which gives you 5% cash back on purchases in specific categories that change each quarter (on up to the quarterly maximum if you sign up each quarter), and all other purchases earn 1% cash back. If you spend a lot on dining or entertainment, credit cards with increased rewards in these categories are the best choice. General travel credit cards offer great rewards earning opportunities for travelers. For example, the Discover it® Miles credit card comes with unlimited 1.5x miles for every dollar spent on all purchases all with no annual fee.

    • Build credit. Those who are rebuilding their credit, should consider secured credit cards. Secured cards usually require a deposit of around $200 and give you a better chance of being approved.

    • Save money on interest. If you are planing a big purchase, consider 0% APR credit cards. Keep in mind, that these offers often are available for people with good credit. What is more, after the introductory interest rate is over, an ongoing APR will apply.

  3. Consider Fees and APR

    Find out if there are any promotional offers on the card and the duration of these offers. Also, gain clarity on the various fees you will need to pay. You may choose from no annual fee credit cards or find out if they are waived for the first year. Make sure you understand all terms very well before you fill out the application form and apply for the best credit card to help you financially.

Use Special Credit Card Tools

Credit card issuers often offer tools to find credit cards for your needs. Here, at credit-land.com, you can use our Credit Card Navigator Tool that will find a perfect credit card for you based on your credit score and preferences. The tool will show you credit cards you are likely to qualify. You will be able to review the card details and proceed to the application page right away.

If you are keen on finding the best credit card, then you have to shop around extensively. Don’t end up applying for the first credit card that comes your way. Look around for the various deals being offered by all major credit card lenders and then make your choice.

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.
  • Leatrix

    Now we know who the senislbe one is here. Great post!

  • Theresa

    IJWTS wow! Why can’t I think of tnihgs like that?

  • Kimi

    I am thinking of applying for a credit card, but I am uncertain and slightly confused on which one I should choose

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