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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Find The Best Credit Card from our partners
Looking for a specific credit card or interested in credit card offers from a particular bank? Use this simple search tool to see what is available right now.
Find the Right Credit Card For You
The easiest and the fastest way to sift out credit cards you won't qualify for is by checking your credit scores. It is enough to know credit scores provided by major credit bureaus - Experian, Equifax, and TransUnion. If your credit score is lower than you expected, you may want to get a copy of your credit reports from the same three credit bureaus. Review your reports to see what keeps your credit score low and once you know it, you can figure out the ways to deal with it and potentially boost your credit score.
When the cards are sifted out based on your credit score, you'll still have quite a bunch of offers to choose from. Now you need to decide what you need a credit card for. Is it for credit building or improving your credit score? Do you need to pay off a balance on your old high-interest credit card? Or maybe you are planning a big purchase and need time to pay it off over time? Or you want to earn travel rewards, cash back or save on gas purchases? Whatever your needs are you should be able to find a suitable credit card for you.
Now it is time to think about fees and interest rates. Credit cards may have low or high interest rates, but if you are going to pay off the card balance in full each month, APRs may not be that important to you. The annual fee is usually found on credit cards offered to people with bad credit and on some rewards credit cards. In second case, you need to calculate to see if the rewards and benefits are worth the annual fee.
When you find your best credit card, don't stop there - use your card responsibly. If you have poor credit, you will want to improve it, if you have good credit, you will want to keep it there or even make it better. Your new credit card (and all other credit accounts you have) should help you achieve your goals and not make things worse. So be responsible, never be late and keep your balances low.
When the cards are sifted out based on your credit score, you'll still have quite a bunch of offers to choose from. Now you need to decide what you need a credit card for. Is it for credit building or improving your credit score? Do you need to pay off a balance on your old high-interest credit card? Or maybe you are planning a big purchase and need time to pay it off over time? Or you want to earn travel rewards, cash back or save on gas purchases? Whatever your needs are you should be able to find a suitable credit card for you.
Now it is time to think about fees and interest rates. Credit cards may have low or high interest rates, but if you are going to pay off the card balance in full each month, APRs may not be that important to you. The annual fee is usually found on credit cards offered to people with bad credit and on some rewards credit cards. In second case, you need to calculate to see if the rewards and benefits are worth the annual fee.
When you find your best credit card, don't stop there - use your card responsibly. If you have poor credit, you will want to improve it, if you have good credit, you will want to keep it there or even make it better. Your new credit card (and all other credit accounts you have) should help you achieve your goals and not make things worse. So be responsible, never be late and keep your balances low.