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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card 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.

Use our credit card
NAVIGATOR to apply for
best credit cards

Compared a ton of credit cards but still have no idea what is the best credit card to apply for? We offer you to use our credit card navigator before you choose any credit card. Our credit card navigator will kindly show you the best credit cards to apply for based on your credit level and preferences. The tool will evaluate your credit history, your main goals, and desired benefits to provide you with personalized solutions. You can compare the selected offers and apply online - it's fairly simple. Go ahead!

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how to get THE BEST
CREDIT CARD

Like choosing a new car, picking the right credit card depends on your lifestyle. Before you apply for a credit card, evaluate your everyday financial behavior. If you are carrying balances on your active cards, then credit cards with high APRs won't be good cards to apply for. If you travel only once a year, then co-branded travel cards won't earn you as much miles as you wanted to. But with thorough consideration, you will find credit card offers that will complement your spending habits.

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Evaluate Your Credit History

01 EVALUATE YOUR CREDIT HISTORY

If you are new to the world of credit, you will hardly be approved for a posh no annual fee credit card with massive rewards, 0% intro APR, or sign-up bonus because such credit card benefits are offered to people with established credit. Your primary need will be building your credit, so secured cards or credit cards for people with limited credit will be your first choice.

YOUR CREDIT LEVEL DETERMINES WHAT CREDIT CARD YOU MAY QUALIFY FOR.

On the other hand, if you are a lucky owner of perfect credit, then credit cards with miles or cash back rewards will be easy to apply credit cards. You are bound to find good credit cards to apply for without any effort. The only problem is, you will be piled with the credit card deals.

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YOUR CREDIT LEVEL DETERMINES WHAT CREDIT CARD YOU MAY QUALIFY FOR.

On the other hand, if you are a lucky owner of perfect credit, then credit cards with miles or cash back rewards will be easy to apply credit cards. You are bound to find good credit cards to apply for without any effort. The only problem is, you will be piled with the credit card deals.

02 IDENTIFY YOUR PRIMARY GOAL

How to apply for a credit card online if you are planning a major purchase? Look at the cards with lower or no interest rates. Low introductory rates vary, so compare credit cards before you apply. If you are here for rewards, then look for the credit card applications for cards that allow to earn rewards. Such cards will be the best choice for you.

UNDERSTAND THE MAIN PURPOSE OF GETTING A CREDIT CARD.

For those who are carrying a balance or have debt, it will be wise to apply for a card with a balance transfer feature. And if you have less than perfect credit, then get a credit card that will help you build your credit history. Such cards are tailored to the needs of people with bad credit and easy to apply.

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Identify Your Primary Goal

UNDERSTAND THE MAIN PURPOSE OF GETTING A CREDIT CARD.

For those who are carrying a balance or have debt, it will be wise to apply for a card with a balance transfer feature. And if you have less than perfect credit, then get a credit card that will help you build your credit history. Such cards are tailored to the needs of people with bad credit and easy to apply.

Calculate Your Costs

03 CALCULATE YOUR COSTS

Credit cards tend to impose fees on unsuspecting customers but many of them can be avoided. Be extremely cautious about that and calculate expenses before filling out a credit card application online. For example, rewards credit cards often have annual fees that may eat your rewards. Credit cards for bad credit history often have high APRs and fees that may add up if you are prone to carrying the balance.

LEARN ABOUT CREDIT CARDS FEES AND HOW TO AVOID THEM.

All in all, you need to read terms and conditions carefully before proceeding to credit card application. There are no easy credit card deals. Calculate how much your card is going to cost you, especially if you need a credit card today, and only then start the online application process.

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LEARN ABOUT CREDIT CARDS FEES AND HOW TO AVOID THEM.

All in all, you need to read terms and conditions carefully before proceeding to credit card application. There are no easy credit card deals. Calculate how much your card is going to cost you, especially if you need a credit card today, and only then start the online application process.

questionsABOUT
CREDIT CARDS

How to get the best credit card?

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...

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Are there any cards available to Canadians?

We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.

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How do store credit cards work?

Store credit cards are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing store. That means you won’t be able to use store cards...

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See all questions

NOT SURE WHICH CARD TO CHOOSE?

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