Free credit card search to find the best credit card for you. |
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Not sure which card is right for you? Use our free credit card search to find secured and unsecured credit cards.
What credit category are you?
Bankruptcy: If you have bankruptcy on your credit report, your credit card selection may be limited. We recommend a stored value, guaranteed credit card.
Poor, no credit or bad credit: Again, your credit card options may be limited, but depending upon the types of entries on your credit report that reflect bad credit, you may still qualify for some unsecured credit cards.
Excellent credit: Excellent credit generally means your annual income is over $30,000, you have been paying all bills on time, and you have at least 3 good credit references.
There are credit cards for all credit types, ranging from instant, guaranteed approval to credit cards that offer rebates and rewards. You can use our credit card search to find prepay credit cards, secured and partially secured credit cards, and gold and platinum unsecured credit cards. Simply enter your credit card search terms in the box above.
Guaranteed credit cards offer unsecured credit with no credit checks and no turndowns, whereas gold and platinum credit cards often require a credit check to prove credit worthiness.
If you have been rejected for a credit card, it's possible that you applied for a card that requires a higher credit rating. In such case, you may want to consider lower limit cards with less frills, and work on rebuilding credit.
If you already have a high credit limit, platinum credit card from a major issuer, such as American Express, Discover, Chase, etc, and are looking for a 0 intro balance transfer, be sure to read the terms when you apply to see if there are any transfer fees, limitations or restrictions, and if the 0 introductory period actually includes balance transfers.
Regardless of good or bad credit or the type of credit card you desire, use our free credit card search engine.
Credit Card Tips
Credit card companies are taking all the steps to make sure they will be ready for the new laws in February 2010. Some companies are ready and others are getting more prepared. Disclosing the terms and conditions in an easy to understand way is part of the new law.
The companies usually offer consumers a card that fits their credit type even if it was not the card inquired about. When consumers are offered different cards, they will also get information about the terms and conditions associated with the card offer before the application is processed.
Cards have different APR information and will state if the APR will apply to cash advances and what can cause it to rise or fall. Some companies increase the rate when payments are late or the credit limit has been exceeded. Information about processing fees will be provided and may vary depending on credit worthiness.
Secured credit cards as other credit cards have different fees, terms, and conditions. Processing fees can range from $0 to $35. Every company is different and may require low security deposits or high deposits. They can change the APR and can apply payments to lower APR balances before applying it to higher balances. When seeking a credit card, it is important to read all the terms and conditions for fees. For example, if you select that you want your credit card delivered quickly, it could cost you.
Make sure you know who your credit card issuer is, their phone number, how they process your personal information, and if they share your personal information with third parties. keep all your credit card account numbers in a safe place along with phone numbers in case you ever need to report a lost or stolen card. Always report lost cards immediately. Having a credit card is a privilege and the terms and conditions for using the credit card must be followed. |
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