It’s easy to find credit card offers. All you have to do is open your mailbox – BUT is that really the best way?
Just because you happen to receive a credit card application from a company in the mail does NOT mean that that particular credit card is the best card for your specific needs!
Whether you are looking for a 0% APR credit card, a rewards credit card, a business credit card, or any other number of types of credit cards – take control of the search by using our free credit card “chaser” to find and compare the best credit cards online!
Airline credit cards are used to earn free trips in the US and abroad. Airline credit cards allow the cardholder to earn points or miles that are able to be redeemed for free flights.
There are 3 main types of credit cards that can be used for earning flights: 1) Airline credit cards allow the credit card holder to earn free flights at many different participating airlines 2) Frequent flyer credit cards allow the credit card holder to earn miles for the corresponding frequent flyer account 3) Travel credit cards allow the credit card holder to earn free travel via airplane, boat, car rentals, etc.
Click to visit the airline credit cards section of the site.
Bad credit credit cards typically have higher interest rates but can certainly still be a very useful way for those with less than stellar credit histories to rebuild their credit score.
Credit cards for bad credit typically come in 2 different varieties: secured and unsecured. A secured credit card functions much like a debit card in that it is backed or “secured” by money that the cardholder puts into an account. An unsecured credit card is without this backing of funds deposited by the cardholder and has the closest similarity to a traditional credit card. Both types of bad credit credit cards play an important role in helping those with less than perfect credit take the necessary steps to regain a good credit score.
Click to visit the bad credit credit cards section of the site.
Balance transfer credit cards are typically credit cards that have zero percent interest or at least very low initial interest rates for balance transfers.
While a balance transfer done properly can be a great way to almost “game the system” it is important to read the fine print before doing the balance transfer. Many different credit card issuers slip in balance transfer fees, back end penalties, dollar amount limitations, and other charges so be sure and do your homework. Use our free credit card comparison tool to “chase” down the best balance transfer credit card for your specific situation.
Click to visit the balance transfer credit cards section of the site.
Business credit cards come in a wide variety of styles with many different possible perks depending on the card and card issuer.
Some of the potential benefits that you will receive as a business credit card holder include cash back when purchasing office supplies/gas/computers/business equipment, rental car rewards, etc. A business credit card can be a great way for businesses both large and small to have instant access to additional funds when needed. The cash back feature of many business credit cards also are a great way for businesses to realize additional cost savings if the card is paid off every billing cycle.
Click to visit the business credit cards section of the site.
Cash back credit cards are great ways to enjoy the convenience of a credit card AND let that credit card actually make you some money each time you use it.
Cash back cards are best utilized by those who will pay off their credit card balance in full every month. Many credit cards offer cash back of up to 1% without any limits, up to 5% cash back with limits on the maximum amount of cash back one can receive annually, or cash back of up to 5% on certain purchases only (i.e. cash back for gas, office supplies, shopping at a certain retailer, etc). Those who are disciplined and pay off their card balance consistently can profit from a cash back card.
Click to visit the cash back credit cards section of the site.
Dining credit cards allow cardholders to earn rewards, points, or credits for every dollar that they spend on meals at restaurants.
Using a dining credit card is as easy as simply swiping your plastic while doing things that you love! Whether it’s a special anniversary dinner at a fancy steakhouse or a night out with old friends for drinks or even the drive through window of a fast food restaurant – all of these things could be earning you points. Many dining credit cards also allow points to be earned for hotel stays and tickets to shows, games, and entertainment events.
Click to visit the dining credit cards section of the site.
Gas credit cards are great reward credit cards to have because who doesn’t use gas?
Traveling salespeople and others who travel a lot by car can see huge savings when they use a gas credit card. Depending upon the bank or credit card issuer some gas cards offer cash back rewards of up to 5%. Some gas cards are sponsored by specific gas stations that give cash back to cardholders that buy gas at any of their locations while other gas credit cards offer a cash back reward for gas purchased at any gas station. Be sure and use our free credit card “chaser” to search through the best gas credit cards.
Click to visit the gas credit cards section of the site.
Hotel credit cards allow cardholders to earn rewards in the form of free hotel stays and other hotel perks and upgrades.
There are 2 main types of hotel credit cards: credit cards sponsored by a hotel chain and unsponsored credit cards offering hotel benefits at many different hotels. The downside to hotel credit cards sponsored by a particular hotel chain is that typically benefits are only earned (and able to be redeemed) at that particular hotel chain. Hotel credit cards without a sponsor relationship will typically allow a much broader range of hotels to choose from.
Click to visit the hotel credit cards section of the site.
Instant approval credit cards typically offer either a true instant online approval or an approval within 60 seconds to 10 minutes via email or phone call.
The benefits to an online instant approval credit card is that you can literally know within minutes of beginning to enter your information in whether your online credit card application has been approved. Of course, different credit cards have different requirements for being approved so do not be discouraged if you are not approved for the very first credit card you apply for. Read the credit card eligibility criteria carefully and then make a list of your top credit card selections to apply for.
Click to visit the instant approval credit cards section of the site.
Low interest credit cards are noted for having either a low introductory interest rate or a low fixed interest rate.
Those who carry a balance on their credit cards (i.e. do not pay off the balance in full every month) will benefit the most with a low interest rate credit card. Those who are looking for a balance transfer credit card can benefit be utilizing either a card with a low introductory rate or a card with a low fixed rate. Different banks and different credit card issuers have different rates so use our free comparison “chaser” tool to find and compare credit cards with low interest rates.
Click to visit the low interest credit cards section of the site.
Prepaid & debit cards are great for sticking to a budget or for starting out as a new credit user in training.
Prepaid credit cards and debit cards function much the same as a traditional credit card except for the cardholder (or anyone who wishes) must contribute money to the account before the card can be used. Once the funds in the account are depleted then the prepaid card will need a refill before it can be used again. Those just learning about credit can use prepaid credit cards and debit cards to build a strong foundation of good habits to become a responsible credit card user later on in life.
Click to visit the prepaid & debit cards section of the site.
Reward credit cards can offer trips around the world, free gas, free hotel stays, free meals, and much more.
Be sure that the reward card that you chose is something that you are willing and able to redeem. If you love to travel then consider choosing a travel rewards card. If you are a salesperson that drives a lot then consider choosing a gas rewards card. If you enjoy going out to eat at fancy restaurants and seeing shows and sports games then consider a dining & entertainment rewards card.
Click to visit the reward credit cards section of the site.
Secured credit cards function much like regular credit cards except for they require a deposit of funds into an account before the card can be used.
Once the funds in a secured credit card’s account are exhausted then the card will need to have additional funds added to the account before the card can be used. Secured credit cards are usually a starting period for those who are new to credit or have had credit problems in the past and do not have the credit score necessary for an unsecured credit card.
Click to visit the secured credit cards section of the site.
Choosing the best student credit card is much like choosing the best credit card for any of the other categories. Choose a student card that has a low interest rate, potentially cash back or rewards, and allows the option for an increased credit limit as the student proves their credit worthiness over time. Many credit card issuers specialize in providing credit cards for students but just because a company will approve a student’s credit card application does not mean the student shouldn’t learn to make wise credit decisions first.
Click to visit the student credit cards section of the site.
Travel credit cards are a combination of airfare rewards cards, gas rewards cards, and hotel rewards cards.
Each travel card differs in the specifics but be sure and look for a card that offers rewards in the form of travel that you prefer without any burdensome restrictions like blackout dates, short redemption periods, and narrow exclusivity agreements. Choosing the right travel credit card could ensure that you never have to pay for airfare or hotel arrangements ever again. Be sure and use our free credit card “chaser” to compare many different credit cards to find the best deal for you.
Click to visit the travel credit cards section of the site.
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