Compare the Best Credit Cards 2021
Destiny Mastercard
- Pre-qualify without impacting your credit score
- No security deposit needed
- Enjoy easy online account access 24/7
- Monthly reporting to 3 major credit bureaus
Merit Platinum
- Initial credit limit ranges from $300 to $1,000
- Peace of mind with $0 fraud liability
- Free monthly credit score
- Monthly reporting to all three major credit bureaus
Upgrade Bitcoin Rewards Visa
- Unlimited 1.5% back in Bitcoin on payments
- Unlimited 1.5% back in Bitcoin on payments
- Use wherever Visa® is accepted
Chase Freedom Unlimited®
- $200 bonus plus 5% cash back
- 0% intro APR for 15 months
- Annual fee $0
American Express Blue Cash Preferred® Card
- Cash Back with No Annual Fee
- Earn 20% back on Amazon.com purchases in the first 6 months
- 0% intro APR for 15 months
American Express® Gold Card
- Annual Fee: $ 250
- 0% Intro APR on eligible charges for 12 months
- Earn rewards on dining, groceries, and flights
Total Visa® Unsecured Credit Card
- Fast and easy application process; response provided in seconds
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
- Checking account required
Reflex MasterCard® Credit Card
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (when you sign up for e-statements)
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
Important
How To Compare Credit Cards
As seen in
Types of Credit Cards
- Standard credit cards usually offer no benefits or rewards. On the upside, they are very easy to understand and straightforward to use.
- Balance transfer credit cards come with the ability to transfer balances. They offer a low introductory rate on balance transfers for a certain period of time. A good option if you want to save money on a high credit card interest rate balance on an existing card.
- Rewards credit cards are pretty self-explanatory and there are three basic types of rewards cards: points, cashback, and travel. Some people prefer the flexibility of cashback rewards, while frequent travelers like to use travel rewards cards.
- 0% APR credit cards give you a zero percent introductory APR for a specific period (usually for the first year) before charging the normal APR going forward. This allows you to pay of your credit card debt faster.
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How a Credit Card Can Benefit You
It’s convenient. With a credit card in your wallet, you rarely ever need cash or an ATM.
Efficient record keeping. Easy expense monitoring and monthly budgeting through monthly statements.
Purchase protection. Credit cards often offer extended warranties on items you purchase.
Balance surfing. You can quickly transfer your high-interest balance to a lower-interest card.
Earn rewards. Credit cardholders often earn reward points for using their credit cards, which they can redeem on travel, cashback, and more.
Top Rated Credit Cards for 2021: A Comparison
Using Your Credit Cards Responsibly
Credit cards can be a great benefit to have when you use them correctly.
Compare Credit Cards with Financer.com
At Financer.com we want to offer you financial solutions that will improve your financial future.
We help you to compare credit cards and apply for a credit card that offers the best credit card interest rates available. By making better financial decisions you'll be able to stay out of debt.
You can compare credit cards from leading lenders above, to find out what are the best credit cards and rates for you.
Have Questions About Credit Cards? Get the Answers Here.
How Do Credit Cards Affect Your Credit Score?
The average American carries four credit cards. However, this doesn’t mean that four credit cards are ideal. In many cases, opening a new credit card can actually boost your current FICO score overall, some more than others.
In fact, you might be shocked to learn that you technically need to have 21 lines of credit open to hit the perfect 850 FICO score.
Example: You have a credit score of 600 but only have one credit card with a $2,000 limit. By opening a second card with an $8,000 limit on it, you might see your score shoot up by 80+ points on your FICO reports.
There are many reasons for this, but basically, if you can show creditors that you can successfully manage large lines of credit, they consider you trustworthy. This behavior is viewed as a positive to other lenders who are willing to now work with you more because you display a healthy relationship with managing money.
Note: A FICO score is a credit score created by the Fair Isaac Corporation (FICO).
FICO scores use data in five different areas to determine a borrower’s creditworthiness: payment history, the current level of indebtedness, types of credit used, length of credit history, and new credit accounts.
What are the risks of having a credit card?
If you overextend yourself and are unable to pay down your new credit limits, you may find yourself in a problematic debt cycle.
A debt cycle where you are unable to pay your bills will be detrimental to your credit score.
Any new credit card applications will cause a hard inquiry, which might negatively impact your credit score by 1-4 points. However, for the general population, the upside HEAVILY outweighs the downside.
Approval means access to more credit, which in turn means a higher credit score overall. You typically won’t notice too much of a credit card hit if you apply for a credit card every four months or more.
Note: If you do notice a large hit to your credit score, you can generally wait about three months, and your credit score should recover overall if there are no other outside influences.
Sometimes a significant dip in your score can be caused by too many new credit applications. Credit bureaus see too many applications as high risk and assume your creditworthiness is low.
How long does it take to get a credit card?
How old do I have to be to get a credit card?
How many credit cards should I have?
How can I lower the interest rate on your card?
- Call your lender and ask for a lower rate.
- Search for new-customer deals for your card and request that rate.
- If all else fails, sign up for a new card with a lower rate and transfer the balance.
How can I find the best credit card rates?
- Promotional interest rate
- Fixed interest rate
- Foreign transaction rates
- Balance transfer rates
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What to Consider
It’s important to find the best credit card for you. A credit card can be useful and destructive, so before you compare credit card offers, ask yourself these questions:
- Can you limit use to just your daily expenses?
- Are you committed to paying your credit card off each month to avoid interest charges?
- If it’s a variable-rate card, can you afford the constant interest rate fluctuations?
- What credit limit do you need? Use the calculator at Financer.com to compare 83 lenders’ credit limits.
