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Always, always go for Cash Back! Worked my butt off getting my score up after a bankruptcy, so I am definitely able to appreciate every score requirements, and benefits. Now sitting at 780, and I feel great! It's very hard, so if I can help someone climb that ladder, it'll make me that much happier.
The best way to get a credit card with a
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Chase credit card travel insurance covers the delay, cancellation or interruption of trips as well as fatal and serious accidents; baggage damage, theft or delay; and damage to or theft of rental cars. But onl…
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The only 0% APR cash advance credit cards are from Justice Federal Credit Union. Its cards have a six-month 0% introductory APR on cash advances. After that, the APR is 11.9% to 18%, depending on the card and …
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Chase Sapphire vs American Express is not a fair fight. Sure, Chase Sapphire and American Express are among the most well-known names in the travel rewards card market. But Chase Sapphire is a brand name for a…
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The best Bank of America balance transfer offer is the BankAmericard Credit Card, which has 0% balance transfer APR for the first 15 months and sometimes offers a special $0 transfer fee for the first 60 days …
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The Wells Fargo Platinum credit cards benefits include a 0% APR on purchases and balance transfers for 18 months (one of the longest introductory periods on the market), a $0 annual fee and up to $600 in ce…
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The best credit card with no annual fee and cash back is the Citi Double Cash Card, which gives unlimited 2% cash back on all purchases. But there are plenty of other great contenders. Among the rest of the be…
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You probably cannot get a Best Buy credit card with bad credit (a score of below 640). You definitely cannot get a, as that demands good credit (700+). And you’ll have a hard time getting approved for the , which requires fair credit (640+). So if you apply, you’re probably going to get denied. On top of that, the application will create a hard inquiry on your credit report which can damage your score further. Your best bet at the moment is to focus on improving your credit score, which will in turn improve your Best Buy Store Card approval odds.
Here’s how to get a Best Buy credit card with bad credit:
It’s not wise to try to get a Best Buy credit card with bad credit. But it’s not too difficult to move from bad credit to fair credit and drastically up your odds of approval. Just use a secured card responsibly.
The best wedding credit cards are Chase Sapphire (big initial bonus and high limit), Capital One Venture (good travel rewards for the honeymoon), Citi Double Cash (consistent cash back) and Amex Everyday (0% financing). In other words, there are a lot of great wedding credit cards available, and the best one for you personally depends on how you plan to use it. You could pick a rewards card to get some of your money back or earn a vacation. Or you could choose a card with a 0% intro APR for extra time to pay off the party without interest.
Here are the best wedding credit cards:
All of the best options for wedding credit cards require good or better credit, but if you have fair/limited credit you could always go for something like Capital One QuicksilverOne, for 1.5% cash back on everything. For bad credit, try Discover it Secured, which offers 1%-2% cash back.
You should just always consider what portion of the card’s credit line you’re using up, as utilization over 30% can hurt your credit score. So you may want to make charges and pay them off throughout the month so you can keep spending more. Congrats on the wedding!
There are two kinds of credit cards for a 550 score: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
The best credit card for a 550 score is the OpenSky Secured Visa. There’s no credit check when you apply, so approval is almost guaranteed. You just need at least $200 for a security deposit and enough income to make monthly payments. It also reports to all three major credit bureaus every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.
The Discover it Secured Card is another great 550 credit score credit card. It has no annual fee and actually rewards you for making purchases. A 550 credit score won’t keep you from getting approved either. But a pending non-chapter 7 bankruptcy will.
Those aren’t the only credit cards you can get with a 550 credit score. If you’re looking for a card with no deposit, the Credit One Bank Platinum Visa for Rebuilding Credit is the best you’re going to do. But it has an annual fee of up to $99. And it’s probably a bit stingier with approval than secured cards. In particular, you may run into issues if your monthly income isn’t at least a couple hundred dollars higher than your expenses. So consider all your options.
Here are the best credit cards for a 550 score:
Before applying for a card, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit.
The best credit card for couples is the Citi Double Cash Card. That’s because it’s one of the best cash back cards on the market, offering a $0 annual fee and a couple percent back on every purchase. You get 1% back on all purchases and another 1% when you pay. A cash back card solves one of the biggest logistical challenges of shared credit cards, which is how to redeem rewards. With points or miles, one person might prefer to redeem for gift cards, while another might be more interested in travel. With cash, it’s easy to split up rewards evenly, or put them toward a joint project like saving for a home.
One member of the partnership will need to be the primary cardholder, since Citi does not allow true joint accounts. But an authorized user can make purchases independently, and both parties will see information from the account on their credit reports. So for practical purposes, it’s easy to treat an authorized user as a joint accountholder.
Of course, both halves of a couple might want a travel rewards card like Capital One Venture, which offers a couple of miles per $1 spent. Or they might not have the credit standing necessary to get a top rewards card. Fortunately, there are plenty of good options to consider in most cases.
Here are the best credit cards for couples:
Ultimately, the best credit card for couples depends on the couple’s interests, spending habits and goals. And if you’re getting a card together, it can be a good idea to take stock of your relationship. A joint account may make sense in a long-term commitment, but it’s a risky endeavor for a new relationship.
The American Express Premier Rewards Gold Card’s credit limit actually varies from month to month. In other words, the card has no preset spending limit (NPSL). That doesn’t mean Amex PRG offers unlimited spending. Rather, your starting credit limit will be disclosed to you when you’re approved for an account, and Amex may adjust it over time, based largely on your payment history. But they won’t tell you when it changes, so you won’t know exactly what your limit is most of the time.
NPSL is a common feature among charge cards such as Amex Premier Rewards Gold. You also have to pay a charge card’s balance in full every month to continue making purchases. But if you do so, and otherwise manage your finances responsibly, you may enjoy regular credit limit increases.
Here’s what affects American Express Premier Rewards Gold Card credit limits:
Along those same lines, Amex may not check your actual credit score every month, but you should. It’s a good general indicator of your financial performance. The same factors that lead to a higher credit score will likely lead to a higher limit. And the reverse is true, too.
Unfortunately, you can never be sure what your American Express Premier Rewards Gold Card credit limit will be, but you can at least predict whether it will go up or down based on these factors.
The best credit card for electronics is the Amazon.com Credit Card because you get an Amazon.com gift card right away and can earn 5% back when you’re a Prime member. Some of the best rewards on electronics-related spending also come from the Capital One PlayStation Card. You get a $50 PlayStation store code just for making your first purchase.
But there are lots of good electronics credit cards out there. How many options you have and how much they’ll save you come down to your credit score and whether you want to be limited to a store card.
You can get the store card from Best Buy with fair credit and get 5% back in rewards, or multiple deferred interest financing options. The Citi Simplicity Card has 18 months interest free financing but requires good credit. The same goes for the Citi ThankYou Preferred Card, which has 15 months interest free financing and a guaranteed $1,000 minimum credit line. Both Citi cards offer an extension of 2 years on manufacturer warranties.
So, you have to decide which is of more value to you: financing, price protection, warranties, or a credit card you can use outside the electronics store. Read on to discover which credit card is best for your electronics purchase.
Here are the best credit cards for electronics:
You can find key details about each card below.
Longest 0% Financing: Citi Simplicity Card – You get 18 months 0% financing and warranty coverage extended 2 years beyond the manufacturer’s warranty. After the first 18 months, the card’s regular APR is 15.49%-25.49%.
Min credit required: Good |Min credit line: $500
Electronics Store Card: Best Buy Store Card – 5% back in rewards OR special financing. Purchases of $199+ are interest free if paid within 6 months. The same goes for purchases of $399+ paid within 12 months. Deferred interest is tricky, though. If a single payment is missed or the balance isn’t paid off within the given timeframe, interest is retroactively applied to the entire purchase. The regular APR is high at 26.74%.
Min credit required: Fair | Min credit line: Unknown
PlayStation + Sony Perks: PlayStation Card from Capital One[JK10] – All you have to do to get a $50 PlayStation Store code is make your first purchase with this card. It’s also great for gamers because you get 5 points per $1 spent on PlayStation and Sony products. Whether it’s new games or a flat screen TV to play them on, this card will reward you. You’ll even get 3 points per $1 when you pay your monthly mobile phone bill. Points can be used for games, movies, electronics, and collectibles through Sony Rewards. The card’s regular APR is 15.49%-24.99%.
Min credit required: Good | Min credit line: $300
Online Shopping: Amazon.com Credit Card – You stand to get a $50 Amazon.com gift card upon approval for a card ($70 for Prime members). Prime members also get 5% back on Amazon.com purchases. Plus, you can keep electronics safe with Visa Signature’s Extended Warranty Protection and Purchase Protection offered through the card. This card’s regular APR is 15.74%-23.74%.
Min credit required: Good | Min credit line: $500
High Minimum Credit Line: Citi ThankYou Preferred Card – You get 0% financing for 15 months and a 2-year extension on the manufacturer’s warranty. The regular APR is 14.99%-24.99% based on creditworthiness.
Min credit required: Excellent | Min credit line: $1,000
The best credit cards for electronics include options for financing, rewards, and protection. You need to decide which factors are most important to you based on what types of electronics you’re thinking about buying and how fast you’ll pay them off.
Amex Business Platinum lounge access lets you visit over 1,000 airport lounges in 120 cities around the world, for free. You just need to show your Platinum card, a valid ID, and a boarding pass for a flight that day, in most cases. All of the Amex partner lounges allow you to bring at least one guest or immediate family members for free.
Here’s where you can go with Amex Business Platinum lounge access:
Amex Business Platinum access means you can sit in a comfy chair, have a drink, and sometimes even take a shower while you wait for your flight to leave. Different lounges have different amenities, but you can find out the details on the Amex website, along with hours and locations.
The Chase Sapphire Reserve APR is currently 17.24% - 24.24% (V), depending on how good your credit is. So if you have perfect credit, your Chase Sapphire Reserve APR might be near 17%. But if you barely have the excellent credit needed for approval, you’ll probably pay 20%+. That rate applies to both purchases and balance transfers. But it won’t apply to you if you pay your bill in full every month.
It’s also worth noting that if you apply a few months from now, Chase Sapphire Reserve’s APR will probably be a bit higher. The “(V)” at the end stands for “variable,” and it means the APR is tied to another interest rate. And rates in general are rising right now. This regular rate isn’t the only Chase Sapphire Reserve APR you should know about, either.
Here are the Chase Sapphire Reserve APRs:
There is no 0% introductory Chase Sapphire Reserve APR. And the rates Reserve does charge are quite high. Those are both clues that this card was not built for carrying a balance from month to month. Besides, Chase Sapphire Reserve is plenty expensive without letting interest rates eat into your rewards. So if you get it, make sure to pay in full every month.
There’s no official Delta American Express Platinum upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log into your American Express account and select “Amex Offers.” You’ll see whether you have any upgrade offers. If you don’t see any offers, you can still request an upgrade. Call customer service at 1-800-528-4800, and say “Apply for upgrade” when the automated system asks what you want to do. After you enter your card number, a representative will check whether you’re eligible. You should get a decision in a few minutes.
That’s all you have to do to apply for an upgrade. But before you do, there are a few more details you should be aware of.
Here’s how Delta American Express Platinum upgrade offers work:
There’s also a different type of Delta American Express Platinum upgrade offer. Delta Amex Platinum card members can earn up to 25,000 Medallion Qualifying Miles in their first year, and 20,000 every year after that. If you earn 25,000 Medallion Qualifying Miles and spend $3,000 on Delta purchases, you’ll earn Medallion status. Medallion members are eligible for available complimentary seat upgrades on all Delta flights.
Airline credit cards can be worth it if you travel frequently with a certain airline. You’ll often get extra rewards for buying your tickets from that airline and may receive special perks like early boarding or free checked bags. You can also get general miles cards that aren’t partnered with any specific airline. Those cards often provide more versatility and better overall value than airline-branded cards. Let’s look at some examples of both types.
Here are airline credit cards that are worth it:
A lot of airline cards will also have other travel-related perks. You might get insurance for travel accidents, trip cancellation, lost baggage, and/or rental cars. Read through your card’s terms and conditions to see all the benefits, and shop around to find the best airline card for you.