Related Topics: Capital One
Grow your credit history with responsible use of credit and on-time payments! Quite a few credit cards offer bonus and cash rewards for people who have fair or average credit. You may earn cash rewards while building credit.
If you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.
If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% intro APR allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the minimum payments every month. Many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time.
Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.
Many travel cards offer rich bonus miles or points, which can be redeemed for statement credit to pay off travel expenses such as airlines, hotels, car rentals, cruises, etc. In addition, with travel credit cards, you may enjoy perks such as free check bags, priority boarding, Global Entry, no foreign transaction fees, and more. Check out some of the best travel cards.
Cash back credit cards let you earn cash rewards on everyday purchases at supermarkets, gas stations, restaurants, and department stores. Many cash back credit cards also offer a generous welcome bonus. Below you'll find the best cash back credit cards for consumers and small businesses.
Do you know that you only need to spend $1000 on a new credit card to get a bonus of $150? Yes, a few credit cards actually offer new card members a rich bonus of $150 after a minimal $1000 is spent on purchases within the first 3 months. This is a whopping 15% cash back on the first $1000 charged to your credit card. In addition, many of these credit cards also offer cash back on purchases, 0% introductory APR, and have no annual fee.
After decades in the workforce, retirees finally have freedom to choose how to spend their time. For most seniors, retirement is the ideal time to take on extended travel adventures, including international travel. Most consumer cards charge around 3% of purchase prices on foreign purchases. However, there are a few travel credit cards that waive foreign transaction fees. Just carry these credit cards and use them for purchases abroad, you will not incur the foreign transaction fees. In addition, some credit cards offer lucrative travel rewards or bonus.
Rebuild your credit history with the right cards! Capital One Secured Mastercard is a secured card with no annual fee. Fingerhut Credit is a credit account you can use for purchases at Fingerhut.com. You can use promo code JBB3 before 10/31/2019 to save $25 on your first Fingerhut order. Credit One Bank Platinum Visa for Rebuilding Credit lets you see if you pre-qualify and offers up to 1% cash rewards. These credit cards accept users who have poor credit history and help you build credit by reporting your responsible payment activities to 3 major credit bureaus.
Earn rich bonus and rewards on business purchases! Bank of America Business Advantage Cash Rewards offers $300 bonus, 3% cash rewards on purchases in one of spending categories of your choice, and 2% cash back on dining. Bank of America Business Advantage Travel Rewards offers $250 bonus in travel credit, 1.5 points per $1 spent on all purchases, and no foreign transaction fees.