Credit cards can be used to make purchases easily. They can be used to pay bills, book travel and many other things. Some credit cards even offer rewards for spending. These points are valuable for building credit scores, which can be a crucial factor in getting approval for credit cards. The credit cards can be secured or unsecured.
Capital One Quicksilver Cash Rewards Credit Card
A Capital One Quicksilver credit card is a good choice if you value simplicity in your finances. It comes with a flat rewards program that allows you to keep track of how much money you earn. There is no annual fee and no interest charges. You can get a $200 credit line for as little as $49.
Capital One Quicksilver Cash Reward Credit Card offers 1.5% cashback on all purchases. You can redeem your rewards as a gift card, check, statement credit or statement credit. You will still be eligible for cash back as long you have an active account. You can also use it for any previous purchases. This allows you to lower your credit card balance.
Indigo(r) Mastercard(r) Credit Card
A card like the Indigo MasterCard doesn't offer any rewards but it can help you build your credit score, establish good financial habits and improve your credit rating. You can only spend $300 on credit, so make sure you pay the full amount at the time you receive your statement. Late fees are avoided by paying your bill on-time. Keep in mind that a credit line with a high interest rate will not help you build good credit.
The application process for an Indigo Mastercard is fast and easy. An Indigo Mastercard application requires that you are 18 years old and possess a valid social safety number. Indigo will perform a soft credit screening to verify your identity after you have provided these items. Indigo does not accept paper applications or requests for credit over the phone.
Wells Fargo Business Credit Card with Secured Visa Credit Card
Wells Fargo Business Secured Visa Credit Card cards are for business owners with no or poor credit. The cards are available at low interest rates with no annual fees. Additionally, the company offers a rewards program to reward customers for making purchases. The Wells Fargo Business Elite Card earns one point for every dollar spent. You can also earn up to 5,000 bonus points if you spend $10,000 within a billing cycle.
Credit cards are not as complicated as they seem. There are many options for business owners with low credit scores. The Wells Fargo Business Secured Visa Creditcard is one of the best places to start. This card doesn't have an annual fee and is therefore one of the easiest credit options.
Chase Sapphire Preferred(r) Card
The Chase Sapphire Preferred Card can be a great option if you have good credit. Many people believe that it is hard to get a Chase credit card. However, you don't need to have high credit scores and complete an application to be approved. You can compete with other credit card companies to raise your credit score before you apply for a Chase credit cards.
This credit card provides a number of benefits such as travel protection, insurance, and transferable point. It also offers a Pay Yourself Back program that allows you to earn up to 25% more rewards for your everyday spending. If you spend $1,500 within six-months, you'll receive a $200 cashback bonus.
Citi Double Cash Cards
The Citi Double Cash Card is a great choice for people with high interest credit card balances. It provides a low balance fee and an 18 month 0% introductory interest rate on balance transfers. You also get $0 fraud coverage and 24-hour fraud protection. You can use your card to purchase tickets for presale events.
This card is great if you spend regularly and want to earn cash back. The card earns solid cashback on all purchases. It does not have rotating categories or cashback calendars. It also offers a great balance transfer APR period, which allows you continue to use the card even after you have paid off your debt. Its simple rewards structure can be a powerful incentive to stay out debt and avoid interest-bearing credit card accounts.