Best Credit Cards

credit cards!

Welcome to my ultimate guide to the Best Credit Cards.

Having once obtained over 100K in credit on credit cards (business, student, airline, and others), I know a bit about the credit card industry. And all credit cards are NOT created equal.

Depending on what your financial goals are, I’ll help you find the perfect card for you!

My #1 Best Credit Card

Discover® Open Road(SM) Card
Issued by Discover

Discover? Open Road(SM) Card
Through the Discover® Open Road(SM) Card cash reward program, you will earn a full 5% in cash rebates for gas and auto maintenance purchases, up to 1% for general purchases, and .25% for purchases made at select warehouse clubs and discount stores. When you spend up to $1,500 on general purchases you will receive a .25% rebate, between $1,500 and $3,000 a .5% rebate, and over $3,000 will receive a 1% rebate. For gas and auto maintenance rebates, when you spend up to $1,200 you will receive a full 5% rebate, between $1,200 and $1,500 a .25% rebate, between $1,500 and $3,000 a .5% rebate, and over $3,000 will receive a 1% rebate. You can also earn up to a double Cashback Bonus® for redeeming rebates for gift certificates from participating Discover Card Partners. The card uses a more costly method to apply finance charges than some other cards, but it provides several platinum benefits, including an attractive 0% introductory APR on purchases for six months and balance transfers for up to 12 months. There is no annual fee and a reasonable APR for those who qualify.
Review Date: 5/1/2009

Credit Card Deals

Many credit cards will give away all kinds of freebies and bonuses and even cash if you get approved for their card. This section lists all the current best credit card deals and “free money” that you can find online.

I love credit card deals! “Check out the latest credit card deals and freebies”

0% Credit Card Balance Transfer

Sometimes, it pays to move your credit card balances around. This section lists all the best no fee, or 0% credit card balance transfer cards in existence. Playing the balance transfer game with a high yield savings account is a fun way to make some extra money each year.

0% Balance Trasfer, Wohoo! “0% Balance Transfers? Wohoo!”

Business Credit Cards

Getting business credit cards is actually a lot easier than you’d think it might be. If you have a strong personal credit score, you can get approved for numerous business credit cards with a personal guarantee. If you don’t want to guarantee any business credit, you’ll need a decent business credit file to get approved.

business credit cards, yay!“I love business credit!”

Rewards Credit Cards

Some credit cards give all kinds of rewards for signing up, and usage. Some rewards programs are totally worth it, others not so much. There are loads of different kinds of rewards credit cards:

yummy rewards cards! “Yum! I eat Rewards cards for breakfast!”

Instant Approval Cards

Many credit cards will approve you right over the Internet in a matter of seconds! Instant approval cards are my favorite since you don’t have to wait for approval in the mail. Most of the time you’ll even know your credit limit and often have a temporary card number you can begin using right away. Automated underwriting mostly looks at your credit report, so make that is as clean as possible before you apply.

instant approval rules! “I love my instant approval credit card. No waiting!”

Student Credit Cards

My first student credit card was a sick clear blue from American Express card with a $2000 limit. Nice. Often your first student card comes from your bank, but there are a number of credit card companies that love students as well. Just remember, student credit cards are like your first car…it may not be the best, but it gets the job done. See my top choices for student credit cards.

Black Cards

Visa recently introduce their “Visa black card” to quite a bit of fanfare. You have to have good credit and a pretty decent income to qualify for this car though.

Bad Credit

Having bad credit doesn’t mean you are up a tree when it comes to getting approved for a credit card. Bad credit credit cards are available even if you’ve had a bankruptcy or a few late payments.

Prepaid Credit Cards

Prepaid cards are great for teenagers or for those who like the comfort of knowing you’ve already paid into the account you are using. Prepaid credit cards have taken off the last few years and there are a number of companies that now offer this type of card.

Credit Card Companies

Credit Card Help

  • credit card facts – Do you know your interest? Are you getting screwed?
  • credit card for my business – What business? You are buying lunch.
  • best merchant account – There are some good ones out there. Find the best ones
  • merchant account credit cards – We showed you the accounts now find the card.
  • history of credit cards – know where they came from, know where you’ve spent.
  • high interest credit cards – know the truth about high interest credit cards.
  • how credit card processing works – it helps knowing how credit card processing works for anyone who makes purchases.

    • { 1 comment… read it below or add one }

    Crystal November 20, 2009 at 1:16 pm

    Hello,
    I’m enjoy reading your post about credit card, however I would like to know more about cash back points, reward points. Where can I find a good one? Since I’m struggling in between college and post-college. I occassionaly go use orbtiz, expedia, etc that kind of thing to buy flight tickets or reserve a hotel room.

    Which credit card would you suggest me to use since I’ll like to save up money as well.

    Any help would be greatly appreciated!!

    Thank you.

    Reply

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