If you're looking for the best credit cards to help you build credit, or get rewards and cash back, you've come to the right place. We understand the importance of having credit available when you need it. Therefore, we have put together a comprehensive list of the best credit cards for almost every type of situation.
- Capital One Secured Credit Cards
If you have challenged credit, you may want to consider a Capital One credit card. Capital One offers several cards designed for people with good and bad credit, including the Capital One Secured Mastercard . These cards come with no annual fees, and they can help you rebuild your credit history. Capital One is one of the largest banks in the United States founded less than 30 years ago. The company offers a wide range of financial products and services, including business credit cards. The company's "Spark" products are designed for small businesses and offer competitive rates and terms. Whether you're looking for a simple credit card or a business credit card, Capital One is a great choice.
- Capital One Platinum Credit Card
The Capital One Platinum credit card is a great option for those looking for a simple, no-frills card with a low APR. With no annual fee and a 0% intro APR on purchases and balance transfers for the first 15 months, this card is perfect for anyone who wants to avoid interest charges on their credit card debt. Additionally, Capital One Platinum provides access to your FICO score, so you can stay on top of your credit health. And if you're ever in a pinch, Capital One Platinum offers 24-hour customer service and fraud protection. So if you're looking for a basic credit card with no hidden fees or gimmicks, the Capital One Platinum is a great option.
- Capital One Quick Silver Credit Card
The Capital One Quick Silver is a cash-back credit card that offers 1.5% cash back on every purchase. It also comes with balance transfers for 15 months, and there is no annual fee. For cardholders who want to earn more cash back, Capital One Quick Silver also offers a bonus on all cash back earned when you pay your bill on time for the first year. Overall, Capital One Quick Silver is a great option for anyone who wants to earn cash back on all of their purchases with no hassle.
- Navy Federal Credit Union Credit Cards
If you're looking for a high-limit credit card with no annual fee, a rewards card, and a card with low-interest rates, this is the way to go. Navy Federal Credit Union offers a variety of credit cards, including the Go Rewards Credit Card. This card comes with no annual fee or balance transfers, and it features rewards points that can be redeemed for cash, gift cards, or travel. Navy Federal go rewards credit cards are a great way to earn rewards on your everyday purchases. You can redeem your rewards for cash back, travel, gift cards, and more. You can become a member of the Navy Federal Credit Union if you or a relative is active in the military or a veteran.
I advise anyone trying to build credit to build a relationship with a good credit union. Also, don’t be afraid to open an account with a Credit Union outside of your state. Most credit unions make it easy to transfer funds, and they may offer much higher credit card limits. Be sure to watch my Navy Federal Credit Union Late Nigh Hack video or get my Credit to Funding plan which gives the exact steps I took to put my credit in position for high limit credit cards.
- American Express Business Blue Preferred
There are several great American Express credit cards that offer rewards. The American Express Business Preferred Credit Card, for example, offers rewards that can be redeemed for free nights at hotels or transferred to over 30 different airline partners. The American Express Gold Card also offers rewards in the form of Membership Rewards points, which can be redeemed for a variety of travel and merchandise rewards. The American Express Business Blue credit card is designed for businesses that want to take advantage of flexible spending power and earn rewards on their purchases. This card offers a 0% introductory APR on purchases for the first nine months, and then a variable APR of 12.99% - 21.99%. There is no annual fee for this card.
- American Express Delta Sky Miles
American Express SkyMiles Gold Business is a charge card that offers customers the chance to earn SkyMiles on everyday business purchases. There is no annual fee for this card, and customers can also enjoy several other benefits, including access to the American Express Membership Rewards program and 24/7 customer service. With this card, businesses can earn 2x SkyMiles on Delta purchases, and 1x SkyMiles on all other eligible purchases. In addition, businesses can take advantage of special financing options on select Delta flights and vacation packages. The American Express SkyMiles Gold Business card is a great option for businesses that want to earn rewards on their everyday business spending. Additionally, members can use their miles to upgrade their seats.
- American Express Business Credit Card
American Express Lowe's business credit card holders can now take advantage of the American Express Savings program. This program offers discounts on qualifying purchases at participating merchants. Plus, cardholders can earn a 5% statement credit on all eligible purchases made with their Lowe's business credit card.
So, which is the best credit card for you? The answer to that question will vary depending on your individual needs and preferences. However, by taking into account all of the credit cards we’ve discussed in this post, you should be able to find a card that fits both your spending habits and your credit score. Don’t forget to shop around and compare rates before making your final decision!
To learn more about building a higher credit score to apply for some of these cards, check out Boom. You can self report current and past rent payments. Some users have increased their score 40+ points in 30 days.
To learn the exact steps to getting personal and business credit cards with $20,000+ limits, get the Credit to Funding plan.
Have you found the best credit card for you? Let us know in the comments below.
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