FEATURED DEBIT CARD

Chime Secured Credit Builder Visa® Credit Card

Take advantage of no monthly fees, no overdraft fees, no foreign transaction fees and no minimum balance requirements. Only takes less than 2 minutes to apply and it won’t affect your credit score. Get all the details here.

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Chime Card

Card Provider Recognition

WORLD-CLASS ADVANTAGES

Our credit card partners are committed to providing superb products that offer more value for your purchases

Peace of Mind

PEACE OF MIND

Our credit partners use cutting-edge, state of the art technology when collecting data and processing applications. Your security is a top priority.

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Consumer Value

CONSUMER VALUE

Not all card issuers are the same. We only partner with credit providers that demonstrate an impeccable level of trust and transparency.

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Benefits and Features

BENEFITS & FEATURES

Each card provides certain benefits based on credit history. From excellent to imperfect credit, everyone is eligible for specific card benefits.

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GOOD CREDIT

Great Experiences

Your good credit standing deserves to be rewarded with splendid experiences. Apply now for a card that offers cash back, rewards, or travel points.

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BEYOND BLACK

Gold & Platinum

Even if your credit isn't great, there are still card options beyond prestigious black-label credit cards. Review your options and apply in minutes.

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NEWEST CREDIT CARD RESOURCES

Stay up-to-date with credit card trends, programs, best practices, and industry updates

September 25, 2024

Prepaid Cards vs. Debit Cards

In today’s financial landscape, both prepaid cards and debit cards are widely used tools for managing money. While these cards may seem similar on the surface, they serve different purposes and operate in distinct ways. Understanding these differences can help you choose the best option for your financial needs. In this article, we’ll break down…

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August 20, 2024

Anticipating Lower Credit Card APR: Your Financial Guide

Anticipating lower credit card APR can help you save money on interest payments and improve your overall financial health. Understanding how credit card APR works and implementing strategies to lower your rates can make a significant impact on your finances. In this guide, we will explore the basics of credit card APR and provide you…

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August 15, 2024

Exploring the Benefits: Credit Cards for Travel Rewards Points

Traveling is one of life’s greatest pleasures, allowing us to explore new places, cultures, and experiences. However, the cost of travel can often be a deterrent for many people. This is where credit cards with travel rewards points come in – offering a way to offset the expenses of travel and unlock exciting benefits. In…

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August 10, 2024

4 Crucial Factors to Weigh Before Seeking Credit Card Debt Forgiveness

Dealing with credit card debt can be a stressful and overwhelming experience for many individuals. However, in some cases, seeking credit card debt forgiveness may be a viable option to help alleviate financial burdens. Before pursuing forgiveness options, it is crucial to consider several key factors to ensure that you make an informed decision that…

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CREDIT CARD SELECTION PROCESS

Are you uncertain on which card to apply for? Read though these quick card selection tips.

Overview

If you are searching for a credit card but are concerned your credit rating could hinder acceptance or that your credit rating means you can’t get the best credit cards available in today’s market, DeluxCards.com can help. We’ve have assembled and rated top credit cards based on unbiased criteria, features, cash back, rewards, costs and financing criteria.

Credit Rating

Credit card issuers consider many details when deciding whether to grant approval or deny a credit application. Your credit rating is one of the most critical factors in making this decision. Choosing a credit card starts with knowing your credit rating. Your credit rating will fall into one of the following areas :

  • Excellent: 750 – 850
  • Good: 650 – 749
  • Fair: 600 – 649
  • Poor: 550 – 649
  • Bad: 500 – 549

With a low credit rating, you may have to opt for a secured card. This gives you the opportunity to build your credit rating, all the removing the risk off of the the company issuing the credit card. As you work your way up the scale, you’ll find it easier to qualify for a larger selection of card programs. For example, a consumer with an excellent credit rating is most likely to qualify for a large portion of credit card programs currently available.

Choosing a Card

When you choose a credit card, you get the best possible offers that precisely fit your budget, credit score and spending needs. We do all the diligent work of providing the clear benefits and features of each credit card in an simple-to-follow format, ensuring you always know what to expect from any specific credit card offering and the banks that issue them, preventing unforeseen issue that might possibly jeopardize your credit card quest.

Credit History

Whether you have fair, bad or no credit, DeluxCards.com can assist. Use our comprehensive data points to identify whether or not credit cards have annual fees, intro purchase APRs or any associated fees you can can expect when accepted. We summarize the regular purchase APR clearly and outline up-to-the-minute reward types and rates.

Due Diligence

There is plenty to consider when applying for a new credit card offer. In addition to the several offers on the market, your credit rating, credit history, and personal finances will have a large impact on the approval process. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit rating. When you know your credit rating, there’s less guessing when selecting an offer and completing the online application process. Rather, you’ll know exactly where you stand, which makes it simpler to focus on the credit card offers that you can actually qualify for.

Plan the Process

If you don’t know your credit rating, you could find yourself applying for offers that you don’t qualify for. For example, if a certain credit card requires a very good or exceptional credit score, but you credit is i the fair range, your chances of approval is miniscule. One other item to consider: if there are several credit inquiries in a short period of time, those can have a negative impact on your credit score. As precaution, you don’t want to continually apply for offers that you won’t qualify for. Knowing your credit rating will help you plan your search and application process for maximum efficiency. Here are some typical questions you should consider :

  • Do you need to use a secured credit card to establish a credit history and/or build your score?
  • Can you apply for an unsecured card that requires average credit, all with the idea of using it as a stepping stone toward a better card in the future?
  • Is your credit rating high enough that you’ll qualify for almost any offer, including those that are considered for very good or excellent credit?

Summary

It’s easy to get into the habit of looking for a credit cards based on your personal desires, such as an offer with a well known cash back rewards program. While it’s okay to make a list of what you’re looking for, don’t let this be your only consideration. If you want to make the right selection in a productive manner, you’ll need to choose a credit card based on your current credit rating.

 

Office Location

Address: Attn: LeadDemand – 3200 E. Guasti Road, Suite 100 – Ontario, CA 91761

Contact Information

Email: support@deluxcards.com

Phone: Customer Service