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

Overspending
June 30, 2021

How to Avoid Overspending With Your Credit Card

With a credit card in hand, it’s easy to believe that you can purchase anything (or almost) that you want. And while this may be true to a certain extent, it doesn’t mean that you should do so. It may feel good at the time, but the money will eventually come due. At that point,…

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Credit Card Fees
June 15, 2021

Credit Card Fees: What You Need to Know

Before signing up for a credit card, it’s good practice to review the fee schedule and terms and conditions. Doing so will ensure that you have a firm grasp of what to expect as you begin to use your card. There are some credit card fees that you can’t avoid, however, these are few and…

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Secured Card - DeluxCards.com
May 30, 2021

Can a Secured Card Help You Rebuild Your Credit?

It is becoming increasingly difficult to go through life without at least one credit card.  However, for those with a bad credit history, getting approved for a regular credit card can be next to impossible. For those who are ready to shed the yoke of bad credit or bankruptcy, a secured card could be the…

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Upgrade Triple Cash Rewards Credit Card
May 28, 2021

Card Spotlight: Upgrade Triple Cash Rewards Credit Card

With the ability to earn money for every dollar you spend, there’s no wondering why cash back credit cards are all the range. And if you’re going to take advantage of one of these offers, you might as well get as much in return for your purchases as possible. That’s where the Upgrade Triple Cash…

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Perhaps you need a personal loan?

Access Funds Up to $40,000 from a Top-Rated Lender Near You

Get Started with a Personal Loan

SPENDING POWER

to Indulge Yourself

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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

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