FEATURED DEBIT CARD
Chime® Debit 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.
Card Provider Recognition
Our credit card partners are committed to providing superb products that offer more value for your purchases
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.
Not all card issuers are the same. We only partner with credit providers that demonstrate an impeccable level of trust and transparency.
BENEFITS & FEATURES
Each card provides certain benefits based on credit history. From excellent to imperfect credit, everyone is eligible for specific card benefits.
Your good credit standing deserves to be rewarded with splendid experiences. Apply now for a card that offers cash back, rewards, or travel points.View Cards
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.View Cards
FEATURED CREDIT CARDS
These top rated credit cards have been selected based on their many benefits
Indigo® Mastercard® Credit CardLearn More
Mission Lane Cash Back Visa® Credit CardLearn More
Aspire® Cash Back Reward CardLearn More
Fortiva® Mastercard® Credit CardLearn More
NEWEST CREDIT CARD RESOURCES
Stay up-to-date with credit card trends, programs, best practices, and industry updates
How to Build and Improve Your Credit Score with Credit Cards
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If you had your choice, it’s safe to assume that you’d choose “no debt” over “debt.” It’s much easier to live a financially comfortable life when you don’t have debt dragging you down. But of course, this isn’t a reality for most people. Most individuals look at their finances and realize that they have various…
How to Catch Up on Missed Mortgage Payments
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How to Qualify for a Credit Card with Poor Credit
Having poor credit can be a frustrating and challenging experience, especially when it comes to applying for a credit card. Many credit card companies may be hesitant to approve your application due to your low credit score, and if you are approved, you may be offered a card with unfavorable terms and high interest rates….
Perhaps you need a personal loan?
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CREDIT CARD SELECTION PROCESS
Are you uncertain on which card to apply for? Read though these quick card selection tips.
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 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.
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.
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?
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.
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