FEATURED CREDIT CARD

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score. Fast and easy application process; results in seconds. Initial Credit Limit of $300 – $1,000* (subject to available credit)

Learn More

Credit 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.

View Cards

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.

View Cards

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.

View Cards

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.

View Cards

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.

View Cards

NEWEST CREDIT CARD RESOURCES

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

Mortgage Broker
September 30, 2021

Should You Consult With a Mortgage Broker?

There’s no shortage of options when the time comes to buy a home or refinance your mortgage. In addition to hundreds upon hundreds of lenders — both local and national — you have the option to work directly through a broker. A mortgage broker is staffed with the responsibility of finding you the best mortgage…

Continue Reading

Car Loan
September 15, 2021

Top Benefits of Applying for a Car Loan Online

Buying a car is a big deal. It doesn’t matter if you’re purchasing a new or used vehicle, it’ll impact your finances in a variety of ways. And that’s why you need to make informed decisions regarding the type of loan you secure. There are several ways to apply for a car loan, with many…

Continue Reading

Personal Loan
September 5, 2021

How to Responsibly Use a Personal Loan

A personal loan is a great financial tool when used in the appropriate manner. For example, you can use this type of loan to consolidate debt, take a trip, pay for a child’s wedding, or renovate your kitchen. And that’s just the start. However, just because you qualify for a personal loan doesn’t mean that…

Continue Reading

Secured Credit Card
August 20, 2021

The Many Benefits of a Secured Credit Card

A secured credit card is one that requires a cash security deposit to open an account. This is in contrast to an unsecured card that does not share this requirement. The primary benefit of a secured credit card is the ability to use it to build or improve your credit history and score. However, it…

Continue Reading

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

View Cards

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