Best Credit Cards

Number of Credit Cards

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How many credit cards should I have?

You should only have 2 credit cards with $5,000-$10,000 credit limits on them rather than having over 11 credit cards with only $1,000 credit limits. Failure to be able to pay your multiple credit cards on time can lower your credit score and lessen your reliability on loans, etc..

GetYouACard.US offers the best free credit report to help you keep track of your credit score.

The Best Credit Card

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Credit Check

The first thing that any credit card issuer wants to know is your credit history. Most of the time before approving or denying you for a particular card offer they will obtain a copy of your credit report. Your credit report contains information about your entire credit history and gives the issuing bank a good idea of your current financial situation. If you have not seen a copy of your credit report we suggest obtaining your free credit report from Experian. You can do so by simply checking out our page on free credit reports. This will give you a great place to start when determining if you should apply for a bad credit card or a good credit credit card.

Credit History

A history of bad credit will keep you from being able to get approved for many of the cards offered by Chase, Bank of America, American Express, and CitiBank. If you have a bad credit history we suggest applying for the Orchard Bank Mastercard, or one of our First Premier Bank credit cards. These cards are great for those with bad credit looking to rebuild their credit history. A history of good credit allows you to apply for a Chase credit card, American Express credit card, Bank of America credit card, or Citibank credit card. These cards typically offer the most rewards, lowest interest rates, and no yearly fee’s.

Do you carry a balance?

Credit card companies make their money by charging you an interest on your balance. The balance is the amount of money you have charged and not paid off when the bill comes in. If you typically carry a balance from month to month, and tend to pay just the minimum payment then you should look into the low interest credit cards in order to keep from incurring large fees every month from accumulated interest. If you tend to pay off the entire credit card bill each month then interest rates typically wont be a big issue for you. You should look into cards that offer good rewards in our reward credit card section. We also offer airline credit cards and cash back credit cards for those looking for something more than just a standard reward point program.

Choosing The Right Card

When trying to choose the right card remember there are many different categories don't always be fooled by applying for a card just from an issuer like American Express, Chase, Citi, or Bank of America. Look at the specific categories to determine which card will fit your needs the best, then choose the right card within that category for your use.

GetYouACard.US offers the best credit card offer.

Credit Card Tips & Suggestions

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Our Tips & Suggestions database will grow over time to help you the consumer avoid any kind of unwanted situation when using your credit card. Our database will cover things from using your credit card for online purchases, to the risks of using your credit card in local stores. We suggest that after applying for your credit card from our website, you read through our tips and suggestions so you can avoid being scammed or ripped off in the future when using your new card.

Tip: Restaurants & Fraud

One of the most rampant new ways of stealing someones credit card number and information could happen to you at any restaurant. Waiters and Waitresses are now using digital cameras or phone cameras to take pictures of your credit card when you hand it to them to pay for your dinner. The easiest way for them to do this is to slip the card into their pocket and take the picture while walking back to charge your card. We suggest if you pay with a credit card, watch your waiter or waitress closely. Make sure he or she does not enter the bathroom or leave your sight while holding your card. This is a good way to avoid credit card information theft!

Tip: Check Your Credit

One of the main criteria the credit card companies look at when processing your applications is your credit score. It's important to apply for a credit card that is designed for someone in your credit score range. We always suggest getting a free credit report like the one offered by GoFreeCredit on our website. Once you know your credit score it makes it that much easier to select a card offer you will get approved for instantly.

GetYouACard.US offers a free credit report from the number one website offering credit reports.

About Applying For A Credit Card Online

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Why should you apply online?

You can apply and get approved instantly! No waiting for the “mail” to come and go.
You get 100% automated online statements/billing information.
You can pay all your bills online, some even automatically.
No risking the application getting lost in the “mail”
Get important and relevant information on the card you want before you apply.

Applying for a credit card online is now one of the most convenient things you can do on the internet. No longer do you have “wait” to see if your approved you can now get instant approval online. The internet is revolutionizing the way credit card companies select and approve applicants. We are here to help connect you with the right issuer and the right credit card.

Some key factors to consider:

Consider all credit cards before applying. Remember there are literally over 100 credit card offers on our website so check them all out before you apply.
Consider your situation. Do you need a balance transfer credit card? What about a card with low interest? Do you fly if so then maybe you should get a frequent flier credit card so you can earn free air miles with purchases. There are many options to choose from so be sure to explore them all. See our page on the different types of credit cards to help you better understand the card that will fit your needs the best.

GetYouACard.US offers low interest rate credit cards to help keep your credit card rates low.

Before You Buy A Credit Card

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1. Do your research - So many people buy a credit card before they find the cons and pros of the card. In times like this, it is essential to choose the correct one. If you are new to buying a credit card, don't act so hastily -- even if they give you a free item for signing up. It could just lead you to more debt. You can find a lot of information at the Federal Reserve. Frequently asked questions such as what are the fees? What to do about billing errors? What kind of card is it? You can find more tips at my website at http://www.GetYouACard.us.

Credit Card Tips and Suggestions

2. Compare plans - Now it is time to choose the best plan for you. If you always pay your monthly fee on time, the best credit card for you is no annual fee. Have bad credit? There is no credit requirements, no income requirements, and no credit card.

3. Credit Card Safety - More and more people are using credit cards even online. Credit card fraud is a growing epidemic. It is easy to buy things on the internet with your credit card and convenient -- some people even do all their shopping online, but there is always a threat.

How To Report Credit Card Fraud

Credit Card Types

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Low Interest Credit Cards: These are credit cards that offer low interest rates. These type of cards typically require that you have a good to great credit score/standing to get approved. Chase, Citi, and American Express are the leading providers of Airline Travel Reward Credit Cards: These credit cards typically offer Airline rewards in the form of air miles. The leading provider of these cards is either American Express or Bank of America. These cards allow you to accumulate credit card. In return you can save on flights all over the world by simply using your credit card. This is the perfect card for the frequent flyer.

Cash Back Credit Cards: Cash back cards offer just that! Cash back on purchases. Most cards offer up to about 5% cash back on purchases. Some require that you make purchases at "selected locations" while others give you cash back on purchases anywhere. Chase has Cash Plus Reward Visa that is currently the leading cash back credit card on the market today.

Instant Approval Credit Cards: The instant approval credit cards require excellent credit! These cards will approve you instantly online with no waiting involved. American Express is the leader in online instant approval applications. In most cases you receive a decision in less than only 30 seconds.

Bad Credit Credit Cards: Bad credit credit cards are for those looking to rebuild or establish their credit. These are normally going to carry a yearly fee, and require that you make your payments very promptly. Orchard Bank & First Premier Bank are the leading providers of credit cards for bad credit.

Balance Transfer Credit Cards: If your looking to transfer the balance from one card to another then balance transfer credit cards are what you need! These typically offer 0% interest on any balances you transfer from other credit cards onto them.

Business Credit Cards: These cards are naturally for businesses. They have high limits and many perks that only those in the business world would really be interested in earning. Business cards normally require good credit standing due to the high credit limit you will receive. Again, American Express is the leader in business credit card offers.

Gas Credit Cards: These cards offer what we all need! Gas rewards! You can earn up to 5% cash back on all gas purchases. Gas credit cards include the shell gas card from Citi and the Chase Cash Plus Reward Visa.

Hotel Reward Credit Cards: These cards allow you to accumulate hotel rewards or "points" you can then redeem the points for free nights at the hotels of your choice. We currently offer hotel cards for the Hilton hotels.

Student Credit Cards: Are you a student? need to establish some credit of your own? Well these are the perfect fit for you. Student cards by CitiBank and Chase offer rewards and credit building to all students.

Reward Credit Cards: Last but not least are the reward credit cards. These just offer air miles, cash back, reward points, etc. These cards are for those looking to earn rewards for the charges made on your credit cards each day! Reward yourself with a reward credit card.