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Credit Cards FAQ

Frequently Asked Questions about Credit Cards

    Will I be approved for a credit card?

    If you have been responsible with your use of credit in the past, you should be able to get approved for a credit card. If you have bad credit or no credit, it will be more difficult to qualify for a credit card. You may still be able to get a credit card, but you will probably have to pay higher fees and a higher APR, and your credit limit will be lower. As you work to pay off debt, pay your bills on time, and establish good credit, you will become a more appealing candidate for better credit card offers.

    Return to Credit Cards FAQs


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Top Credit Cards

Capital One® Venture<sup><small>SM</small></sup> Rewards Credit Card
Rating:
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Bottom line: Travel rewards card winner with a value of $2 for every $100 spent, no blackout dates or restrictions
Citi Simplicity® Card
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Capital One® Cash Rewards - $100 Cash Back Bonus
Rating:
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Bottom line: Effective 1.5% cash back on all purchases; 0% intro APR on purchases and balance transfers; $100 bonus opportunity
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
Rating:
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Bottom line: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Citi® Diamond Preferred® Card
Rating:
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
United MileagePlus® Explorer Card
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Bottom line: Good choice for United flyers who want to earn free flights with great perks; flight redemption value of $1.94
Southwest Airlines Rapid Rewards® Plus Card from Chase
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Bottom line: Excellent choice for frequent Southwest fliers; strong travel rewards analysis contender; free flight with first purchase
Escape by Discover® Card
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Bottom line: Top travel rewards contender; 0% intro APR on balance transfers and purchases; earn up to 25,000 bonus miles in 25 months
Blue Cash Everyday<sup><small>SM</small></sup> Card from American Express
Rating:
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Bottom line: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back; 0% intro APR
Citi® Platinum Select® Visa®
Rating:
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover® More Card
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Bottom line: 15-month 0% intro APR on purchases & balance transfers, up to 5% cash back.

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