Introduction
Creditcards.com offers a free comprehensive database of various American credit cards and their merits and demerits. As well as this they have the latest credit card news which could be of interest to consumers. Each credit card that is in display at creditcards.com has what it offers, who it, best suits and a secure online application to fill out if you deem a credit card right for you. In this article, we will supply you with three steps on how to find a credit card at creditcards.com and two example credit cards that they have on offer.
Step 1
Search
First step upon your credit card search is quite literally to search, delve into all the different credit cards that are on offer and emerge with one that best suits you. On the creditcards.com website on the left-hand side is a menu, which highlights all the different credit cards per their characteristics. You can either search via the type of credit card such as low interest credit cards, business, travel; instant approved, student or prepaid credit cards.
The other option that they have is to search based on your credit history; the categories are excellent, good, fair, bad, limited or not sure. Basically covering all variants of credit an individual may have.
Step 2
Compare
Once you have conducted a thorough search through the immense credit card database that creditcards.com has on offer the next stage is to compare the ones that have made your shortlist. Compare their interest rates, monthly fees; the credit needed, the balance limits, special rewards on offer with the credit card, etc. Keep in mind what these credit cards are going to be chiefly used for, the frequency of its use and additionally personal preferences, this will hopefully aid in you picking the ideal type of credit card.
Step 3
Apply
Once the search and comparison stage has ceased the final stage is to apply for your opted credit card. To carry this out, first click on the chosen credit card, you will be transported to that credit card's page in creditcards.com. Situated on the top left-hand side should be a “apply here” button, click on it, and you will be securely transferred to that particular credit card's website. From there you will be able to fill in the application and either gain the credit card or be denied.
Step 4
Now in this step we will display two different credit cards that are on offer at creditcards.com to show you a small representation on what is on offer. We will depict how we found this particular credit card and its various merits and demerits.
Capital One® SparkSM Classic for Business
Where: This credit card is to be found under the business sub-category, and is the top pick in this category.
Merits: no annual fee, earn 1% cash back on every purchase, and you can separate your business and personal expenses.
Demerits: You need to have a fair credit rating.
In conclusion, this credit card would suit an individual who conducts business, has a fair credit rating and wants cash back.
Step 5
Prepaid Visa® Pink Diamond RushCard
Where: This credit card was under the instant approval sub category, and is the top pick of the category.
Merits: Instant approval, can change fee plans whenever you want, no credit check and can perform card to card transfers
Demerits: Annual fee applies.
Summary: this would be an ideal card for a student, a person with a bad credit score or one that does not want to wait for a card.
From this you can see that creditcards.com house a wide range of credit cards, so you're sure to find the ideal one for your own needs.
Tips
On creditcards.com, there is a tool which allows you to enter some information about yourself, and they generate the credit cards that best suits your credit needs.
There is a tool available on creditcards.com that allows you to discern what your credit score is.
The credit cards in each category are arranged in this order; the top picked credit card on top and the additional ones below.
Below each credit card is a list of cards that are of a similar model.
