Why Online Credit Card Applications Make it Simple to Apply?
Online credit card applications give you a lot of choices in regards to the credit cards you can get approved for depending on your credit score. We discuss the latest credit card news and information in articles on our blog. Learn to use credit cards to your advantage to save on interest and build rewards.
Cash back credit cards are one of the most popular types. They give you cash back rewards that are redeemed for cash. We will discuss how they work and the best ways to utilize them.
Travel rewards credit cards are also extremely popular with their bonus offers for reward points used for airline tickets, hotels or rental cars. There are people that use these travel rewards to go on vacations almost for free. We will discuss bonus offers and how to take advantage of them.
Balance transfer credit cards are used to consolidate other high interest credit cards. Many times there are 0% introductory rates that can help save hundreds of dollars in interest charges. Balance transfers can help you pay off you balances and get out of debt if used correctly.
These are the primary types of credit cards most people are looking for when applying using online credit card applications. You also have department store credit cards and credit cards for those with average or bad credit. We will teach you how credit cards should be used to maximize your rewards and benefits as well as your credit score.
When Online Personal Loans Should Be Used For Paying Off Credit Cards?
If your credit card balances are too high to put on a balance transfer card you can also use a personal loan. They can be a great way to consolidate credit card debt into a low rate fixed payment. Peer-to-peer personal loans have become popular. You can visit PersonalLoanHero.com to compare and apply for personal loans for all credit types.
Sometimes it just makes sense to put multiple credit card balances into a personal loan. When you pay off credit cards with a personal loan you will at least know there is an end date. This end date means the debt is paid off for good. Try not to run balances anymore on your credit cards after the consolidation. By implementing good habits of paying off credit cards each month you will be less likely to go into debt.
Why Do Credit Card Applications Online Offer More Security?
Online credit card applications contain Secure Socket Layer “SSL” technology that offer the best level of internet security utilizing sophisticated data encryption. Your information is always safe. When you go to a credit card comparison site or any credit cards website that has credit card offers or access to online applications, you will find this technology.
You will want to review a credit card’s details and decide if you want to apply for that card. Most have an apply button that you can click on. It will take you to that specific cards website. This could be for a specific bank credit card or even a department store credit card. The application form will be secure using a SSL certificate for their website you are applying on.
How Do I Find Credit Card Application Forms to Get Approved?
We have setup this website to make it easy for you to navigate and find applications for credit cards for various banks, department stores and various issuers.
In our articles we will discuss general credit card topics. We also look at pecific credit cards and will include their website links. This makes it easy for you to find the online credit card applications for the credit cards you decide to apply to. You can also click on the apply button located on any of our pages. This will take you to the credit cards you will apply for based on your interest.
What Types of Credit Cards Can I Apply For Online?
There are actually hundreds of different credit cards that you can find online. This can make it difficult to actually find and compare various types of credit card offers. We have already researched the credit cards and credit card offers and have listed them all in one place for you.
You can easily read about each credit card or even overall categories of credit cards to decide which is best for you.
Each credit card type is used for a different reason and you need to decide what will benefit you the most based on your spending habits. You might decide you want a daily cash back credit card for earning rewards for groceries, gas, restaurants and another for travel rewards and bonus offers.
The most popular credit card types are for cash back rewards, travel points and rewards, 0% balance transfer offers or for rebuilding credit.
There are many other types of credit cards such as charge cards, student credit cards, gas credit cards, department store credit cards and more.
Throughout this website you will find categories as well as specific information provided to you on each credit card. Then you will find contact info as well as the website link to the online credit card application. We want to make this site a useful resource for you to easily find, compare and apply online for credit cards and specific credit card offers.
Below we will break out in more detail each type of credit card you can apply for online.
Cash Back Credit Cards
Cash back credit cards are one of the most popular type of credit card.
I mean who would not want to get cash back for just making everyday purchases?
When you use cash back credit cards you will want to pay off the balance each month. These are not really effective if you are carrying a balance and have to pay interest charges. It really just defeats the purpose as you will end up offsetting your rewards points.
These cash back credit cards can be a great way to earn cash rewards when using them for all of your purchases. You can even pay your car insurance premiums or other larger bills with these credit cards to help rack up lots of cash back rewards and points.
Once you build up your cash back points, you can redeem the rewards for gift cards or just get an account credit. It is really kind of a cool way to earn a passive income just for using your credit card for purchases. There are lots of great cash back credit cards you will find us discussing on our site.
Travel Rewards Credit Cards
Travel rewards credit cards let you earn reward points that can be applied towards travel.
A lot of people use their travel rewards credit cards to get huge bonus offers. When you initially open the credit card you will be able to earn a specific rewards bonus if you purchase a certain amount within a specific time frame.
Once you earn these bonus points you will find that you can earn even more points by purchasing airline tickets, hotel rooms and even rental cars. Most travel rewards credit cards will also let you accumulate points on regular purchases.
When you travel internationally you will want a travel credit card that has no foreign transaction fees. These are fees that are charged when using a credit card outside of the U.S..
If you fly a specific airline you might of course want to look for that particular airlines rewards credit card. Many times you can be rewarded if you fly a specific airline such as Delta, United or Southwest. They each have their own airline miles programs and airline credit card applications.
Most travel credit cards have fantastic travel benefits that come along with the credit card. Make sure you pick a card whose benefits match up to your travel lifestyle.
Also, some top travel rewards credit cards can have annual fees. These are usually offset by all the benefits and perks you can get by using that credit card frequently through the year. Usually the more you travel the more it benefits you. It may be worth paying the annual fee to get the best travel rewards credit card.
When picking a travel rewards credit card, you can also just get a flat percentage for everything you purchase. These are great if you are not using any specific airline and offer flexibility. Review the details of the travel credit card to understand if the rewards are unlimited and that there are no black out dates.
The key is to pick the travel rewards credit card that will benefit you the most and allows the most flexibility for the way you like to travel.
Sign-up Bonus Credit Card Applications
Sign-up bonus credit card applications are a great way to earn free travel miles and large cash back bonus dollars. The travel miles you can earn alone can let you fly for free on vacations or business.
Normally when you sign up just plan on being able to spend the amount they require within the 3 months or timeframe they specify.
It can really be a great deal if you utilize these sign-up bonus credit cards in the correct way for spending you all ready were going to do anyway.
Check out these sign up bonus credit card offers often to get in on the latest travel or cash back deals.
Balance Transfer Credit Cards
Balance Transfer credit cards are used to pay off high interest rate credit cards or loans. Many people are looking to consolidate multiple credit cards into just one payment. A balance transfer credit card can offer 0% introductory interest rates from 12 to 18 months depending on the card offer. It can be a great tool for helping pay off credit card balances quicker.
When applying for a balance transfer, make sure you understand if there is a fee associated with the transaction. Most of the time you will find that there is a 3% balance transfer fee that will be added when transferring balances from other credit cards. It may still be a good deal since you are locking in a long term 0% APR. Just make sure you understand that fee before doing the transfer.
You will find a couple credit cards that have no fee, but most will include a percentage at the time of the balance transfer. Chase has a credit card called Slate that has no fees when you transfer balances for example.
The balance transfer credit card allows you to save on interest over an intro period usually set between 12 and 18 months. If used properly it is an excellent way to pay off your debt quickly.
If this is something you are wanting to do you can compare and apply for a balance transfer credit card.
0% APR Credit Card Introductory Offers
The credit card invitations you receive in the mail are usually 0% APR Introductory offers.
Many people complain about these credit card mail promotional offers. But many times people should take advantage of them.
Some of these offers are for purchases and or balance transfers. If you are going to make a purchase for over $1000, why not do it at 0% and pay it off over the next 6 months. It is actually cheap money and can save you in interest charges. Some of these 0% promotional credit cards extend anywhere from 12 to 18 months.
You can also find some of the travel credit cards are not only offering bonus points for signing up, but also have 0% promotional APR’s also that can add up to nice saving on your travel purchases.
Now just remember if you decide to utilize the balance transfer option, you will probably be paying a 3% fee upfront to enjoy the long 0% interest rate. Thats ok, as long as you understand what the total costs will be when utilizing it.
Many people ask how do pre approved credit card offers work? These are pre qualified offers based on your credit score. It just means the credit card issuer has pre screened you based on your credit information to make sure you will qualify for their offer or mail invitation. Normally there is some type of reservation code you enter on their site before applying with an online credit card application.
Small Business Credit Cards
Small Business credit cards can help a small business keep track of expenses each year for tax purposes. It can also make it easy to track individual employee expenditures.
There are a number of different issuers of business credit cards as well as rewards programs.
If you have a small business, it is really a great idea to get started off on the right foot with a new business credit card.
You will also find individual benefits that can help you save more money and earn more rewards that can be used for business travel or to get cash back.
Department Store Credit Cards
Department store credit cards are not a great deal in my opinion. I have tried out lots of different store credit cards to get the discounted percentage off my first purchase. This is a hook that lures you in and make you think you are getting a good deal. When this happens make sure you pay off the balance in the store and then go home and don’t use the credit card.
The department store credit card is only worth it if you spend a lot of money at that one store and are truly saving. You also need to make sure the balance is paid every month. The interest rates on the store credit cards is out of this world.
There are so many great credit cards out there that give you rewards all year around on all of your purchases. These cash back or travel rewards cards are really the best. Use them on a regular basis everywhere you shop or spend money. Just for you guys I have included a button below to the best credit cards with rewards programs. So if you are going to get a new credit card, get one that you can use everywhere!
Best Credit Cards for Bad Credit
Credit Cards for bad credit are only to be used as a last resort. They serve a purpose in the fact that you can’t get approved anywhere else. This is usually due to some issue in the past that damaged your credit score.
The good news is that you can slowly rebuild your credit if you get one of these bad credit credit cards and use it responsibly. That would mean you need to utilize no more than 25% of your credit limit at a time. Make sure you use no more and make every payment on time and try to just keep the balance paid off.
This is a credit card that you are utilizing just to improve your credit score.
The starting balance is usually very low. Yes I mean ridiculously low and you will pay large fees just to get it setup. This is because you have a very low credit score.
Once you get the credit card, make sure those fees get paid off quickly to bring the balance on the card to zero. Now you can start making small charges on the credit card and making your onetime payments each month. Just charge small amounts and keep the balance very low or even paid off each month.
Keep doing this for a few months and as they report you to the credit bureaus you should see you credit score start to improve. Once you get your credit score back up, you should be able to start applying for an average credit score card.
How to Find The Best Credit Card for 2019 Listings
When looking for the best credit card for 2019 you need to decide if you are looking for a cash back or miles credit card.
There are some really great bonus offers for new credit card accounts. You really need to decide on your spending habits and what your goal is in the future. If you are looking to redeem miles for a vacation, then get one of the awesome miles rewards credit cards. But, if you are wanting something you can accumulate cash back rewards on for purchases at the grocery store, restaurants, gas and shopping, then get the cash back rewards card.
There are some really great deals out there for credit cards, so be sure to check all of them out.