There is no credit card that is “the one”, but there are certainly a lot of options that would work well for you, whether you are a traveler, someone trying to build credit, looking for rewards, etc. Which one should you choose though? As you can see in this article, there are a lot of ways to build credit with a credit card, but the most important part is to keep healthy habits with your credit cards, such as keeping your utilization low and trying to avoid carrying a balanceYour balance is how much you still owe your credit card provider for things you've charged....
Start off 2022 in the right direction by looking into some of these best credit cards.
| Annual FeeThis is how much you will be charged just by having a credit card for one calendar year. M... | $75 the first year
$99 thereafter |
| APR | 24.90% |
| Credit Score required | 300 – 579 |
| Rewards | N/A |
With this credit card you will get the chance to build your credit. The late fee goes up to $40 and the penalty APR is set at 29.90%. The application process is simple and easy. You will see a response from them in as soon as 60 seconds.
Applied BankA provider of financial services like credit cards and loans. Secured VisaVisa is a large credit card payments processor. Card
| Annual Fee | $48 |
| APR | 9.99% |
| Credit Score required | 300 – 639 |
| Rewards | N/A |
This secured option is great if you have a poor credit score and are looking for an option to build credit. You can start with an initial security deposit of $200 – $1,000 and get a credit line up to $5,000 with additional deposits.
Chase Freedom Unlimited
| Annual Fee | $0 |
| APR | 14.99% – 23.74% variable |
| Credit Score required | Good/Excellent |
| Rewards | 3% cashback on restaurants and drugstore purchases
5% cashback on travels purchased through their service 1.5% on every other purchase |
If you have a good or excellent credit score, this option is great for you. It has great rewards and an intro bonus of extra 1.5% on everything you buy as well as a 0% APR for the first 15 months.
