What credit card gives you the best rewards.Rates are of no interest to me.?
482270
It all depends on if you want to pay an annual fee or not. There are plenty of custom cards out there that give you rewards in something you do quite frequently. For instance. I travel a lot and usually fly United, so I got the united visa which gives me miles everytime I spend. I also have an Amex which you pay a yearly fee for and they give you points and you can use these points for misc. stuff from airline points to jewelery. If you are looking for a card that does not have a year fee, the best one I see is the citibank dividends card. It gives you cash back like the discover card but it's better. It's better since if you read the fine print, the discover card gives you like 2% back, but it is on a ladder system meaning you have to spend like $8k before you get to the 2%, while the citibank dividends card gives you that 2% right off the bat no matter how much you spend.
1147170
You should be able to get a credit card from just about any bank that offers a VISA or MasterCard.  Look in your local Sunday paper or on line to find a card with either a low interest rate or no annual fee.\n\nIf this is your first card, keep your credit limit to $1000 or less.  This way, you won't get into trouble by over-extending yourself.
81527
so you can get the best interest rate
184321
NOrmally, your credit card will have the following interests. One for purchases. One for cash advance. One for balance transfers.\n\nPurchases can have a promotional rate like 0% for the first 6 months of the card then it goes to Prime + xx%. Cash advances are normally 22% Balance transfers can be as low as 3% for the life of the balance depending on your credit history (both usage and payment) with your card company. You are correct, do not average them as it will only confuse you further. Treat them individually. The reason for the different rates is to "lure" you into spending much on the lowest interest segment, usually, balance transfers. While it is in your cardmember agreement in very fine print, all your payments will first be applied to the LOWEST INTEREST charges. When that is completely paid off then and only then will it apply to the second lowest and so on. Imagine you made a cash advance of $500 at 22% but have purchases of $700 at 17% and a balance transfer of $5000 at 3%. Until you are able to pay off completely the $5000, the $700 will continue to earn interest upon interest plus the $500 cash advance will rake in 22% month after month.\n\nMy advice to all is when you have a credit card with a low balance transfer rate, by all means use it for balance transfers only. Use another card to purchase goods. Or pay the balance off before doing a balance transfer.
1103881
annual percentage rate is what APR is. I got a capital one credit card for my first credit card, and still have it. Just be careful. Try to find a credit card with a low APR and good benefits. It might be a little hard to get one, if you have no credit, and considering you are 18, it will take some time to get one. Believe me I couldn't get approved for anything, and as soon as I gave up I got an offer sent to me. Another tip, don't apply for too many credit cards, this will ruin your chances as well. Good Luck!
976872
I got one from Orchard Bank. I think they'll give one to anybody.  My credit limit is only  $300.\n\nBut do you really need a credit card?  Why don't you just work towards paying off the debt you have?
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
354068
you can get a great card at www.entrustsystems.com/wow with no credit check and you don't even need a bank account
31258
Step 1:\nCut them up so you don't use them and add more to the balance.\n\nStep 2:\nPay as much as you can each month on your highest intrest card and pay slightly more then the minimum on the others.  Once the highest minimum card is paid off, go to the next. Also, be sure you pay on time to avoid late fees!\n\nStep 3:\nPut any extra money you may get (bonuses, tax refunds, etc) on the balances.\n\nStep 4:\nENJOY BEING DEBT FREE!!!  Believe me, it is a HUGE relief when you send that last payment away!
929378
bascially card companies will start you with the highest interest rate they can depending on the card 17-18% dept store cards are up to 30% so be wary of those! Then its a per annum rate divided monthly based on the amount of credit you owe ( how much youve charged to your card) Not sure how long you've had this card but if you are good at paying your monthly amounts usually its 3% of the total amount owing you can get the overall interest rate dropped some to half the amount so be good to your card and don't accept the high rates just call them up tell them you have been offered another card with a lower rate and your thinking of doing a balance transfer why pay more them than you have to!
1158176
Always Always Always pay more maybe 1 1/2 times or double. If you just pay the minimum about 60-80% of that is interest and doesn't even make a dent in the balance. \n\nCreditors (Mortgage/Car Companies/Other Credit Cards, etc.) look at your balance compared to your available credit. It's a good rule of thumb to have your balance under 1/2 of what your limit might be. For example if you have a $5,000 limit don't have more than $2,500 charged on the card at any one time. And of course less is better.\n\nThis really really helps your FICO score.
967277
The\nNO CHARGE CREDIT CARD   from FREE BANK
1089731
http://www.creditcard321.com/\nBut be careful when getting a credit card, period.\nGet one only for emergencies or don't get one at all. The debt thing in america is out of control.
478619
Doesn't everyone have loads of credit cards these days?! I mean they are so easy to get hold of. Every week I get something in the post inviting me to sign up for some new low interest credit card! I think they're terrible because they are so difficult to control!! I had a MasterCard when I opened my student bank account in case of emergencies. i wanted a really low limit so I went for one with a £250 limit on. Now less than four years later despite never having asked for the limit to be increased it is now £2000! That ridiculous. How could any normal person ever pay that off? Especially with the 12.5% interest rates. They just increase your limit all the time to encourage you to get into more debt. Not only that but credit cards seriously over charge if you go over your limit - up to £25 even if you go over by a pound!
1112283
The Banks thrive on people with little or no credit, it's like hitting a jackpot to be able to offer their credit cards with no finance charge for the first year, right?  Your being happy just to be able to own a credit card tend to take this as a great offer.  Well, where they get you is in the FINE print, saying that if you are late at any time on your payments, the interest rate jumps to 18-24 percent on the dollar.  Once this happens, you are caught up for a very long time, with the high interest rate, high late payment, and requests for the minimum monthly payments.  Look Out!  It can definitely look too good to be true.
126822
Get one that makes you pay in full every month (like American Express.) And use it only if you can pay it off every month. Otherwise it is a black hole that will suck your financial house dry. You absolutely must set limits for yourself. People get in $30,000 to $100,000  without even noticing. And don't fall for the transfer for 0% scheme. The first time you are 1 day late the rates go to the maximum (over 25%).When you buy on credit you pay more for what you are buying. Why pay more?\nTo establish good credit have no more than 2 credit accounts, never ever be late with a payment, and pay off as soon as possible (not the minimum payment--you'll be a slave to it for the rest of your life). If you do that it makes sense to have credit so you have a good credit rating for big purchases like a car or house that you cannot pay in cash. But the less you spend on credit the more you have to spend without all the interest--or better yet, talk to a financial counsellor or just save in an interest free retirement or investment account. No matter what your age.
827605
Make sure that the one you get does not have an annual fee, or a start up fee. Also a lot of them have introductory rates that get raised ALOT after the 1st 6 mos or so. So, read the fine print. PErsonally, I like Capital One. You can earn rewards, there is no annual fees/start up fees & my interest rate is low.\nGood Luck !