The Ultimate Guide to Credit Cards
Friday, September 25, 2020

All articles tagged Applying (134)

2020 Capital One® Secured Card Review & Deposit Requirements

2020 Capital One® Secured Card Review & Deposit Requirements

Capital One achieves top ratings in our Capital One Secured Card review & deposit requirements overview. For a consumer with a troubled or scant credit history, the biggest challenge is obtaining a credit card. From the issuer’s point of view, credit card products are an exercise in risk management -- the risk of losing money. Issuers worry about cardholders failing to make the minimum payments or spending beyond the card’s credit limit. Secured cards neatly balance these... read more »

Do You Need a Good Credit Score for the Chase Sapphire Reserve®?

Do You Need a Good Credit Score for the Chase Sapphire Reserve®?

The answer to “Do you need a good credit score for the Chase Sapphire Reserve®?” is an emphatic yes -- most approved holders of the Chase Sapphire Reserve® have a very good to excellent credit score. If you want to get your hands on this prestigious card, we’ve got a lot more to say about qualifying for this popular card from Chase, and we provide alternatives if your credit isn't quite up to par. Applying | Alternatives | FAQs Most Approved Applicants Have... read more »

10 Same-Day Credit Cards for Poor Credit

10 Same-Day Credit Cards for Poor Credit

In the third decade of the 21st century, waiting is not an option. Amazon can deliver some orders in four hours, and you take your life in your hands if you get between that Grubhub guy and a hungry customer. We are nothing if not attuned to the current vibe, which is why we are reviewing same-day credit cards for poor credit. If you want your credit card fast and your approval even faster, keep reading for the 411 on these speedy cards. Same-Day Cards | Next-Day Loans | FAQs ... read more »

12 Instant-Approval Credit Cards

12 Instant-Approval Credit Cards

American cooks ran to stores in the early 1950s to snatch up boxes of instant mashed potatoes, the latest kitchen craze in many households. But some felt deceived when they opened the box to find freeze-dried potato flakes and filler. Similar confusion can occur in the credit card world, where many issuers throw around terms such as “instant” and “guaranteed” to a point where consumers often feel confused. While most online credit card applications now offer consumers... read more »

5 American Express “Black Card” Alternatives

5 American Express “Black Card” Alternatives

You must be invited to get your hands on the Centurion® Card from American Express, known widely as the “Black Card.” You also better be rich -- the card requires a $10,000 initiation fee and a $5,000 annual fee. Frankly, I get a nosebleed just reading this card’s terms and conditions. Happily, we’ve identified five American Express Black Card alternatives that mere mortals can own. If life has been kind to you, treat yourself to one or more of these premium cards that... read more »

5 Best Credit Cards for Authorized Users

5 Best Credit Cards for Authorized Users

Whether you’re looking to build your credit history, help a loved one build theirs, or add an employee to your credit account, the best credit cards for authorized users can help you achieve that goal. Authorized users are issued their own credit card with access to your existing line of credit. The authorized user will see an improved credit score -- assuming the account is managed responsibly -- and the primary cardholder earns rewards for the authorized user’s purchases. ... read more »

10 Easiest Credit Cards to Get Approved For

10 Easiest Credit Cards to Get Approved For

You’re approved! Doesn’t that have a nice ring to it? Qualifying for a credit card is one of life’s little victories. To help you achieve that triumphant feeling, we’ve identified the 10 easiest credit cards to get approved for. These cards offer you your best shot at approval, whether your credit is fair, bad, or non-existent. If you’d like to establish or build your credit, one of these cards may be the perfect answer to your credit needs. Bad Credit | Students |... read more »

33 Best Credit Card Offers Right Now

33 Best Credit Card Offers Right Now

I don’t think I could face the day without my visit to Starbucks. It’s not that I just want “coffee” — there are dozens of drinks I can order, but I’m quite particular about my go-to beverage. It’s the same with credit cards — a category of products with a rich variety of choices. Our mission in this article is to name the best credit card offers right now so that you, dear consumer, can get the card that precisely fits your lifestyle, just like a quad extra-hot... read more »

12 Best Credit Cards for Doctors

12 Best Credit Cards for Doctors

Physicians have interesting financial profiles. New doctors usually carry substantial student debt. Many doctors maintain their own practices, which makes them businessmen as well as healers. And doctors frequently travel to professional venues such as medical conventions and conferences. Couple that with well-earned vacations that may include travel to distant locales, and it’s obvious why there is considerable interest in the best credit cards for doctors. Physicians, treat... read more »

21 Credit Cards with Instant Approval by Category

21 Credit Cards with Instant Approval by Category

Here is our roundup of credit cards with instant approval by category. It turns out that most credit cards can give you an instant approval decision when you apply online. Sometimes, they will tell you that they need more information and will send a decision soon — in a matter of hours or days. Of course, sometimes the issuer will decline your application, but may offer an alternative card that better suits you. Bad Credit | Fair Credit | Cash Back | Miles | Balance Transfer |... read more »