People with fair credit have many benefits, but there are still some things to be aware of. Experts recommend that you only use 30 percent of your credit. Credit utilization is a major factor in your credit score. The best way to improve your credit rating is to pay off any debt. You should make at least the minimum payment on every bill. If you can, put aside extra money to reduce your balance. Your credit score will improve if your balance is lower.
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Money Rewards is the best credit card for those with good to bad credit. The rewards program features an introductory cash-back rate of 1.5%, as well rotating bonus categories which allow you to get higher rewards for certain purchases. Although this card is great for people who have good credit, it has a high annual fee. So be prepared to pay a lot. You can also earn unlimited cashback on all purchases, with no limit.
A Capital One credit card can be challenging to obtain, especially if credit history is poor. Capital One cards may be available to you if your credit history is not good. These cards can help you build your credit score and establish good payment habits.
Capital One Platinum Card Credit Card
Capital One Platinum credit card is an option for people with fair or average credit. The unsecured card is not subject to an annual fee but you could not earn rewards by using it. The good news about this card is that it is available without an annual fee and you can increase your credit limit if needed. With this card, you can start building credit while earning rewards without having to pay an annual fee.
The Platinum Credit Card is a starting-level card that provides many benefits for people with good or decent credit. There is no annual charge and no foreign transaction fee. You can also use it for local currency purchases. This card does NOT have an annual fee. There are no foreign transaction fees so you won't have to worry.
Discover Avant Credit Card
The Discover Avant Credit Card is an unsecured card for fair credit that allows borrowers to build credit history and not have to make a deposit. Although it has few perks, it is still competitive in the credit-building market. Before applying, here are some things to keep in mind. The Avant Credit Card charges no foreign transaction fees. Prequalification for the Avant Credit Card is free. A decision will be made in four weeks.
Avant Credit Card permits you to receive cash advances. This is allowed up to 25 percent of the credit limit. If your credit limit is $400 you can withdraw only $100 from a cash-machine. When you want to make large purchases, however, you'll need to pay back the money you borrowed. Avant Credit Card is not a reward program, but there are a few perks you may find appealing.