Fast Credit Card Advice

The choice depends on your FICO score. If you have excellent to good credit, you can apply for More® Card from Discover®. It has a zero APR on balance transfers for up to 12 months and no annual fee. Plus, you can take advantage of a great cash back program and earn up to 5% rebates on your everyday purchases.

Platinum card from Capital One® is designed for people with good credit. It will let you cut down your finance charge. You will have a 0% interest rate on balance transfers and no annual fee.

People with average score will like Platinum Visa card from Capital One. It comes with a low ongoing APR on balance transfers - 8.9%. Another advantage is that the offer has no balance transfer fee!

Keep in mind that if you have a large debt, it is very unlikely that you can move the whole amount onto a single credit card. Many lenders allow transferring only a portion of such a debt, for example $8,000. The decision will depend on your credit history and annual income. But even if you can transfer only a portion of your debt, you can save a significant amount of money on interest charges and increase your credit utilization ratio (that is good for your FICO score).

If you want to find the right card for you, you should start with checking your credit report. If you have limited or no credit, you need to choose among the bank offers designed specifically for those with limited/no credit, like Platinum - Visa by Capital One. It comes with low interest rates and a low annual fee.Sad to say, but there are not so many deals for limited/no credit that require no annual fee to be paid, they generally have annual fees. Still, you may review Standard Platinum by Capital One®, as it comes with no annual fee. But you'd better avoid carrying a balance on this card - try to pay off your balance in full each month to avoid interest charges.If you are a student, you may consider Standard Platinum for Young Adults. It also comes with no annual fee, plus it provides 0% Intro APR on purchases and a manageable spending limit that helps you control your finances.

The solution is simple - apply for a frequent flyer credit card. It gives customers an excellent opportunity to earn free airline tickets, hotel stays, car rentals, vacation packages and other travel related rewards just for making everyday purchases. Typically, you will get 1 mile for every dollar you spent. Many lenders provide bonus miles for the first purchase or when you spend a pre-determined amount of money.

It is not uncommon for frequent flyer cardholders to earn 1-2 free roundtrip airline tickets each year! Moreover, there are credit cards that provide free companion tickets. They are a good choice for people who are going on vacations with a partner. Compare all airline credit offers at our site, choose the most suitable plastic and apply online!

The reasons for declines can be numerous as every bank has its own policy relating to denials and approvals and every applicant has his/her own situation (debt to income ratio, negative marks on credit report, low credit score, etc). In any way, declines can lower your credit score. Unfortunately, it isn't clear from your question what type of credit history you have. If you have been declined many times, most probably your score is less than perfect now. It means that you can't be eligible for Discover cards as they require mostly good or excellent credit score. As for Visa offers, there are secured cards (they require making a bank deposit as a measure against risk of credit repayment) for low score rating that may help you improve your score. A more suitable variant for you is to use your only card wisely: make credit payments regularly on time and don't exceed your credit limit. After a while your score will be restored. Before applying for a new card, check your credit score turning to credit bureau and apply only for a card you may qualify for. Good Luck!

It's quite difficult to give you exact answer as you didn't give any information to make your particular situation clear. Building a perfect credit is a protracted process. Sometimes it takes up to 5 years or even more. Various details are taken into account before your credit score becomes higher. You need to pay all of your credit bills on time regularly, never exceed your credit limit, avoid having too much credit, keep credit card balances to less than 15%, avoid any negative records on your credit report like bankruptcy or judgments, and many other rules you need to follow in order to build up a perfect credit. We recommend you to check your credit report once or twice a year to track your transactions.

If you have good or excellent credit, you may consider balance transfer cards with 0% APR for 12 months. However you can hardly find a balance transfer card that has no balance transfer fees. Unfortunately, all banks and companies started charging this fee without any caps.
Best balance transfer cards available online still offer 0% APR for 12 months. Take for example More® Card and More® Card – American Flag by Discover. They feature 0% Intro APR on balance transfers for up to 12 months and they have no annual fee.
You may also consider Discover® Open Road® Card that gives 0% interest rates for up to 12 months. The best thing about these credit offers is that they provide a low interest rate on balance transfers for the extensive period of time. While some companies have reduced the length of introductory period, Discover® Card still offers such balance transfer offers.

If you have bad credit history, you need to choose the card that requires your credit rating. Fortunately, you can find credit offers designed specifically for those with bad or no credit. You can choose between secured and unsecured cards for bad credit.
As for unsecured cards that do not require a money deposit, you can review Orchard Bank Classic MasterCards®. When applying for this card, you'll be pre-qualified for the card that best fits your credit rating. By choosing the card that suits your credit best, you're not likely to be rejected.
Just like the previous card, Household Bank Platinum MasterCards® pre-qualifies you for the card that best suits your score rating. These unsecured cards come with several offering for people whose credit score ranges from good to bad. Depending on your current credit score, you'll be offered the card that is right for you.
Secured cards are good for those who want to be on the side. These cards have no credit or income check but you should secure your new card by opening a checking or savings account at the bank issuing your credit card. Take for example Secured Visa ® Credit Card by Applied Bank® that features a low APR, moderate fees, plus enables you to set your spending limit up to $5,000.
Check through these offers and choose the card that is right for you.

It depends on the card you want to apply for. Some cards come with no set-up and annual fees and in this case you will pay nothing. But if you have limited credit history or if you are new to credit, the chances are your card will come with certain fees. It's difficult to say how much you will pay in fees, as credit card offers vary greatly. That's why it is recommended to read carefully the terms and conditions of credit card contracts before submitting online applications. On our site, you can view the details of the card you are interested in. If you need more information, visit the official site of the card issuer.

Airline credit cards have different terms. Generally, they allow earning at least 1 point or mile for one dollar spent. However, there are cards that offer 1.25 miles or even 2 miles per each dollar spent. Some of them give their holders a great opportunity to earn generous bonus miles for making a specified purchase. As you didn’t mention the name of your rewards card, we can’t say for sure how many miles you may earn for $100 spent. If you know the terms of your card, you can easily count the miles yourself.