macki4
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the name is not the important part ,you want a card that pay s you to use it ,and the ones with no anual fee,and 0 persent interest,I use citi bank visa,and mastercard,there company cards,for the bizz.then I use chase visa and mastercard, for personal.they both pay me any where from 1 percent to 5 percent cash back on any perchase. |
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hazydaze
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Honestly and seriously... None. Avoid using a credit card at all cost. Yes it means not getting what you want when you want it, but it also means not getting into serious debt.
With that said, if you're still determined to have one use it only in EMERGENCIES. (Read this as If my car breaks down and if I don't fix it I have no way to work. NOT, I have to have that new CD player for the party tomorrow.)
Discover, Visa, and MasterCard are excepted almost everywhere in the US. You'll need to look at the terms on the application. You want to have an interest rate as close to 9.99% or lower as you can. BEWARE of introductory rates, they can end before you pay off your balance. Never take out a card with a yearly fee. Always pay on time or you will be charged a huge late fee and your interest rate will sky rocket to about 27% or higher. |
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megandenae2000
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This really depends on several factors. I'll answer what my experiences have been. For people just starting out Capital One VISA is the best. Fairly competitive interest rates and easy to get. For Someone who has established credit I'd go with Providian (now Washington Mutual.) Their interest rates are very good (usually around 9% to start) and their website is the best I've experienced so far. |
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Ethan
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VISA is the best, coz Visa is the only the credit card that is accepted all over the world without any question.However, the interest rate on the Visa credit card varies from bank to bank as it totally depends on the business policy of each bank.Some banks may charge nominal interest rate whereas some have hidden charges too while some have cash back policy which is lot better for consumers, but it also depends on the credit limit as well. There are actually so many Visa cards to choose from like Gold, Platinum, Classic etc. I would recommend classic Visa for students coz it has cash back policy with low interest rate, whereas Gold and Platinum have little higher interest rates. I would suggest you to pass by as many banks as possible in order to pick up some Visa card brochures from there, which are normally displayed for the interested customers and everything is described in them. So,just try and pick up as many brochures as possible from different banks and compare the best rate with one another, this way you'll definitely find the one which suits you. If you live in Canada, Scotia Bank and CIBC are the best Visa offerer.Good Luck! |
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oudi
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none |
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aj1908
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Never ever get a Discover, in the industry, it by far has the highest interest rates. Get the American Express Optima, great card, great benefits and it is accepted nearly everywhere. |
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why me
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well if ur in india then just stay away from credit card itself.u will be more happier that way |
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jackvanz
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it depends on your credit sitauation. do yoiu revolve your balances, pay in full, etc.
great articles on the topic here
http://www.debtsmart.com/cgi-pl/article.cgi?cmd=category&cat=Credit%20Cards&page=1
great list of cards here
http://www.mybestapr.com
jack |
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stingray4540
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Go with Visa they are the most widely accepted card around the world, everyone exepts visa.
Be smart and pay off your card everymonth, that way you don't have to pay interest, if you do this than it doesn't matter what your interest rate is.
My interest rate is like 15%, I know I could get better, but I pay off my card everymonth, and I have never paid a cent of interest, also, because of this I have perfect credit and no debt.
So, get a visa, and be smart and don't worry about the interest rate. |
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Arcadia
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Amsouth Bank Visa
7.9% APR
https://wwwn.applyonlinenow.com/USCCapp/Ctl/entry?sc=CI6L&mc=A000001TLH&pid=lf
FYI if you complete the application and you get a screen saying you will receive a letter in the mail (because they have not made a decision), call and speak to a representative so you can personally address any issues on your credit report. I did this and was able to get approved. |
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vivianne
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depending on the country you are located, u can choose a card. i reccomend visa that works both in europe and usa and is highly appreciated (in terms of acceptance).
interest rates depend on a series of factors such as your income, your age, your expenses. expect an annual interest rate of 9% |
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kara s
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Visa. Its practically accepted everywhere. American Express is way too expensive. MasterCard is ok, but Visa is definitely the best. The best interest rate is the lowest one you can get. If this is your first time getting a credit card Capitol One is the best place to go. |
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watercolourheart
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If you can afford it, a secured credit card is the best. You go to the bank, open a credit card of, e.g., $500, giving the bank $500 of your own money. Your limit would be the amount you give the bank, in this example $500. The idea is that you never spend more than you can afford, don't get stuck with high interest rates, have the convenience of a credit card and improve your credit rating at the same time. And, of course, you get your original input back whenever you close the credit account. The same principles would go for any other card as long as you paid the balance every month, that way you only have to pay the annual fee and don't get stuck with high interest rates. Visa is probably accepted most worldwide. |
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jaywolfradio
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NONE! Say away from those jerks. The way that interest rates are these days, one day your cards could be 4.4% and the next day in the double digits. Keep out of debt for as long as possible. There are other “less risky” ways to establish credit. |
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liljomo1234
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American Express rulz but if you are just starting out then you will need a Visa. |
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twism
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here is the order in which your credit would look best.
American Express as they are the hardest to get.
then master cards and final is visa's cards visa being last because anyone can get those.
Then Sears cards believe it or not are very hard to get and they report very well to credit agencies. But they will *** phuck you if you mess up so be carefull.
hope this helps |
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krm29619
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Visa, accepted in many countries, interest rate no good if use for cash advance, for purchasing no interest if you settle the bill every month.. |
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Good♥Gyrl
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My vote is for the American Express One card. My reasons being:
I have never had a problem with Amex, and customer service was good when I called. (Unlike some other banks I could bash here...)
They have the flexibility of paying some or all of the balance on the card.
They give you interest protection on new purchases, meaning that they don't charge you interest on new purchases until the close of the cycle, not the day you buy it, like most cards.
You get cash back on purchases that go to a savings account.
What could be better? |
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poshbaby24
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Visa because of the cash back. You can get as a debit , which they won't put interest or credit. |
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spyder00798
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Ive had maybe a dozen different credit cards, and I def like AMEX the best. They pay me 1.5% to 5% cash back (after $6500 is put on it throughout the year, .5%-1% for 1-6499 dollars spent). This is the "Blue Cash" card, check it out on their website. You have to have pretty good credit to get the cash back cards.
Try to never keep a balance so you never need to care about the interest rate. 10-12% is the best interest rate I've seen. Also never get a card with an annual fee.
Best site for descriptions of virtually every bank card, sorted by rewards/interest rate/cash back/you name it is found on www.bankrate.com
(FYI: The blue cash card is clear and pretty sharp looking)
Hope this helps! |
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emanon
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Master Card.. Capital One.. What's in your wallet?
hehe I love my Capital One charge card. They have really good customer support.. |
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♥michele♥
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Capital One - helps you build credit, and you don't have to have perfect credit to get it. they also increase your limit every 3 months as long as you pay your bills on time and don't go over your limit. |
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Shadar
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Discover and American Express are limited in the number of businesses that accept them. While this won't be apparent within the United States, you'll certainly notice it while traveling outside the country. Visa and MasterCard are accepted virtually everywhere on this planet, so either of them would be good choices. Other than that, I would suggest getting the best percentage rate that is possible. Also, look into a card that offers incentives that you can really use. Some gas station chains offer some great incentive-based credit cards that offer a discount when you use that card to purchase gasoline. |
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SuperGirls™
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NONE!!!!!!!!!! DON'T GET credit cards..they are bad with their stupid high intererst rates...those money eating bastards! save yourself! |
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cope_acetic
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Interest rates depend on your credit rating. I go with VISA and MasterCard because they are widely accepted, and because MC goes thru my credit union & I can pay the bill with a phone call. |
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johncharlesrealty
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CITIBANK
5% CASH BACK ON ALL GROCERY, GAS, AND PHARMACY
1% ON ALL PURCHASES |
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kc
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Bank of America visa w/ o% apr for 1 year depending on ur credit rating...good luck. |
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correrafan
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The lowest interest rate and no-yearly-fee card you qualify for. Interest rates vary with your credit rating. The higher your credit rating, the lower interest rate you can get. |
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evanlah
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chase has over 800 different cards and programs to choose from. they are the most versitile.
no one can pre determine your interest rate. you have to apply first to see what you qualify for. there are rates as low as 7.99 all the way up to 29.99v rate at chase. 29.99 is their cap. you dont see much lower than 7.99, that is lower than the prime lending rate, and you would have to have impecable credit to get that. |
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THE SINGER
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NONE OF THEM.....I can only tell you from my experience. I was in college when I was first bombarded with a credit card. It was only $100 - but I had a job paying $2.65 and hour. I thought I could handle it. (circa 1970). I couldn't. Got in trouble and it's been hell every since. Sure, I have a card now - debit/credit through my bank, but my account is consistently under fire! If you can manage your finances and use 'cash' only for purchases, save your money - you'll be better off,... |
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Annie
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citibank visa |
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