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Whether you have had credit problems in the past or you just aren’t sure if you qualify for a credit card, prequalification can help. This process allows you to see if you qualify for a credit card or other financial product, with very basic information such as your name, address, and last four digits of your Social Security number. The benefit of prequalification is you can see if you might qualify for the card without a hard inquiry on your credit report, which can cause your credit score to drop as much as 10 points or more. Many card issuers and banks allow you to see if you prequalify first.
If you were already an Amex Costco cardmember, you have likely heard of the new Costco Anywhere Visa Card by Citi. This card provides shoppers the rewards and perks of the old card plus a little bit more. In fact, even if you aren’t a hardcore Costco shopper, you may find the new card to be one of the best everyday rewards credit card available. Here is a summary of what the new card offers and how its features stack up against similar credit cards.
As one of the most valuable tools that credit card issuers offer new cardholders, a 0% introductory APR can end up helping you to save hundreds of dollars either on new purchases or balance transfers. You can get the most value from this type of offer if you are able to pay down your balance within the introductory period. This type of promotion can include a 0% intro APR on purchases, balance transfers, or even both. Depending on what you need, cards you should consider for 0% intro APR on balance transfers include the Discover it, BankAmericard Credit Card, and Chase Slate, simply because they each offer the best balance transfer intro APRs available. For purchases, consider the BankAmercard Cash Rewards Credit Card or Citi Simplicity, to take advantage of a 0% intro APR, especially if you plan to make a large purchase right away. If you are diligent in paying your balance down, whether it’s a purchase or a balance transfer, within the introductory period, you can eliminate debt and save a great deal of money that would otherwise be tied up in interest payments.
Compare credit cards to find a perfect mix for your healthy financial future. How do you choose the right credit card? Consider your needs, understand your options and dig into our experts’ selections for different situations and lifestyle. To find the best credit card for you, compare them side-by-side or sort by their features and read customer reviews to get an unbiased view.
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