Top 7 credit cards less-than-perfect -
Updated July 28, 2016
If you have reached a few bumps in the road when it comes to your credit history, you are not alone. It is quite common to miss a payment or two, or do other credit-related errors. The good news is that no matter what your credit history, there is a credit card, you can be approved for. We have already covered the best cards for excellent credit. Fortunately, most cards available to those with just "good" credit (typically considered a credit score between 660-724) have almost the same features offered to people with perfect credit, but are targeted towards people who may have a ding or three on their credit reports. Those with fair credit "just" (often considered a score of 650, but as low as 600) also have some great options, and even people with the worst credit scores can obtain a secured credit card that works and looks the same as an unsecured to help rebuild their credit card.
If you have a credit score in the perfect left, you still have many great choices cards. We took a careful look at all the major credit cards there, examining the features, fees and fine print and found the 7 best maps anyone without perfect credit.
Reconstruction (pointing lower credit 600) credit
The best card for rebuilding your credit: Capital One Secured Mastercard
If your credit is to "bad credit" side of the credit rating scale (often considered less than 600), this card can help. Designed for those who can not qualify for other credit cards because of past or present credit problems, Capital one secured MasterCard can help you rebuild your credit. It is a secured credit card, or requires a security deposit of your funds into an account to "safety" of the card. the minimum deposit for this card is $ 49, $ 99 or 200, depending on your credit history and application information. the minimum credit line is $ 200, but it can go as high as $ 3,000. This card also includes a tracker free credit score that you update your monthly score and notify you when your TransUnion credit report changes. Although there are no rewards, with regular reporting to each of the 3 major credit bureaus this card can help you improve your credit. You just need to do your part using your card responsibly and make regular payments and in due time card.
Fair Credit (credit score of 600 or above)
The best card for Fair Credit: Barclaycard Rewards MasterCard
If you in the market for a rewards card with no annual fee credit and just "fair" (a credit score of about 650, but sometimes as low as 600), you have the chance of being approved for Barclaycard rewards MasterCard. You will earn unlimited 2 points for every $ 1 in spending gas, groceries and utilities and 1 point per $ 1 on all other purchases. You can redeem points earned for instruction credits against purchases you've made or gift cards. We like the idea of using your points to pay for something that you already purchased because it keeps an eye on reducing your balance. You will also be able to see your FICO score for free each month, which is another great way to keep an eye on your credit and help raise that score.
Good credit (credit score 660 or above)
The best balance transfer card for good credit: Chase Slate
anyone suffering from overspending, or just looking for a smart way to make a large (or small) buy and pay no interest for a while should take a closer look at this card. With a 0% Intro APR on balance transfers and purchases, Chase Slate is a good way to save money on interest charges that you are probably already paying. You can consolidate your higher card balances interest rate on it a save serious money. Moreover, you need not pay balance transfer fee if you move all your balances in the first 60 days. Do not pay the balance transfer fee is a big win because these fees usually range around 3% of the transfer amount. 3% of a large balance can really add up, and that you do not have to pay anything to get your balance on this card is great. Another bonus is that there is no annual fee to worry. This is the balance transfer card top-rated we review, and that it is available to anyone with a good (rather than excellent) credit makes it even better.
Best Rewards Cash Back for Good Credit: Capital One Quicksilver Cash Rewards Credit Card
This map starts with a $ 100 bonus after you spend $ 500 during the first 3 months - with an effective 20% cash back on the first $ 500 you spend is one of the biggest bonuses for the smallest expense that we saw. And $ 500 is pretty easy to accumulate during 3 months if you spend as the typical consumer, especially if you pay your utility bills (and your mortgage) with your card. In addition to the introduction of generous bonus, you will gain unlimited 1.5% cash back on every purchase. There are no categories or rotating sign ups needed to win the cash back, it just comes automatically. In addition, you can enjoy the long 0% Intro APR on purchases and balance transfers for saving money on interest charges (note that there is 3% transfer fee a balance). Speaking of fees, this card has no annual fee and no foreign transaction fee. Overall, rewards Capital One Cash Quicksilver is a great cash back card with a period of 0% APR intro that will earn high rewards and rivals all cards offered only to those with excellent credit.
Awards Best Cash Back for Good Credit (Runner Up): Chase Freedom
Chase Freedom begins with a generous $ 100 bonus after spending $ 500 over the first 3 months. In addition there is another $ 25 bonus once you add your first authorized card user and making a purchase in the first 3 months. If you win two bonuses totaling $ 125, you get back on the first $ 500 you spend, the biggest bonus for the smallest expense we have seen a massive 25% cash. You also earn 1% cash back on spending every day and 5% cash back (to a maximum of $ 1,500 for purchases) in the categories that rotate quarterly. You need to remember to sign up for the extra 5% cash back every quarter, which is not optimal but Chase Freedom provides a free reminder service brought to you by email or text (just remember to register for your online account). And the card has a 15 months 0% Intro APR on balance transfers and purchases, handy if you want to consolidate balances or simply make a purchase, you need not pay interest until late in 2016 ( Note that this is a 5% balance transfer fee, which is a bit higher than the normal rate).
The best travel card for good credit: Capital One Venture Rewards Credit Card
If you're a road warrior, as travel or simply want to travel, the Capital one Venture rewards card is a smart card to have in your arsenal. With a bonus of 40,000 miles intro (equal to $ 400 in travel!) After spending $ 3,000 within the first three months, you get amazing rewards to the right of the door, even compared to maps only for those with perfect credit. Earn 2 miles for every $ 1 spent on all purchases (equivalent to 2% cash back to spend on travel), and not just certain purchases or things you need to register in advance. It is easy to use all the miles you earn too; simply book your travel with the card and then redeem your miles for a statement credit against the cost of travel. This simple redemption process, gives you all the flexibility you need when you use your miles - you can travel, however, when and what you want without blackout dates. In addition, you can earn unlimited miles and they expire. The Venture card also makes international travel a little less expensive because it does not charge foreign transaction fees. foreign transaction fees are added charges on your statement for purchases made outside the United States, usually around 2 to 3% of each purchase, so it can add up to some serious savings. The card has an annual fee of $ 59, but he waived the first year. If you are interested in a travel card with similar rewards, but no annual fee, take a look at the Capital One VentureOne Rewards Credit Card.
The best business card for good credit: Capital One Spark Cash for Business
Those looking for a business card with a strong cash back and absolutely no annual fee should check Capital One Spark cash for business. It starts with a bang, with a $ 500 bonus after spending $ 4 500 over the first 3 months. This is followed by unlimited 2% cash back on all purchases. Adding Cards to employees free account card be an easy way to help accumulate more rewards on your account, especially if your employees often travel for business or making major purchases for your office / business. Speaking of travel, there are no foreign transaction fees, so if you use your card internationally, you will not be affected by the surprise costs.
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