When used properly, credit cards can help your financial life. The right one will make it easier for you to build credit and save money. You may even be able to earn rewards while doing it.
However, there are hundreds of credit cards available today, making it hard to pick one. Here is a list of the top 10 credit cards based on your credit score.
Chase Sapphire Preferred Card
For some credit cards, you’ll need a high credit score including the Chase Sapphire Preferred Card. If you’re approved, then you’ll enjoy double points on travel and dining purchases as well as one point for everything else. You can transfer these points to your favorite airline and hotel loyalty program. Money Magazine named this card the “Best Travel Credit Card.” So, if travel is your thing, then this is a card that will help you do more of it.
Discover it Cash Back
The Discover it Cash Back Card is the one to get if you want cash back. With this card, you’ll earn 5 percent cash back when you use it at gas stations, restaurants, grocery stores, Amazon and wholesale clubs. Along with this, you’ll earn 1 percent cash back for all other purchases automatically. You’ll need good credit to be approved for this card.
Citi Simplicity Card
As far as credit cards go, this one has a unique feature, which is that it doesn’t charge fees including late fees, penalty rates or annual fees. It offers a zero percent introductory rate on balance transfers for 21 months from when you make the initial transfer. You can also set up your own bill payment schedule.
Citi Double Cash Card
You’ll need good credit for the Citi Double Cash Card. With it, you’ll earn 2 percent cash back on any purchases. Balance transfers are available with this card as is a 0 percent introductory annual percentage rate.
Capital One Platinum Card
If your credit rating is fair, then apply for the Capital One Platinum Card. It will help you build your credit without charging you an annual fee. After making your first five payments on time, the card issuer will increase your credit limit. Capital One will allow you to choose your due date, making it one of the most convenient credits cards available.
Credit One Bank Platinum Visa
This card comes with cash back rewards. It is also designed for those with fair credit. Credit One Bank will let you see if you pre-qualify in just 60 seconds. The bank will also check your account automatically to give you credit line increases. With this card, you’ll get 1 percent cash back. You can also review your credit rating through Experian to keep an eye on your score.
Chase Freedom Unlimited Card
As one of the best credit cards for those who have a fair score, the Chase Freedom Unlimited Card will help you build your credit history. Like other credit cards, this one offers cash back on purchases. In this case, it’s 1.5 percent. With the Chase Freedom Card, the cash back feature is automatic. This card comes with a zero percent introductory rate, making it a good option.
Capital One Secured MasterCard
If you have bad credit, rebuild it with one of the best credit cards like the Capital One Secured MasterCard. This card does not charge you an annual fee and depending on your creditworthiness, you’ll get a $200 credit line with your $49, $99 or $200 deposit.
Credit One Bank Visa
Like the Capital One Secured Card, this one is for those who have low credit scores. With the Credit One Bank Visa, you’ll receive 1 percent cash back. You can also select the design of your physical card, allowing you to show off your personality.
Milestone Gold MasterCard
One of the top 10 credit cards, the Milestone Gold MasterCard offers speedy pre-qualification without affecting your credit rating. First of all you can choose the design of your card. It also features fraud protection if your card should be lost or stolen. As a result, this credit issuer approves those who have filed for a past bankruptcy.