Often times it can be a little hard to find the best credit card offers that are right for you. There are so many factors that can go into this topic that the knowledge could fill an entire website several times over. The main thing that you need to remember is to find the offer that is right for you based on your credit history. Many people will think that just because they have bad credit, they have no chance at getting a credit card to help them build back their credit. The truth is while they are not as common as the other types of credit cards, if you know where to look you can get one for your needs.
Capital One Secured Mastercard
This is a credit card that is very good at helping a person with bad credit to get back on their feet and become credit responsible once again. This card has a 24.99% APR, which is a touch high, but the advantage of this card is that you will get a higher credit line once you have managed to make the first five payments successfully. The amount you will have to deposit at first will be determined by your credit worthiness the most you will have to deposit will be $200 with the lowest amount being $49. This is one of the best cards that a person looking to rebuild their credit can use in helping to make it happen quickly.
Capital One QuicksilverOne Cash Rewards Credit Card
If your credit is not horrid yet still needs to have some work, then this card is ideal for you as it gives you a lot more flexibility than most cards will give you. Users can earn 1.5% cashback on every purchase everyday regardless of what they buy. This in turn can give you a good amount of money at the end of a month when you need it the most. It does have an annual fee of $39 but for many cards that is not too bad as there are some cards out there that have a much higher annual fee. Again, you get a higher credit level once you make your first 5 payments on time. This will again help to build up credit for a person and afford them to be able to apply for a credit card with better benefits.
Blue Preferred Card from American Express
This is one of the best cards for a person with good to excellent credit. The cashback amount alone will make it well worth the application. Imagine getting 6% cash back on your grocery purchases for a total of up to $6,000 per year. Who can’t do without that kind of cashback? American Express is a name that is recognized the world over so you have the prestige of having a card from a company that is highly regarded. In the end, it is simply a matter of finding the right card for your needs and the one that is right for you and your credit situation.