What’s the best credit card for me?

cards225Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Best Cash Back Credit Cards

Our favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash back you can use any way you want. Below we list the best cash back credit cards currently on the market, all offering at least 1% cash back, but usually more. There is no annual fee for any of the cards listed.

  • Citi Double Cash Card – Offers the chance to get 2% cash back on your purchases — you get a 1% cash rebate on all purchases, then a 1% rebate on the payments you make on those purchases, for a 2% total overall if you pay off your card each month. (Note that you don’t get any rebate on interest charges or late fees when you pay those off.). No annual fee.
  • PayPal Cashback Mastercard – Get 2% cash back on all purchases with this card. If there’s a catch here, it’s that your 2% in rebates gets deposited into your PayPal account, where you can either use it from that account or have it transferred to your bank account.
  • Signature Federal Credit Union Visa Signature – Offers 2% cash back on all of your card purchases. Also a super-low 8.7% interest rate. Must become a member of the credit union, but essentially anyone is eligible to join.

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David’s Bridal Credit Card Payment, Login, and Customer Service Information

davids-bridal-credit-cardThe David’s Bridal credit card is issued in partnership with Comenity Capital Bank, and it is Comenity you will interact with in order to make your card payment online or by mail, or to get customer service assistance. All of the information you need to accomplish any of these tasks is below:

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Mercury Credit Card Payment, Login, and Customer Service Information

If you are a Mercury Mastercard credit card holder, either through a direct approval from CreditShop/First Bank & Trust, or through the transition of former Barclays Bank cards to the Mercury credit card, below you will find all of the information you need to pay your card bill online, by mail, or by phone, or to get customer service assistance:

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Instant Approval Credit Cards

yesterday225Instant approval credit cards can be defined in two different ways:

1. You get approved today and can instantly begin using your new credit line. (Yay! No waiting!)

2. You get approved today but don’t get the card until later. (Not bad.)

Only one of the major credit card issuers gives you the possibility of both instant approval and same-day card usage. Three other credit card companies claim they might give you an instant decision on your application, allowing you to know if you’ve been approved or whether you should apply elsewhere.

Those companies are:

  • American Express – Offers the possibility of instant approval as well as the ability to use the card today. Almost every American Express credit card and charge card application includes the message “Get a decision in as little as 30 seconds.” And, most cards offer the possibility of an “Instant Card Number” that you can use until your physical card arrives. Instant Card Numbers are issued if American Express feels it has the “ability to instantly validate your identity.” (No word on how exactly they validate your identity.)
  • Bank of America – Most Bank of America credit cards have the message “Get a response in as little as 60 seconds” on their online applications.

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Cabela’s Credit Card Payment, Login, and Customer Service Information

The Cabela’s credit card is now issued by Capital One, and it is Capital One you will interact with in order to pay your Cabela’s card online, by mail, or by phone, or to get customer service help. Below you’ll find all of the information you need to accomplish any of these tasks. Note that if you had the Cabela’s card when it was issued by World’s Foremost Bank, you’ll need to re-register for online account access with Capital One.

  • To pay your Cabela’s credit card bill online, log in here to make a payment. (You’ll have to re-register with Capital One if your card account was previously serviced by World’s Foremost Bank.)

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The Ultimate Credit Card List

Orbitz Credit Card Payment, Login, and Customer Service Information

orbitz-credit-cardThe Orbitz Rewards Visa is issued in partnership with Comenity Capital Bank, and it is Comenity you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you will find the information you need to accomplish any of these tasks:

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