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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Credit Cards with the Best Signup Bonuses

One of the credit card companies’ favorite ways to lure you in is with a big signup bonus as a new customer. These bonuses can be totally free or they may require you to spend a certain amount in order to get the extra reward. Below we list the best signup bonuses on the market — on top you’ll find cards with big bonuses and no annual fee, on bottom you’ll find cards with good signup bonuses but an annual fee attached. We’ve ranked them based on the potential bonus to be earned, regardless of required minimum spend or annual fee, so be sure to read the details before applying for any of these.

 

Best Credit Card Signup Bonuses with No Annual Fee:

  • Hilton Honors Card from American Express – Get 100,000 Hilton Honors points as a signup bonus after spending at least $1000 with the card in the first 3 months. Those bonus points should get you at least $450 worth of value when redeemed toward free (or partially free) nights at Hilton properties.
  • Wells Fargo Propel American Express Card – Get a bonus of 30,000 points (worth $300 in most cases) if you spend at least $3000 with this card in the first 3 months of having it.

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Loft Credit Card Payment, Login, and Customer Service Information

loft-credit-cardLoft credit cards are issued in partnership with Comenity 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. Below you’ll find all of the information you need to accomplish any of these tasks:

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Toys R Us Credit Card Payment, Login, and Customer Service Information

The Toys R Us / Babies R Us credit cards (and subsequent Synchrony Mastercard) were/are issued in partnership with Synchrony Bank, and it is Synchrony Bank that you will deal with when it comes to making payments online or by mail, or for customer service help. The information below will help you accomplish any of these tasks:

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American Eagle Credit Card Payment, Login, and Customer Service Information

American Eagle credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and you will go through Synchrony Bank in order to make payments, reach customer service, or otherwise manage your account. Below is all the info you need to pay your bill or get questions answered:

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Review: American Chemical Society Credit Card

acs-credit-cardThe American Chemical Society, in partnership with Bank of America, offers a credit card that allows you to earn rewards while presumably supporting the ACS. Our overview / review of the card is below:

The American Chemical Society credit card is really just the standard Bank of America Cash Rewards Visa with an ACS logo and graphic on the card’s face. Not that that’s bad, but you’re not getting any special deal here — you’re basically showing your ACS pride, and assuming that the ACS is getting some money thanks to you carrying the card. (We’re sure they are, but nowhere will you find information on what the ACS is actually paid from you having this card.)
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Best 0% Balance Transfer Credit Cards

zero-percent225 If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for at least 15 billing cycles and have no annual fee:

  • Bank Americard VisaOur choice for the best 0% balance transfer card. Offers a 0% interest rate on balance transfers for 15 billing cycles, with No Balance Transfer Fee, provided you transfer the balance within 60 days of card opening. (There is a 3% balance transfer fee after that first 60 days.) You’ll also get a 0% rate on new purchases for the first 15 months. After 15 months the interest rate could be anywhere from 15.24% to 25.24%, depending on your credit history.
  • Amex EveryDay Credit Card – The newest American Express rewards card offers a 0% rate on balance transfers with no balance transfer fee if transfer made within 60 days of account opening. 0% rate on purchases for 15 months, too. Interest rate after the first 15 months ranges from 15.24% to 26.24% depending on your credit history.

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Express Stores Credit Card Payment, Login, and Customer Service Information

The Express Next credit card is issued in partnership with Comenity Bank, and it is Comenity you will deal with when it comes to making a payment online or by mail, or if you need customer service assistance. Below you will find all of the information you need to complete any of these tasks:

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

Most Lowe’s credit cards (other than the Business Rewards American Express) are issued by Synchrony Bank, and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Below you’ll find the info you need to do any of these things:

  • To log in to your Lowe’s credit card account online and make a payment, click here.

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