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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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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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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Review: Commerce Bank Credit Cards

Commerce Bank, with locations mainly in Missouri and bordering states, offers a handful of credit cards that are just fine, though you can find better options on the market for just about any of their offerings. Below we offer an overview / review of each card, along with ideas on how to compare these cards with other relevant options:

  • The Special Connections Visa or Mastercard is a cash back/rewards credit card that offers you 3% cash back on wireless services and ride sharing services, 2% on gas and restaurant purchases, and 1% everywhere else. The cash rebates you receive come in the form of a statement credit, or you also have the option to use your rewards toward gift cards, travel rewards, merchandise, etc. This a decent cash back credit card, especially with the 3% cash-back categories of wireless and ride-sharing, which are not common bonus categories with other rewards credit cards. You can compare this card to its competitors on our Cash Back Credit Cards page to see if you can do better.
  • The Commerce Bank Toggle Visa is essentially the same card as the Special Connections card listed above in terms of rewards, but it also allows you to use the card as either a credit card or debit card (sort of). You can choose to designate certain purchases as “pay now” from a linked checking account and designate others as “pay later” if you want to revolve those balances.
  • The Commerce Bank Visa Signature offers a simple cash-back formula — you get a 1.5% rebate on everything you purchase with the card. Also promises “premium travel offers” and concierge services, though these benefits are a bit vague.

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Belk Credit Card Payment, Login, and Customer Service Information

The Belk department store credit card is issued in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), and it is Synchrony you will interact with when paying your bill online or by mail, or when you need customer service help. Information on completing any of these tasks is below:

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Continental Finance Credit Card Payment, Login, and Customer Service Information

continental-finance-credit-cardContinental Finance offers (or has offered) a variety of credit cards, and the payment information and contact info for your card will vary based on which card you have. Below we offer information on how to pay or reach customer service for any card:

First off, to pay online:

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Business Credit Cards – List & Features

There are two types of business credit card: corporate credit cards for large businesses and small business credit cards. Corporate cards are generally easy to understand, but small business credit cards can be confusing.

Probably the most important thing to understand about small business credit cards is that in almost all cases the person who applies for the card will be taking on the credit risk personally. In other words, if you own a small business and apply for a business credit card, your personal credit report and credit score will be negatively affected if you fail to pay.

That said, below are most of the current options for corporate credit cards and small business credit cards:

SMALL BUSINESS CREDIT CARDS:

  • Capital One Spark Cash Select Visa Business Credit Card – Small business credit card offers 1.5% cash back on all card purchases. (If you charge a lot to your business on your cards, you might consider the Capital One Spark Cash card that offers 2% cash back but comes with a $95 annual fee after the first year.)
  • American Express SimplyCash Business Credit Card – Simple cash back business card credits your earnings to your account each month, so no redemption is necessary down the line. Earn 5% cash back at U.S. office supply stores and wireless phone services, 3% back in one spending category of your choice, and 1% back on all other purchases.
  • Bank of America Business Advantage MasterCard – Get 3% back on gas and office supply purchases, 2% cash back on restaurant purchases, and 1% back on all other purchases.
  • Ink Cash Business Card from Chase – Cash rewards business credit card offers 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services, as well as 2% cash back on the first $25,000 spent annually at gas stations and restaurants, and 1% cash back on everything else you buy with the card.
  • U.S. Bank Business Edge Cash Rewards MasterCard – Get a 3% rebate on cellular services, office supply purchases, and gas, and 1% back on everything else, then get a once-per-year bonus of 25% of the previous year’s rebates.
  • PNC Cash Rewards Business Visa – Small business credit card gives you 1.5% cash back on all your card purchases. Redeem your rebate as statement credit or plunk it into your PNC checking or savings account.
  • Wells Fargo Business Platinum Credit Card – Business rewards credit card offers you the choice of 1.5% cash back or a points program that gives 1 point per dollar charged to the card.
  • CitiBusiness AAdvantage MasterCard – Business credit card affiliated with the American Airlines frequent flyer program. Earn 2 AA miles per dollar on American Airlines purchases as well as purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. One point per dollar on any other purchases. Additional perks include Group 1 boarding, first bag checked free, and 25% off in-flight purchases when traveling on American. Note that this card has a $99 annual fee, though the first year is free.
  • TD Bank Business Solutions Visa – Small business credit card offers these rewards: 3% cash back on phone, Internet, and cable services; 2% cash back on dining and gas station purchases; and 1% cash back on everything else.
  • Lowe’s Business Rewards American Express Card – If you’re a contractor or have other need to shop at Lowe’s on a regular basis, this card may be for you. First off, you get 5% off your Lowe’s purchases with the card. In addition, you earn points on your purchases that can be redeemed for Lowe’s gift cards or Amex gift cards. Get 3 points per dollar on purchases at restaurants, office supply stores, and from wireless carriers, 2 points per dollar on all Lowe’s purchases, and 1 point per dollar on all other card purchases. No annual fee.
  • Bank of America Platinum Visa Business Card – No frills business credit card offers an interest rate as low as 11.49%, though you could be approved at a rate as high as 22.49% if your credit is not-so-excellent. No annual fee. Offers a 0% interest rate on purchases for the first 7 months.
  • Sam’s Club Business Mastercard – Get 5% back on gas purchases (on first $6,000 in gas per year; 1% back after that), 3% cash back on dining and travel purchases, and 1% cash back on everything else. (There is also a Sam’s Club business card that offers no cash back — you might be approved for that card instead of the MasterCard if your credit history is not good enough.)
  • Southwest Rapid Rewards Premier Business Credit Card – Earn 2 Rapid Rewards points per dollar on Southwest flights as well as with partner travel companies, and earn 1 point per dollar on all other purchases. Annual fee of $99.

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Bass Pro Shops Credit Card Payment, Login, and Customer Service Information

The Bass Pro credit card is issued by Capital One and it is Capital One you will interact with in order to pay your card bill online, by mail, or by phone, or to get customer service help. All of the information you need to complete any of these tasks is below:

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Review: LensCrafters Credit Card

lenscrafters-logoLensCrafters offers a credit card that allows you to defer payments for 6 or 12 months on your purchases. But watch the fine print! Our complete overview / review of the Lenscrafters credit card is below:

The first thing to know about the LensCrafters credit card is that it can only be used at LensCrafters, nowhere else. This is a strike against it; opening up a new credit line for a single retailer you don’t visit often can hurt your credit score, especially if your past credit history isn’t so good.
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