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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Walmart Credit Card Payment, Login, and Customer Service Information

Walmart credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony you will interact with when it comes to paying your bill online or by mail, or to get customer service assistance.

Below is all the information you need to complete any of these tasks:

  • To access your account and make a Walmart credit card payment online, you can log in here.

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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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Men’s Wearhouse Credit Card Payment, Login, and Customer Service Information

mens-wearhouse-credit-cardThe Men’s Wearhouse credit card is issued in partnership with Synchrony Bank, and it is Synchrony you will deal with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find all of the information you need yo 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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List of 100+ Comenity Bank Credit Cards

victorias_secret_credit_card2Comenity Bank is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include this list:

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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: Metrostyle Credit Card

metrostyle-logoWomen’s discount clothing retailer Metrostyle offers a credit card in partnership with Comenity Bank that allows you to earn reward points toward future Metrostyle purchases. Our overview / review of the card is below:

The first thing to know about the Metrostyle credit card is that it can only be used at Metrostyle and its sister store Chadwicks — it is not accepted anywhere else. This limited acceptance is a strike against it in our view: do you really want to open a new credit line for a card with such limited acceptance? Opening too many of these types of credit cards can hurt your credit score, especially if your credit history is shaky.
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Best Cash Bonus Credit Cards

If you are looking to score an upfront cash bonus on your new credit card, this list ranks the best cash bonuses available today. (If the card has an annual fee in the first year, we’ve subtracted the amount of the annual fee from the cash bonus when ranking the card.)

Note that bonuses may change at any time; we can not guarantee you will see the same bonus described on this page.

  • Chase Sapphire Preferred – You can earn a 60,000-point bonus that is worth $600 cash, but you’ll have to spend $4000 in the first three months of having the card. The card also has a $95 annual fee to consider. You’ll earn 2 points per dollar on dining and travel on an everyday basis, 1 point on everything else.
  • Citi Premier Card – You can earn a 60,000-point bonus that can be redeemed for $600 in cash, but you’ll have to spend $4000 in the first three months of having the card. This card also has a $95 annual fee. Daily points earning on this card includes 3 points per dollar on travel and most gas purchases.
  • Bank of America Premium Rewards Visa – Offers a 50,000-point bonus (worth $500 if redeemed for cash) if you spend $3000 in the first 3 months after opening the card. The card does have a $95 annual fee. Also offers everyday rewards of 2 points per dollar on dining and travel, 1.5 points per dollar on everything else. A $100 travel credit for airline incidentals (baggage fees, in-flight charges, etc.) could make this card more than worth its cost.

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Best Business Credit Cards

Below you’ll find our picks for the best business credit cards, specifically small business credit cards. There are two types of business credit card: corporate credit cards for large businesses and small business credit cards for businesses that can vary in size from 100 employees to a sole proprietor working from home.

Let’s get to our small business rankings…

SMALL BUSINESS CREDIT CARDS:

Chase Ink Business Preferred – Our favorite small business card comes with a $95 annual fee but plenty of perks, especially for businesses that will use this card often. First, you’re going to earn 80,000 points as a one-time bonus if you spend at least $5000 with this card in the first three months after opening the card account. That’s worth at least $800 if you exchange it for cash, but it also could be worth $1000 if you use it toward travel within the Chase Ultimate Rewards travel portal. (Chase gives your points a 25% boost when you use your points earned with this card in their travel portal.)

The everyday rewards are good here, too: 3 points per dollar on the first $150,000 spent yearly in combined purchases of travel, shipping, Internet service, cable service, phone service, and on advertising purchases made with social media sites and search engines. (You’ll get 1 point per dollar on everything else you buy with this card.)

In our book, Chase also has the best travel transfer partners, which also enhances this card’s value. You can transfer the points you earn on this card on a 1-to-1 basis with airline and hotel programs including United, Southwest, Marriott, Hyatt and more.

The card also has no foreign transaction fees on purchases made with the card outside of the United States. (Many cards charge 3% on foreign transactions.)
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