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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Tractor Supply Credit Card Login, Payment, and Customer Service Information

tractor-supply-credit-cardThe Tractor Supply credit card is issued in partnership with Citibank, and it is Citi you will deal with when it comes to making a payment online or by mail, or to get customer service help. You’ll find information on completing any of these tasks below:

  • If you’d like to pay your Tractor Supply Co. credit card bill online, log in to your account and make a payment.

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Lowest Interest Credit Cards

Below we list the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate for excellent credit customers, but approve you at a higher rate if your credit isn’t perfect. Below we’ve noted the lowest rate each card offers AND any higher potential rate, if applicable. Also, we’ve only listed cards that have no annual fee.

  • Signature Federal Credit Union Visa Signature – The lowest rate credit card we could find, with an APR of only 8.7%. But that’s not all! You’ll also earn 2% cash back on all the purchases you make with this card. requires joining the credit union, but anyone can be made eligible cheaply and easily.
  • first-citizens-ccFirst Citizens Bank Smart Option Visa – Regional bank offers a credit card with an interest rate as low as 10.24% BUT your rate could also be as high as 21.24%.
  • Simmons Bank Visa Platinum  – Has a low 10.5% variable standard purchase APR, the lowest standard interest rate on any card that we know of (meaning a card that does not offer different interest rates based on a customer’s credit history). No annual fee. No rewards, either, however. Good credit history required.
  • PNC Bank Core Visa – Offers an interest rate as low as 12.24% but it could also be as high as 22.24%. 0% introductory interest rate on your purchases for the first 15 months you have this card.

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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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Discount Tire Credit Card Payment, Login, and Customer Service Information

The Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail 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 information. Below you’ll find all of the information you need to complete any of these tasks:

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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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Review: BBVA Compass Credit Cards

BBVA Compass offers 4 credit cards, all of which are interesting but none of which are particularly exciting when compared to other cards on the market. Our overview / review of each card is below, including thoughts on other cards to which you might compare these:

  • The BBVA Compass ClearPoints Credit Card is a cash back / points card with a “Build Your Own Rewards” formula that gives you 3 points per dollar in one spending category, 2 points per dollar in another category, and 1 point per dollar everywhere else. (You choose the 3X and 2X categories from a list of 10 possible spending categories.) Also offers a 0% interest rate on both purchases and balance transfers for the first 13 months you have the card (though there is a fee for balance transfers of 4% of the amount transferred). Not a bad card, but you are likely to find better options on our Cash Back Credit Cards page.

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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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Stein Mart Credit Card Payment, Login, and Customer Service Information

stein-mart-credit-cardStein Mart’s credit card is offered in partnership with Synchrony Bank (formerly GE Capital Retail 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. Information on completing any of these tasks is below:

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Best Travel Credit Cards

Earning free travel is incredibly attractive to most people, and many credit cards exist to help you kickstart your vacation funds.

However, choosing the best travel credit card is difficult, because everyone has different needs. For example, if you’re already earning airline miles from a particular airline, it makes sense to get a frequent flyer credit card from that same airline. Same with hotel credit cards. Piggyback on what you’re already earning based on your travels.

However, if you aren’t already earning miles or hotel points from business travel, it can be more difficult to decide on a travel card. In fact, it’s quite possible you’d be better off simply choosing a cash back credit card, especially if you do not use your credit card very often.

That said, below we list a variety of travel credit cards that you might choose, broken down into categories, beginning with general travel reward cards for those who don’t want to be tied to a particular airline, hotel chain, or cruise line.
 

General Travel Credit Cards:

  • Chase Sapphire Preferred Card – Perhaps our favorite overall travel card, thanks in particular to the attractive travel partners that Chase has hooked up with. The points you earn with this card can be transferred on a 1-to-1 basis into frequent flyer and loyalty programs including United MileagePlus, Southwest Rapid Rewards, JetBlue, Marriott, Hyatt, and more. Earn 2 points per dollar on travel and dining purchases, 1 point everywhere else, plus 50,000 bonus points (worth $625 in travel when redeemed via Chase Ultimate Rewards) if you spend over $4000 in the first 3 months of having the card. Use points to pay or offset travel costs — at 1.25 cents per point when redeemed via Chase Ultimate Rewards. No annual fee first year, then you’ll pay $95 per year, so choose this only if you intend to use it often.
  • Chase Sapphire Reserve – This one’s got a hefty $450 annual fee, but some enticing rewards to balance it out. First off, you get $300 in travel reimbursements per year, which effectively lowers the card’s annual fee to $150 as long as you do even a moderate amount of travel. In addition, you get 3 points per dollar on travel and dining purchases, and 1 point per dollar on all other purchases. There are other travel perks as well, such as airport lounge access. Also offers a 50,000-point bonus (worth $750 in travel when redeemed via Chase Ultimate rewards) if you make at least $4000 in purchases with the card within the first 90 days of having it. Use points to pay or offset travel costs — at 1.5 cents per point when redeemed via Chase Ultimate Rewards.
  • Citi Prestige Credit Card – This travel credit card comes with a big $495 annual fee, but it could be worth it if you can use its main perks. In particular, you can get a 4th night free if you use the card to pay for a hotel stay of at least that length, and you can do it twice per year. Combine that with a $250 annual travel credit, 5 points per dollar on air travel and restaurants (plus 3X on hotels and cruise lines), a 50,000-point bonus offer for new cardholders, plus other perks, and you might find the value far exceeds the cost.
  • Discover It Miles Card – Offers a simple formula: you get 1.5 points per dollar charged to the card, with each point being worth a penny. You then use your points to offset or completely pay for travel purchases via a statement credit. For example, 15,000 points equals $150 in travel expenses. You also have the attractive option to simply take your earnings in cash back and forget about the travel aspect altogether, meaning you essentially get 1.5% cash back on all of your purchases. (For a nice bonus, all your earnings in the first year get doubled when those 12 months are over.) No annual fee.
  • American Express Platinum Card – The high-end luxury travel charge card from American Express has the biggest annual fee of any major travel card at $550. Do the perks justify it? Maybe. You get 5 Membership Rewards points per dollar on airline and hotel purchases (1 point per dollar everywhere else), a $200 airline fee credit each year, $15 in free Uber rides each month ($20 in December), airport lounge access and more. You can also transfer points earned into certain frequent flyer/loyalty programs, most notably Delta Airlines.
  • Bank of America Travel Rewards Visa – Earn 1.5 points per dollar, with each point being worth one cent in travel rewards: 10,000 points = $100 in travel rewards, etc. You can also earn 25,000 bonus points (worth $200.00) if you make at least $1000 in card purchases in the first 90 days. No annual fee.
  • Capital One VentureOne Card – No-annual-fee travel card gives you 1.25 “miles” per dollar charged to the card. The miles are essentially points, equal to a penny per point. You use the points to pay for travel costs in part or in full. For example, 20,000 points could be used to pay for $200 in travel expenses. (So, you could really think of this card as being equivalent to a cash back card giving you a 1.25% rebate.) You can also transfer points to certain airline frequent flyer programs, though most of those are international airlines, not U.S. airlines. (See also the Capital One Venture Card that offers 2 “miles” per dollar but has an annual fee of $95 after the first year of carrying it.)
  • The Barclaycard Arrival Plus credit cards offer “miles” equal to a penny per mile in airline/travel benefits. (For example, 10,000 miles equals $100 of travel benefits.) The card has an $89 annual fee (waived for the first year). It offers 2 miles per dollar on all purchases, plus you get a 5% point rebate when you actually redeem your points. (For example, redeem 50,000 points and you’ll get 2500 points put back into your account to get you started toward your next redemption.)
  • Priceline Rewards Visa – Earn 5 points per dollar on Priceline purchases and 1 point per dollar on all other purchases. Redeem points for statement credit to pay for travel purchases made with the card. Points equal pennies; for example, 10,000 points equals $100 in travel purchases.

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