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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?

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Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

Synchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

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Lowest Interest Credit Cards

Updated November 20, 2017 – 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.

  • – Has a low 9.25% variable standard purchase APR. There is no annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++
  • – Low 11.25% variable standard purchase APR. Travel Rewards – cardholders who enroll in the program receive one point per net dollar spent; Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions. Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants. No annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++

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

Updated November 20, 2017 – 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, .

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Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

victorias_secret_credit_card2Updated November 17, 2017 – Comenity Bank (formerly World Financial Network National Bank, or WFNNB) 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:

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

discount-tire-credit-cardUpdated November 17, 2017 – 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:

  • If you’d like to pay your Discount Tire credit card bill online, to make a payment.

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Best Credit Cards for a 600 Credit Score

You probably already know this, but a 600 credit score is considered “fair” at best; many card issuers would actually put it in the bad credit category. So, your credit card options are limited. Still, there are cards that may approve you. Here are some to investigate:

– Pre-qualify for a card today and it will not impact your credit score. All credit histories considered. Mobile account access at any time. Fraud protection for stolen or lost cards. Account history is reported to the three major credit bureaus in the U.S. ++

– See if you Pre-Qualify without harming your credit score. 1% cash back on eligible purchases, terms apply. No deposit requirements and opportunities to build your credit. ++
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Instant Approval Credit Cards

yesterday225Updated November 16, 2017 – Instant 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.)

Apply and Use Your Card Today

If your idea of instant approval means you get to start making purchases the same day you apply, your best option is store-branded and catalog credit cards. Many retail stores are so eager to sign you up they will get you approved while you are standing at the checkout counter (or sitting at your computer).

For example:

– Internet/catalog retailer offers instant credit approval and shopping on the same day for most customers. Has a long history of working with people who’ve had “credit challenges in the past.” You can finance items today from its extensive catalog of clothing, electronics, home furnishings, more.
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Toys R Us Credit Card Payment, Login, and Customer Service Information

toys-r-us-credit-card225Updated November 16, 2017 – The Toys R Us / Babies R Us credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail 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:

  • If you want to pay your Toys R Us / Babies R Us credit card bill online, .

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