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

toys-r-us-credit-card225The 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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Review: World Market Credit Card

Furniture and home decor retailer World Market (aka, Cost Plus World Market) in partnership with Comenity Capital Bank that allows you to earn rewards with every purchase. Is the card good enough to add to your wallet? Our overview/review is below:

The first thing to know about the World Market credit card is that it is a MasterCard. This is good, because it tells you that you can use this card not only at World Market, but also anywhere else that MasterCard is accepted (which is almost everywhere). Many other retailer credit cards are accepted only at those retail chains, limiting their usefulness. In addition, every time you open a new credit card, it causes a temporary hit to your credit score, so it is better to open credit accounts that can be used widely, such as the World Market MasterCard.
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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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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, .

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Review: Blue Cash Everyday from American Express

is a cash back credit card that offers different levels of cash rebates depending on the type of purchases you make with the card. Is it the best credit card for you? How does it stack up against the competition? Our review is below:

The first thing we obviously want to look at with the Blue Cash Everyday card is the cash back formula. With this card, you’ll get:

  • 3% cash back at U.S. supermarkets, on up to $6000 worth of purchases per year. (If you spend more than $6000 at supermarkets in a year, you’ll get 1% cash back on the purchases beyond $6K.)
  • 2% cash back at U.S. gas stations and at many U.S. department stores (including , but not stores like Walmart or Target)
  • 1% cash back on all other purchases

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Rewards Credit Cards

Rewards credit cards are any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we offer a list of rewards cards that offer a variety of options, from cash back to travel to points programs, and offer credit to customers from fair credit to excellent credit:

  • – 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. ++
  • – Receive 1% cash back on eligible purchases and double cash back at the Superstore. Terms apply. $0 Fraud Liability protects you from unauthorized charges. Email or text alerts to remind you when your payment is due. ++

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